Every life deserves more than a dash between two dates

Record mom's stories.
The advance directive
writes itself.

"We spent an afternoon recording Mom's stories. She told us things we'd never heard." CareGoals captures stories, preserves legacies, and generates advance directives as a natural byproduct — not through forms, but through conversation. Share Legacy Cards on social media.

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Family legacy — grandmother and grandchild

The Pillars of Comfort Care

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Documented Wishes

Advance directives emerge naturally from your stories — not through cold forms. CareGoals captures your values first, then generates the legal documents that reflect who you truly are.

ACP billing: 99497 / 99498 east
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Share Legacy Cards

Every story can become a Legacy Card — a shareable moment on social media. A recipe, a lesson, a memory captured in conversation. "We spent an afternoon recording Mom's stories. She told us things we'd never heard." AI transcribes, organizes, and makes it beautiful.

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The Century Plan

$1,000 for 100 years of preserved legacy. Gift a lifetime of stories that keeps growing as your family does.

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The Family Circle

Invite your inner circle to collaborate. Share stories, assign guardians, and build a collective legacy together. When someone can't speak for themselves, the circle speaks with one voice.

The Digital Heirloom

What was your favorite childhood memory?

Open a conversation. Ask the questions only you would think to ask. Every answer is captured, transcribed, and preserved for generations.

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Stories captured
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Legacy forever
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Stories are transcribed and woven into your directive

The Journey

Heritage Progress

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First Story Recorded

Your childhood memory, a life lesson, or a favorite recipe — start anywhere.

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Family Circle Invited

A reminder to your loved ones that these stories are shared, not solo.

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Advance Directive Generated

Your stories naturally produce a care directive — reflecting your real values, not checkbox answers.

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10 Stories Archived

A living library that grows with every conversation. Your family's oral history, preserved.

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Print Your Heirloom Book

A physical, leather-bound volume of your family's stories. Archival quality. A century of legacy.

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"The greatest gift you can give your family is the certainty that they are carrying your story forward, exactly as you intended."
Every life deserves more than a dash between two dates.

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223 tools. CareGoals: story capture, advance directives, legacy AI.

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You are a compassionate legacy capture guide for CareGoals. Help families preserve stories, values, and wishes through voice-first conversations. CareGoals captures life stories and generates advance care directives as a natural byproduct — not through forms, but through storytelling. The Century Plan preserves a legacy for 100 years ($1,000). Ask what stories they want to preserve and guide them through the process. Be warm and patient. If they mention end-of-life planning, explain that directives emerge naturally from stories. Billing: ACP (99497/99498).

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Every life deserves more than a dash between two dates.

Record your first story. Share a Legacy Card. Connect to co-op.care for full family care at $59/mo — the membership that pays for itself.

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Reviewed by a physician

Content reviewed by Josh Emdur, DO — Board-Certified Hospitalist, 50-state licensed. Last reviewed April 2026. Sources: Institute for Healthcare Improvement, The Conversation Project, CDC NCHS 2022, JAGS, CMS Physician Fee Schedule 2024.

Understanding Advance Directives & Life Story Planning

Why Conversation Beats Forms

Research consistently shows that standard advance directive forms are rarely completed — and when they are, they often fail to capture what matters most. A 2022 study in JAMA Network Open found that over half of adults over 65 had never discussed their end-of-life preferences with a physician, despite saying they wanted to. The barrier is not unwillingness — it is the clinical detachment of a form with checkboxes for "intubation: yes/no."

CareGoals uses conversation instead. Sage asks questions like "What would a good day look like for you?" and "What are you most afraid of happening medically?" The answers reveal values — and values are what guide good medical decision-making when a checklist cannot. The advance directive emerges as a natural byproduct. The life story is preserved alongside it, for the family as much as for the medical team.

The Three Documents That Protect Your Wishes

Complete protection requires three documents working together. A living will states which treatments you want or do not want — but it cannot anticipate every clinical scenario. A healthcare proxy (durable power of attorney for healthcare) designates a person to make real-time decisions in the gaps. A POLST (Physician Orders for Life-Sustaining Treatment) converts your preferences into immediately actionable medical orders, signed by a physician, that travel with you across all care settings.

Most adults have none of these. CareGoals helps you build all three through a single guided conversation. The physician co-founder of co-op.care reviews each document before it is finalized, and remote online notarization is available in 35–40 states through the platform.

Legacy Cards: The Gift That Outlasts the Directive

An advance directive protects medical decisions. A Legacy Card preserves the person behind them. Legacy Cards are shareable summaries of a person's life story, values, meaningful memories, and the things that made them who they are — generated from the CareGoals conversation. They can be shared on social media, printed for a family gathering, or embedded in the ComfortCard digital health wallet.

