Coverage insurance ignores

Wellness coverage for the care insurance ignores.

Coverage for the care that keeps you healthy, not just the care you need when something goes wrong. Get reimbursed for peptides, advanced labs, supplements, fitness, holistic doctors and more, plus emergency protection for real peace of mind.

$600-$2,000/mo benefits Insurance maximization Emergency protection 48-hour reimbursement
Get covered → Ask Gabriel
Wellness balance

$600-$1,000/mo

Fresh monthly balance for eligible modern care.

Care team

One thread

Ask, book, order, reimburse, and track in chat.

Serious-event protection

$0-$250 max

Hospital, ER, and surgery protection underneath.

Claims

48 hours

Receipt in. Money back fast.

§ Insurance Maximizer

Maximize your insurance. Cover the gaps.

Gabriel finds what your insurance should pay for and maximizes the value of your plan, so you leave nothing on the table, and then provides coverage for the things that keep you healthy that insurance ignores.

Text Gabriel my plan → Upload plan securely

Text, email, or upload after sign-in. Gabriel creates a safe plan summary before it enters chat.

Gabriel Insurance Maximizer interface decoding an insurance plan, routing coverage, estimating savings, and applying wellness benefits
Plan uploaded

Blue Shield PPO

Deductible, network, pharmacy, and covered preventive benefits parsed into plain English.
Coverage gaps

7 found

Labs, IVs, supplements, and protocols routed through Gabriel wellness benefits when insurance stops.
Gabriel AI

Your plan, decoded.

Plan rules Benefits lookup, medical policy, prior auth, network validation. Best route Insurance first, HSA/FSA second, Gabriel benefits when eligible. Next action Book in-network, upload receipt, or apply wellness coverage.
Gabriel recommendationOptimal route
Use insurance where it should pay.$2,480 found
Apply wellness benefits for the gap.$1,500 eligible
Estimated outcome
$2,480 Potential savings found before you pay cash.
Wellness benefits
$600-$2,000/mo Monthly benefits vary by tier and eligibility.
01 · Upload

Insurance card or PDF

Text, email, or upload after sign-in.
02 · Scan

Benefits found

Preventive, pharmacy, network, and care-routing opportunities.
Insurance maximization

Use the right dollar first.

InsuranceLikely covered
HSA / FSAEligible
Gabriel benefitsGap covered
03 · Save

$4,243

Example annual optimization across claims, Rx, and wellness routing.
04 · Act

Book or reimburse

Gabriel turns the route into a next step, not another portal.
Plan intelligence

Find benefits. Cover gaps.

Gabriel reads your plan, shows what insurance should handle, then applies wellness benefits when modern care falls outside the carrier rules.

Gabriel route Insurance first.

Benefits lookup, medical policy, network validation, and lower-cost routing.

Avoid waste $2,480

Example value recovered before a member pays cash.

Wellness gap $1,500

Eligible Gabriel benefits applied where insurance usually refuses.

Next step One thread

Text the plan, get the route, book care, and reimburse.

§ How Gabriel works

Ask. Book. Get reimbursed.

A simple loop for modern care: tell Gabriel what you need, get routed to the right option, then track payment from the same thread.

Gabriel Care product flow with membership card, private chat, and care dashboard
01 · Ask

Tell Gabriel what you need.

Ask a question, upload your plan, or text a receipt. Gabriel figures out the cleanest next step before you pay cash.

Input Text, card, receipt Output Next best action
02 · Book

Gabriel gets it handled.

Find the provider, order the protocol, coordinate records, and keep the entire care trail in one place.

Network 111K+ practitioners Support Human + AI
03 · Track

Money back, without portals.

Track your balance, submit receipts, and see reimbursement status without claim forms or phone trees.

Turnaround 48 hours Experience One thread
§ What Gabriel covers

The care insurance refuses to touch.

Traditional insurance pays for sickness after the fact. Gabriel pays for what actually keeps you well. These eight category groups highlight the highest-demand benefits first, with 100+ eligible modalities available inside Gabriel. Reimbursement scales with the tier you pick.

