Savings calculator

What does co-op.care actually cost?

Between HSA/FSA eligibility from a physician Letter of Medical Necessity and CMS code stacking, most families come out ahead. Adjust the sliders and see real numbers for your situation.

$199 One-time LMN fee
$936–$1,440 Typical annual HSA/FSA savings
7x Average LMN return in year one
Interactive calculator

Your savings estimate

Move the sliders, select your tax bracket, and check the CMS codes your physician activates. Numbers update instantly.

Monthly wellness spending $400
Companion care, nutrition counseling, home modifications, fitness, massage, supplements
Marginal tax bracket
Federal + state combined. Most dual-income families land at 24–35%.
CMS billing codes active
Billed by your physician. Your family receives the care; Medicare reimburses the practice directly.
Annual wellness spending $4,800
Tax savings via LMN (HSA/FSA) +$1,440
CMS reimbursement (physician-billed) +$792
co-op.care membership ($19/mo) -$228
Net annual savings
$2,004
$167/month back in your pocket
At full CMS code stacking, co-op.care pays you. The reimbursement and tax savings exceed every dollar you spend, including the membership. Your effective monthly cost of care goes negative.
Start your free care assessment →
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Before and after

The same wellness spending. A different outcome.

Without co-op.care

Wellness spending: $4,800/yr (after-tax dollars)
No CMS billing
No physician oversight
No care coordination
Total cost: $4,800/yr

With co-op.care

Same spending: $3,360/yr (pre-tax via LMN)
CMS reimbursement: $792/yr
Physician-supervised care plan
Sage AI + advance directive + caregiver matching
Membership: -$228/yr
Net savings: $2,004/yr
Pays for itself 8.8x over
The LMN is a real clinical document — not a workaround.

Physician-reviewed, IRS 213(d)-grounded, clinically defensible. A board-certified physician who supervises your care plan signs it. The $199 fee is a one-time investment.

$199 One-time LMN fee
$1,440 First-year HSA/FSA savings
7.2x Return on LMN investment
Full CMS code stacking

At the maximum, co-op.care costs you nothing.

$5,544/yr net

When all qualifying CMS codes are active alongside $400/month in wellness spending at a 30% combined tax bracket, net savings exceed $5,500 per year. The effective monthly cost goes negative.

CMS codes
$4,332/yr
Tax savings
$1,440/yr
Membership
-$228/yr
Net
+$5,544/yr

Ready to see your numbers?

The care assessment is the first step. Sage reviews your situation, confirms LMN eligibility, and walks you through which CMS codes apply to your family.

Start your free assessment →
5 minutes · no account required · no cost

Get the full savings analysis.

Between HSA eligibility, lower caregiver turnover, and co-op efficiencies — the numbers compound. We’ll send the breakdown.