How the whole thing works.
co-op.care makes a few specific claims — about taxes, clinicians, and ownership — and each rests on a real mechanism. Pick any topic; each opens its own page with the definition, how it works, a real example, and the source.
How a match happens
Skill or need in → a real W-2 neighbor matched out, and the same face keeps showing up.
ReadThe Letter of Medical Necessity
The physician-signed document (IRS §213(d)) that turns ordinary care into pre-tax-eligible care.
ReadHSA & FSA, in plain terms
Pre-tax accounts that effectively discount qualifying care by your tax rate (~22–30%).
ReadComfortCard
$19/mo membership and digital rail that carries your eligibility into your phone's wallet.
ReadWhy a cooperative, and why it matters
A Colorado LCA where workers hold equity — the legal form that can't be acquired or pivoted.
ReadA clinician on the line
Why a named, licensed physician signs every clinical output — a license on the line, not a disclaimer.
ReadThe savings, line by line
How the ~$2,004/yr figure is built: spend → tax savings → CMS → minus membership.
ReadMember vs. investor
Member = early customer price (no equity). Investor = equity. Same word, different paperwork.
ReadRemote Therapeutic Monitoring (RTM)
Medicare codes (98975–98981) that pay a provider ~$115/cycle to monitor recovery between visits.
ReadHome observations, made clinical-grade
How kitchen-table observations become FHIR-standard records via the Omaha System.
ReadReady to see your numbers?
A five-minute assessment builds your family's plan — what qualifies, what saves, and what to do first.