Premium still life of practitioner-grade supplements, peptide vials, lab tubes, IV therapy, and Gabriel Care app interface
01

Peptides & longevity

BPC-157, TB-500, GLP-1s, NAD+. Prescribed, dosed, and shipped.

Insurance: No
02

Functional & integrative medicine

Root-cause protocols from practitioners who treat biology, not symptoms.

Insurance: No
03

Psychedelic therapy

Ketamine-assisted therapy nationwide. Psilocybin and MDMA where legal.

Insurance: No
04

Advanced diagnostics

Full-panel bloodwork, hormones, micronutrients, continuous glucose, DNA.

Insurance: Rarely
05

Recovery & protocols

IV therapy, sauna, cold plunge, red-light, hyperbaric. Clinically prescribed, not recreational.

Insurance: No
06

Medical cannabis

Evaluation, prescription, and sourcing. Covers pain, sleep, anxiety, and appetite.

Insurance: No
07

Naturopathy & Eastern medicine

Licensed NDs, acupuncture, herbal protocols, TCM consults.

Insurance: No
08

Mental performance

Therapy, coaching, executive function. No diagnosis required to access care.

Insurance: Partial
8 category groups · 100+ modalities · Included on every tier Reimbursement amount scales with tier →
§ Gabriel vs. traditional insurance

Insurance first.
Gabriel fills the gaps.

Keep real insurance for hospital, ER, and surgery. Use Gabriel to find benefits you may already have, coordinate care, and cover the wellness categories insurance usually leaves out.

Insurance alone Fragmented

Typical plan

$725/mo

You pay the premium first. Then you still have to decode benefits, find in-network options, track claims, and pay cash for modern wellness.

  • $0 monthly wellness balance
  • Unused benefits are easy to miss
  • Claims, portals, deductibles, and surprise bills
  • Peptides, labs, IVs, supplements, and holistic care are usually cash-pay
Insurance + Gabriel Maximized

Gabriel Care

$499/mo all-in

Gabriel helps your insurance work where it should, then gives you monthly wellness dollars for the care it usually ignores.

  • $600-$2,000/month in wellness benefits, depending on tier
  • Plan scan for benefits, savings, and lower-cost routes
  • Text receipts, get reimbursed in 48 hours
  • Serious-event protection for hospital, ER, and surgery
What changes Insurance stops being a black box. Gabriel looks for what your plan may already cover, then routes wellness spend through the cleanest layer.
Plan scan Free Upload your card or benefits PDF before you pay cash.
More care value $7,200/yr Emerald wellness balance for care insurance usually ignores.
Still protected ACA layer Hospital, ER, and surgery protection underneath Gabriel.
See plans → Scan my plan free

Illustrative example for a 35-year-old non-smoker in a major US metro. Actual ACA pricing depends on age, location, income, plan availability, and subsidy eligibility.

§ Membership · three tiers

Pick the tier that matches your medicine.

All three cover what insurance won't. The difference is how much wellness you get back, and how much of your life gets handled for you.

