Medicare covers hospitals and short-term skilled care, not the everyday help at home that keeps people out of facilities. careho.me is being built to close that gap — launching 2027, subject to regulatory approval.
The check works today: tick the help someone needs at home and see what Medicare does not pay for, what to ask about, and the calls to make. It runs on your device; nothing is sent.
Assisted living costs families a great deal every year (Genworth/CareScout Cost of Care Survey). For many families, much of that help could happen at home instead — with the right support structure.
Medicare pays for hospital stays and short-term skilled nursing. It does not pay for the companion care, fall prevention, and daily support that let people stay home for years longer.
careho.me is designed to cover exactly that middle ground. It does not exist yet — we are building the care model first, then building the insurance product around the outcomes data it produces.
What Original Medicare and long-term care insurance usually leave unpaid.
| Service | Medicare | LTC insurance |
|---|---|---|
| Companion care (non-medical) | Not covered | Rarely covered |
| Grab bars, ramps, home mods | Not covered | Not covered |
| Respite care for family caregivers | Hospice only | Limited, short-term |
| Medication management at home | Pharmacy, not help taking it | Not covered |
| Hospital-to-home transition (90 days) | 20 days skilled nursing only | Not covered |
Sources: CMS Medicare coverage guidelines; AARP Public Policy Institute.
Benefits built around home care realities — not facility reimbursement models.
Pays for companion care, personal care aides, and skilled nursing at home — the services Medicare does not cover.
Covers smart home safety installations, grab bars, ramp installation, and environmental modifications before a fall happens.
Access to a worker-owned caregiver network. Coverage follows the care, not the setting.
Remote monitoring equipment, medication management, and care coordination for chronic conditions managed at home.
Paid relief for family caregivers. Up to 30 days per year. Burnout is the number one reason people leave home care.
Hospital-to-home transition support. Covers the 90 days after discharge when readmission risk is highest.
co-op.care is building a worker-owned care cooperative, starting in Boulder, CO, with caregivers as owners. The outcomes it produces are the data an insurer would need to underwrite a product.
We are a care company, not an insurer. We will license our care model and outcomes data to a carrier partner. careho.me will be the product experience — the underwriting will be institutional and fully licensed.
State-by-state regulatory approval, starting in Colorado. Waitlist members hear first and can give input on benefit design before we file. Rates are set by the licensed carrier and approved by state regulators, so no price can be quoted or held until then.
careho.me is not available yet. The stay-home check and these sister sites work today.
Start a care co-op in your neighborhood, and check the public dollars many families qualify for but never claim. Boulder, Colorado first.
Write down who would speak for you and what you would want, one card at a time. Saved only on your device.
The care plan, the directive and the emergency card, in one place your family can reach.
If someone is hurt, has fallen and cannot get up, or is in danger, call 911. If you or the person you care for is in emotional crisis, call or text 988.
We are not selling anything yet. Waitlist members hear first when we launch and can give input on benefit design. We cannot quote or hold a price before a carrier files rates with the state.
No spam. No sales calls. We will email you when we are ready to launch. We store your email address only to send that one update; you can ask us to delete it at any time. See the co-op.care privacy notice.
Regulatory disclaimer: careho.me is a pre-launch insurance product concept under development. No insurance products are currently available for purchase or enrollment. All described benefits are subject to state regulatory approval prior to offering. Insurance products are regulated by state insurance departments and must be approved before sale. Joining this waitlist does not create a contract, coverage, or any insurance obligation. co-op.care is not a licensed insurance company. Any future insurance product will be underwritten by a licensed insurance carrier. The 2027 launch timeline is an estimate and is contingent on successful regulatory filings and carrier partnerships.