The savings, line by line

The headline savings number is built, not asserted. Here is exactly how a representative family reaches roughly $2,004 a year.

How it works

Start with ~$4,800/year in wellness and in-home care spending ($400/month). Route it through an HSA with an LMN: at a ~30% effective rate, that’s about +$1,440 in tax savings. Where care is monitored by a billing provider, CMS reimbursement can add roughly +$792. Subtract the ComfortCard membership (−$228/year). Net: about $2,004 back — roughly $167 a month — on spending the family was already doing.

In practice: Honest framing: these figures depend on your tax bracket, your actual spending, and what your plan and provider approve. The calculator lets you put in your own numbers rather than trust ours.

This page is education, not tax, legal, or medical advice. Whether a specific expense qualifies depends on your situation, your plan, and a clinician’s determination — and the rules change. Talk to a tax advisor and your benefits administrator about your own case.