Gabriel Care Emerald member card
FSA/HSA Eligible
Gabriel Care Emerald $499all-in / mo
$249 Emerald + ~$250 ACA Bronze avg
Best forPeople spending $500+/mo out of pocket who want modern care covered without switching into concierge medicine.
  • $600 wellness balance / monthFresh monthly dollars for eligible modern care that traditional plans usually leave as cash-pay.
  • Core categories coveredUse Gabriel for the high-demand wellness care members actually ask for.
  • One app for everythingBook care, order protocols, submit receipts, and track your balance in one thread.
  • 48-hour reimbursementText a receipt. Gabriel verifies and pays you back directly.
Everything included
  • Functional and integrative care from practitioner-led providers.
  • FSA/HSA eligible membership payments and covered wellness spend.
  • ACA serious-event protection layered underneath for hospital, ER, and surgery.
Start with Emerald
◆ Most Chosen
Gabriel Care Sapphire member card
Flagship membership · FSA/HSA
Gabriel Care Sapphire $699all-in / mo
$399 Sapphire + ~$300 ACA Silver avg
Best forThe default choice for active wellness users who want higher monthly balance, fewer surprise bills, and priority guidance.
  • $1,000 wellness balance / monthThe flagship balance for active members using modern care more often.
  • Expanded longevity supportAdvanced protocol guidance with concierge sourcing and replenishment.
  • $0 deductible exposureGabriel absorbs surprise exposure so the monthly value feels predictable.
  • Priority human guidanceCare navigator support, wearable intelligence, and next-step recommendations when you need direction.
Everything included
  • PCP, urgent care, mental health, specialists, and Rx coordination.
  • Supplement and peptide concierge: sourced, shipped, dosed, and reordered.
  • Reads Oura, WHOOP, CGMs, Apple Health, and 300+ wearable inputs.
  • Gabriel Executive Physical: longevity-focused labs and annual review.
Start with Sapphire →
Gabriel Care Onyx member card
Premium insurance matching · live now
Gabriel Care Onyx $1,499all-in / mo
$799 Onyx + matched insurance
Best forHigh-touch families, founders, and complex cases that need premium insurance access, executive diagnostics, and 24/7 coordination.
  • $2,000+ wellness balanceThe highest monthly runway for elite root-cause care and diagnostics.
  • Premium insurance matchingA strong compliant plan matched during onboarding for serious-event protection and access.
  • 24/7 coordinationDedicated human coordinator, serious-event response, and family-level support.
  • Executive diagnosticsFull-body MRI, cardiac imaging, cancer screening, and advanced longevity review.
Everything included
  • Every emerging therapy cleared by your clinician, with no practical protocol ceiling.
  • Center-of-excellence placement and second-opinion coordination.
  • Hospital, medical bill, specialist, and family-level advocacy.
  • White-glove scheduling and private coordination for complex cases.
Start with Onyx →
Optional add-ons like dental, vision, family coverage, and specialty care are available à la carte on every tier. See all add-ons →

Wellness balance applies to eligible Gabriel benefits only. Reimbursement eligibility depends on tier, category, documentation, applicable rules, and plan availability. ACA or other compliant insurance premiums are billed separately by the carrier.

§ The Platform

Text Gabriel. It gets handled.

Ask for care, get a verified option, book or order in one tap, then track every dollar and reimbursement from the same thread.

Gabriel app lab ordering flow with recommendations, status, and next steps
01 · Ask Gabriel

Order labs and see status in one thread.

Gabriel app morning protocol stack with supplements, peptides, and lifestyle tasks
02 · Follow the protocol

Supplements, peptides, nutrition, and lifestyle in one plan.

Gabriel app protocol tracking for daily actions and progress
03 · Track what changes

Daily actions, progress, and next steps stay organized.

One private thread Rich booking cards Order tracking 48-hour reimbursement
§ · Live demo

See Gabriel actually work.

Follow the exact receipt-to-reimbursement flow members use: text the receipt, Gabriel verifies fair pricing, and the money moves back to your account.

Text a receipt. Money back in 48 hours. No claim forms. No portals. Just the phone.
§ · Your care team

Ten specialists.
One care thread.

Clinical interpretation, booking, billing advocacy, sourcing, reminders, and reimbursement coordinated in the same place you already text.

10 rolesClinical, billing, booking, records, sourcing $12K/yearTypical cost to assemble separately One threadHuman support with AI memory
01 Clinical brain Reads your biology. Finds root causes. Writes the protocol.
$350/mofunctional MD

The Diagnostician

Reads every lab, symptom, and wearable signal. Finds root causes, not symptom labels.

$50/mobiometrics reader

The Pattern Detector

Cross-references 300+ wearables, labs over time, and protocol changes. Flags what you'd miss.

$100/mohealth coach

The Protocol Translator

Turns practitioner notes into a plan you can actually follow. Dose, timing, what to watch for.

02 Operations Books, coordinates, pays, and files every moving piece of your care.
$75/moconcierge booking

The Concierge

Books practitioners, labs, and follow-ups from the 111K+ network. Never puts you on hold.

