From “I don’t know where to start” to people who show up.
- Say what is going onOpen now
A few questions: who you care for, their coverage, the family doctor, what is going on, military service, money, and where they live.
clinicalswipe.com/survey - See what is openOpen now
Your plan starts with public programs they may qualify for, each linked to the official page it comes from, then what the family doctor can do, and says plainly what is not open yet.
- Bring the family doctor a summaryOpen now
One page: what is going on, the questions to ask, and what only a doctor can sign. It is built on your device and never sent.
- A physician signs offPilot · not open to families yet
Anything clinical, like a letter of medical necessity or an order, is drafted by AI and signed or declined by a licensed physician. Each decision is recorded as a receipt on hashcare.com.
- It gets paid for, honestlyNot open yet
HSA or FSA money only where a physician signs off that the expense treats a diagnosed condition. Medicare help through the practice, under the navigation rules below.
- An agent carries the follow-upNot open yet
Scheduling, reminders, forms, and checking what is covered before you pay. Anything clinical goes to the physician first.
- Your neighborhood shows upBoulder first
In a co-op.care village, neighbors give rides, make calls, check in, and fix the railing. Mutual help, logged in hours, not money.
co-op.care/village
Much of the help is already paid for. The hard part is finding it.
The plan checks each of these against your answers, and links the official page for every one.
- The local Area Agency on Aging. Caregiver support and respite where they live. Eldercare Locator, 1-800-677-1116.
- Medicare’s yearly wellness visit. Nothing to pay when the provider accepts assignment, and it includes a check for signs of dementia. Medicare.gov
- Free Medicare counseling. SHIP counselors help with plans, bills and applying for help with costs. shiphelp.org
- Home health and hospice. Nothing to pay for covered home health services, or for hospice care from a Medicare-approved hospice, apart from small copays for drugs and respite. Home health · Hospice
- GUIDE, for dementia. A care navigator, a 24/7 support line, caregiver training and respite, through participating programs. CMS
- Extra Help and Medicare Savings Programs. Lower drug costs, and help with premiums, for people with limited income. Extra Help · Savings Programs
- Colorado FAMLI. Up to 12 weeks of paid leave a year to care for a family member. FAMLI
- Colorado CDASS. For Health First Colorado members who need a nursing-home level of care, the program pays attendants they choose, including family members. HCPF
- VA caregiver support. For eligible veterans’ family caregivers: a stipend, health coverage, training and respite. VA
A clinician signs only where a program requires it. Home health, hospice, FAMLI, CDASS and VA Aid and Attendance each need a clinician’s certification or signature. Everything else starts with a call, a form or a visit, and the plan says which is which.
For AI agents. The same rules answer at POST https://clinicalswipe.com/api/caregiver/plan (plain answers or a FHIR QuestionnaireResponse in; the plan or a FHIR CarePlan out) and GET https://clinicalswipe.com/api/caregiver/questionnaire. No key, and nothing is stored.
The rules that make this more than a waitlist.
Each card is a rule we checked against its source. None of it is advice for your situation.
Medicare already pays for navigation
Since January 2024, Medicare has paid practices for principal illness navigation and community health integration: trained navigators and community health workers who help someone with a serious, lasting illness, or with the social needs that get in the way of care. The practice’s physician does a first visit and supervises. The navigators may work for a community-based organization under contract with the practice. The first visit can be by video from home under Medicare’s telehealth rules, which run through 2027. The usual Part B deductible and coinsurance apply, and the patient agrees in advance.
A care cooperative could be that organization, which is how a neighborhood could be paid for the help it gives. That part is not open yet.
Sources: CMS, CHI and PIN billing FAQ · HHS, telehealth through 2027
Primary care an HSA can pay for
Since January 2026 an HSA can pay a direct primary care membership. A membership of $150 a month or less ($300 for a family) does not stop you from putting money into an HSA, as long as the fee is the only charge and it covers primary care. This is for people who are not on Medicare.
Source: IRS Notice 2026-05
Why not a membership for Medicare patients
A physician who charges Medicare patients a membership for Medicare-covered care has to opt out of Medicare for two years, for all of their Medicare patients. That would also shut off the Medicare navigation above, so we will not do it.
Source: CMS, opting out of Medicare
Dementia: ask about GUIDE
CMS’s GUIDE model pays participating dementia care programs for care navigation, a 24/7 support line, caregiver training, and up to $2,500 a year of respite. Participants may not charge families for GUIDE services. If the person you care for has dementia, ask their doctor whether a GUIDE program serves your area.
Source: CMS, the GUIDE model
Home readings are changing
CMS has proposed that from 2027, remote monitoring be paid only when the practice’s own employees do the work. It is a proposal, not a final rule. So watched readings, when they open, will run through the family doctor’s own practice.
One program, a few doors.
Your plan sends you to whichever of these fits. They are related sites, built by the same founder.
- Is the care covered?comfortcard.org/coveredA two-minute check that gives an honest no.
- Home or a facility?co-op.care/care-costThe honest cost math.
- Help you should already haveco-op.care/resourcesCaregiver resources, handed to you.
- What they would wantcaregoals.comPut what matters into words. Free, with no account.
- A fall you can see comingfallrisks.comA three-minute screener for families.
- Before a knee or hip surgeryjointclass.comFree education on before and after.
- Neighborsco-op.care/villageThe local circle that grows old together.
- Proofhashcare.comWhere each physician decision is fingerprinted.
Built so the family doctor stays in charge.
The summary a caregiver brings is written for you: what is going on, what they want to ask, and what only you can sign. When letters open, they come as AI drafts you sign or decline, one expense and one diagnosed condition at a time, never as a blanket pass. And your practice can already bill navigation under Medicare’s navigation codes, with community health workers under contract.
Start with a few questions.
You will leave with a plan and a summary for the doctor. Nothing you answer is sent unless you ask to join a list, and then only your email, your state, and the lists you pick.
Start →