Family document vault — free to start
Most families don't know which documents are missing until the moment they need them. Advance directives. LMNs that unlock HSA/FSA dollars. Power of attorney. Insurance policies. PolicyApp finds the gaps and fills them — physician-signed in 48 hours where required.
See what your family is missing — freePolicyApp is the document layer. co-op.care delivers the care.
The Problem
Filing cabinets
Advance directives buried in a drawer no one can find in an emergency.
Phone photos
Insurance cards photographed at odd angles, lost in the camera roll.
Email threads
Letters of medical necessity buried hundreds of messages deep.
When you need them — in an ER, during a transition, after a diagnosis — you cannot find them.
The gaps — with real numbers
These aren't hypothetical risks. Each one has a cost and a mitigation. The document you prepare today is the one you can actually use in the moment you need it.
Custodial home care — $0 from Medicare
Original Medicare does not cover help with bathing, dressing, meal preparation, or daily living activities. This is the single largest unmet need for older adults. Average home health aide in 2026: $32–38/hr. Annual cost if needed daily: $60,000–$80,000.
LMN-backed companion care through a physician-supervised cooperative can qualify as §213(d) medical care when documented correctly. Prepare the documentation before the need arrives.
FSA forfeiture — $4.5B lost annually
In 2023, 47% of FSA holders forfeited money — average forfeiture of $422 per account. The use-it-or-lose-it rule applies to most Health FSAs. Employers keep the unused funds. The $660 rollover limit (2025) captures only part of typical year-end balances.
Know your run-rate before December. Fund only what you'll spend plus your one-year projection of unexpected care. A physician LMN can expand what qualifies — home modifications, companion care, equipment — giving you more ways to use the balance.
Dental — completely excluded from Original Medicare
Medicare does not cover routine cleanings, fillings, dentures, or extractions. A single crown in 2026 costs $1,500 on average. Full dentures can exceed $5,000. 20% of adults over 65 have lost all their teeth — largely because care went unaffordable.
Track your current dental plan's renewal date and coverage cap in PolicyApp. Most Medicare Advantage plans include some dental — but the coverage limit (often $1,000–$2,000/yr) is frequently exhausted before major work. Document it so you plan around it.
Hearing aids — $4,000–$6,000 out of pocket
Medicare doesn't cover hearing aids or routine hearing exams. Prescription-grade devices for moderate-to-severe loss cost $4,000–$6,000 per pair in 2026. Untreated hearing loss is linked to accelerated cognitive decline — the cost of not acting is higher than the device cost.
Some Medicare Advantage plans now include hearing aid allowances ($500–$2,000/yr). Know your plan's benefit. A physician LMN may help establish medical necessity for HSA/FSA use where plan language allows.
Advance directive — only 36% of adults have one
Without a valid advance directive, medical decisions default to whoever is present — or to state law. The healthcare proxy you intended may be ignored. A directive created in one state may not be honored in another without specific language. And if it's on paper in a drawer, it doesn't exist in an emergency.
A digitally-stored, RON-notarized advance directive, accessible via QR code in 5 seconds, resolves all three failure modes. PolicyApp stores it. ComfortCard surfaces it to any provider.
International travel — zero Medicare coverage abroad
Original Medicare does not cover care outside the United States (with narrow exceptions near the border). Emergency care during international travel is fully out-of-pocket. A medical evacuation from Europe or Asia can cost $50,000–$200,000.
Maintain a current travel insurance policy for international travel. Store the policy number, 24hr emergency line, and evacuation company contact in PolicyApp — accessible anywhere, offline, from any device.
Skilled nursing — covered only 20 days in full
Medicare covers skilled nursing fully for days 1–20 after a qualifying hospital stay. Days 21–100 require a $209.50/day copay (2026). Day 101+: zero coverage. Families often assume Medicare covers nursing home stays — it covers rehabilitation, briefly, not custodial residence.
