Interactive Savings Calculator
See What co-op.care
Saves Your Family
HSA/FSA tax savings through a physician-reviewed Letter of Medical Necessity, plus CMS reimbursement for qualifying care codes. Adjust the sliders. See real numbers.
Your Savings Estimate
Move the sliders and check the boxes to see your personalized savings.
Annual wellness spending
$4,800
Tax savings via LMN (HSA/FSA)
+$1,440
CMS reimbursement (physician-billed)
+$792
co-op.care membership ($59/mo)
-$708
Net Annual Savings
$1,524
$127/month back in your pocket
The Same Spending. 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
Reed AI + ComfortCard + caregiver matching
Membership: -$708/yr
Net savings: $1,524/yr
Pays for itself 2.2x over
2x the leading HSA wellness card
Physician-reviewed. Clinically defensible. Not a workaround -- a real Letter of Medical Necessity from a board-certified physician who supervises your care plan.
$199
One-time LMN fee
$1,440
Annual HSA/FSA tax savings
7.2x
Return on LMN investment
At Full CMS Code Stacking
$5,064/yr
When all qualifying CMS codes are active alongside $400/month in wellness spending at the 30% bracket, your net savings exceed $5,000 per year. The effective monthly cost of care goes negative.
CMS codes
$4,332/yr
Tax savings
$1,440/yr
Membership
-$708/yr
Net
+$5,064/yr
Get Your Personalized Savings Estimate
We will walk you through the numbers for your specific situation -- including which CMS codes your family qualifies for and your LMN eligibility.
Get Your Savings Estimate