Families who have used Legacy Cards report that the process of creating them — sitting together, asking questions, recording answers — is often more valuable than the card itself. "She told us things we'd never heard." That afternoon becomes an irreplaceable family asset. Every life deserves more than a dash between two dates.

When to Start — and What Happens If You Don't

The American Bar Association recommends completing a healthcare proxy designation at age 18 — the moment parents lose automatic legal authority over their children's medical decisions. For most people, the conversation becomes more urgent after a hospitalization, a serious diagnosis, or a significant decline in function. But urgency is the worst time to start.

Without an advance directive, medical decisions default to family consensus — which often means the most aggressive intervention, the longest hospitalization, and the most suffering, because no one wants to be the person who "gave up." Families of patients who had completed advance care planning report significantly less grief, less guilt, and less decisional conflict (JAGS, 2010). The document is a gift to the people left behind. Connect it to CaresCircle family coordination so everyone is on the same page.

HSA/FSA and Medicare Coverage for Advance Care Planning

Medicare covers Advance Care Planning as a separately billable service under CPT 99497 (first 30 minutes, approximately $86) and 99498 (each additional 30 minutes). This can be billed at an Annual Wellness Visit or as a standalone service. The conversation must be face-to-face — or via telehealth — with a qualified clinician. co-op.care's physician partner facilitates Medicare-billable ACP conversations via telehealth as part of the platform.

For non-Medicare patients, advance care planning services may be reimbursable from an HSA or FSA with a physician's Letter of Medical Necessity. The ComfortCard HSA/FSA tracker automatically identifies eligible expenses and calculates annual tax savings.

Frequently Asked Questions

Can I change my advance directive later? add
Yes, at any time while you have decision-making capacity. Notify your healthcare providers in writing, destroy existing copies, and document the change. Provide updated copies to your physician, hospital, and proxy. CareGoals stores version history — updating is as simple as continuing the conversation.
How is an advance directive different from a will? add
A will governs distribution of property after death. An advance directive governs medical decisions during your lifetime when you cannot speak for yourself. They address completely different domains — one is an estate document, the other is a healthcare document. Both are important components of comprehensive life planning.
What is a Legacy Card? add
A shareable summary of a person's life story, values, and meaningful memories — generated from a CareGoals conversation. Legacy Cards can be shared on social media, printed, or stored in the ComfortCard digital wallet. They serve as a living memorial and also inform the advance directive by surfacing the values that underlie medical preferences.
Does CareGoals produce a legally binding advance directive? add
CareGoals generates a properly structured document tailored to your state's requirements. Legal validity requires proper execution: typically two witnesses (not healthcare providers or beneficiaries) or notarization. co-op.care supports remote online notarization in 35–40 states.
Who should I name as my healthcare proxy? add
Someone who will honor your wishes even under emotional pressure — not necessarily the closest family member. They should be geographically accessible, willing to advocate with medical teams, and genuinely familiar with your values. Have an explicit conversation with them before designating them; a proxy who does not know your preferences is limited in their effectiveness.
Is my health information private on CareGoals? add
Yes. CareGoals is HIPAA-compliant with encryption at rest and in transit. You control who can access your advance directive — nothing is shared without your explicit consent. The platform uses Supabase with row-level security on HIPAA-eligible infrastructure.
Can family members access each other's CareGoals? add
Yes, with explicit permission. A designated family coordinator can view and help update a family member's care preferences — useful when an older adult benefits from support. Access is granted by the primary account holder and revocable at any time. CaresCircle integrates with CareGoals for shared family care planning.
Does Medicare cover advance care planning? add
Yes. CPT 99497 (first 30 min, ~$86) and 99498 (additional 30 min). Billable at an Annual Wellness Visit or standalone. co-op.care's physician partner facilitates Medicare-billable ACP conversations via telehealth as part of the membership.
What if my family member has dementia — can they still complete an advance directive? add
Decision-making capacity does not depend on a dementia diagnosis alone — many individuals with early or moderate dementia retain capacity to express preferences. A physician can assess capacity at time of signing. Acting early, before significant cognitive decline, provides the greatest protection.
How does CareGoals connect to co-op.care? add
CareGoals is the life story and directive layer of co-op.care. Your completed directive is stored in the ComfortCard digital wallet, accessible to first responders. The co-op.care $59/month membership includes CareGoals, ComfortCard, and access to physician-reviewed LMNs for HSA/FSA reimbursement.

Connected to the full care ecosystem

CareGoals works best alongside ongoing care coordination, digital health identity, and physician oversight.

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This platform provides health information and tools, not medical advice. Always consult a qualified healthcare provider for diagnosis and treatment.

CareGoals provides advance care planning tools, not medical or legal advice. Consult your healthcare provider and attorney for clinical and legal decisions.

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