If long-term care insurance is in place, store the policy and the insurer's claims contact in PolicyApp with the renewal date. If not, document the gap explicitly — it changes the care-planning conversation now, before a hospitalization forces it.
Power of attorney — lapses at incapacity without the right document
A standard POA becomes invalid exactly when you need it most — when the principal loses capacity. A Durable Power of Attorney survives incapacity; a standard one doesn't. Many families discover this distinction in the ER. A financial POA and healthcare POA are separate documents.
Confirm your POA is Durable (for finances) and that you have a separate Healthcare Power of Attorney or Patient Advocate Designation. Store both in PolicyApp with the date, attorney contact, and a copy of the signed document.
Cost figures reflect publicly reported 2025–2026 data. Medicare coverage descriptions reflect Original Medicare (Parts A & B). Medicare Advantage plans vary. Not insurance advice — confirm your specific plan with your plan administrator or benefits coordinator.
Your Vault
Upload, create, and share the documents your family depends on.
Advance Directives
Legally binding, RON-notarized
Letters of Medical Necessity
HSA/FSA eligibility — physician-signed in 48 hours
Insurance Policies
Auto-renewal tracking — never let coverage lapse
Care Agreements
Caregiver contracts that protect both sides
Power of Attorney
Healthcare and financial — digitally stored
HIPAA Authorizations
Control exactly who sees what, and revoke anytime
Coverage Gap Finder
Pick your plan type. See the care it typically doesn’t cover — and which lever (HSA/FSA dollars, or a physician’s Letter of Medical Necessity) closes the gap.
High-deductible health plan — usually paired with an HSA.
4 of 4 gaps below can be cushioned with HSA/FSA dollars or unlocked pre-tax with a physician LMN.
Everything up to the deductible
You pay full freight on most care until the deductible is met — exactly what the HSA is built to fund, pre-tax.
HSA / FSA dollarsIn-home companion / non-medical care
Almost never a covered medical benefit. A physician LMN can make it HSA-eligible under §213(d).
Physician LMN unlocks pre-taxDental & vision
Typically excluded from the medical plan. HSA/FSA dollars apply to qualifying expenses.
HSA / FSA dollarsTherapeutic extras (massage, CGM, certain supplements)
Not covered without documentation. An LMN converts qualifying items to pre-tax.
Physician LMN unlocks pre-taxGeneral education, not a determination about your specific plan or situation. Coverage varies by plan and carrier; HSA/FSA eligibility is plan- and case-specific and is decided by your plan administrator. A Letter of Medical Necessity is issued by a licensed physician only when clinically appropriate. Not tax or insurance advice.
How It Works
Drag in existing documents or let the AI help you create them. Advance directive, LMN, POA — all in minutes.
The policy agent tracks renewal dates, flags expiring coverage, and alerts you when documents need updating.
Send to your physician, your caregiver, or your family. Any document, any device, instantly.
The Policy Agent
Tracks insurance renewals before they lapse. Never miss a deadline.
Surfaces eligibility you're missing — a physician LMN from co-op.care can unlock hundreds per month.
New diagnosis, new home, new caregiver — the agent flags which documents need updating.
Security
The Fund Layer
PolicyApp is the "Fund" step in a five-part care network: Assess, Define, Fund, Deliver, Live well. Once your documents are in order — especially physician-signed LMNs that unlock HSA/FSA dollars — co-op.care provides the worker-owned companion care to use them.
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Add the SolvingHealth connector to Claude for instant access to document management, policy tracking, and care planning tools.
Claude Desktop MCP Config
"policyapp": {
"command": "npx",
"args": ["-y", "@anthropic-ai/mcp-remote",
"https://solvinghealth.com/mcp"]
}Don't have Claude? Get it free at claude.ai.
PolicyApp stores and organizes personal documents. It does not provide medical or legal advice. Letters of medical necessity are generated with physician oversight and do not constitute a diagnosis or treatment recommendation. HSA/FSA eligibility depends on your specific plan — consult your plan administrator.