How does CareSwaps handle private-pay and commercial insurance versus Medicare or Medicaid?

CareSwaps is a Colorado technology platform that surfaces reciprocal swap and multi-facility swap-chain matching options across senior care communities so families can review operational matches (bed availability, payer acceptance, proximity, and timing) and decide for themselves. Matching services are available only for private-pay and commercially insured residents. Federal payers, including Medicare, Medicare Advantage, Medicaid / Health First Colorado, TRICARE, and VA, are deliberately excluded at launch as a permanent compliance design to remain clear of the federal Anti-Kickback Statute.

This is not a temporary limitation or an apology. It is a structural choice that keeps the platform a pure technology service rather than a referral or placement arrangement. Families whose loved ones are covered by federal payers are not eligible for matching at this time.

The software still surfaces operational matches solely on bed availability, proximity, timing, and commercial or private-pay acceptance. Communities make every clinical decision. Families retain cancel-anytime control over the monthly subscription.