$185/moRN case manager

The Coordinator

Routes referrals, orders labs, syncs your whole care stack. One calendar, zero duplicate bloodwork.

$85/momedical billing

The Accountant

Verifies price. Submits claims. ACHs reimbursement in 48 hours. No forms, no portals.

$25/morecords specialist

The Archivist

Holds your full medical history, every lab, every protocol. Exports in one tap to any new specialist.

03 Advocacy & supply Fights for your money. Sources your medicine. Never lets anything run out.
25% of savingsbill negotiator

The Advocate

Negotiates bills. Appeals denials. Argues with your insurance so you never have to.

$100/momedical assistant

The Reminder

Refills, adherence, follow-ups. Via text, email, or push. Nothing falls through the cracks.

$50/mocompounding pharmacy

The Supply Chief

Sources GLP-1s and research peptides from trusted, verified suppliers. Curated practitioner-only supplements — not the Amazon shelf. Reorders before zero.

$35/mohealthcare shopper

The Shopper

Knows fair-market price in your zip for every visit, lab, and therapy. Flags overcharges before you pay.

Hire this team a la carte ~$12,000/year Functional MD, RN case manager, billing advocate, health coach, and seven more specialists — charged hourly or per-visit.
Gabriel Emerald $2,988/year All ten, in one thread, plus $7,200/yr wellness balance on top. Cancel anytime.
How we sourced these numbers
  • Functional MD — monthly membership model, $300–$700/mo range per industry surveys (vytalhealth, CCFMED, WINIT Clinic).
  • Biometrics / pattern detection — estimated from health-coach and wearable-analysis consumer offerings.
  • Health coach / protocol translation — $75–$300/hr per BLS occupational data, assuming monthly check-ins.
  • Concierge booking — concierge nursing / patient navigation rates, $125–$200/visit (TheKey, ZipRecruiter).
  • RN case manager — $37/hr national mean, $47/hr CA (ZipRecruiter, 2025). Assumes ~4hrs/mo.
  • Medical billing service — 20–35% of savings, $1,000 typical minimum (KFF Health News, Resolve Medical Bills).
  • Records specialist — $22–$30/hr (BLS OES 2024), occasional pulls.
  • Bill negotiator — 25–30% of savings (KFF, Resolve). Gabriel does this inline, no success fee.
  • Compounding pharmacy sourcing — vendor markup + consult time, estimated from practitioner-dispensed models.
  • Healthcare shopping — no direct consumer analog; benchmarked against employer navigation services (Rightway, Included Health PEPM rates).

Numbers are midpoint estimates for a member using care moderately (1 visit/mo, 2–3 labs/yr, ongoing supplements, 1–2 bill disputes/yr). Heavy users save more. See the comparison methodology above.

§ Common questions

The questions people ask before they switch.

Clear answers on reimbursement, serious-event protection, HSA/FSA eligibility, family coverage, and how Gabriel differs from normal insurance. Still unsure? Text (323) 675-3347.

01How does reimbursement actually work?

Text Gabriel a photo of your receipt. We verify the price against fair-market rates, approve, and ACH the money to your linked account. Typical turnaround is 48 hours. No claim forms, no portals, no phone trees.

02Is Gabriel Care insurance?

Gabriel Care is a wellness coverage membership, not conventional insurance by itself. Gabriel benefits are separate from insurance. During onboarding, Gabriel can help pair the membership with an ACA or other compliant insurance layer for hospital, ER, and surgery protection.

03What happens in a catastrophic event?

The ACA or other compliant insurance plan paired during onboarding handles hospital, ER, and surgery according to carrier terms. Gabriel helps match the right insurance layer and coordinates around it so serious-event protection sits underneath the wellness membership.

04Can I use my HSA or FSA for this?

Many eligible expenses may be HSA/FSA reimbursable when they qualify under IRS Publication 502. The membership fee itself generally is not. Gabriel provides itemized receipts where available so you can submit eligible expenses cleanly.

05Which states are you live in?

Gabriel is designed for national availability, but membership options, ACA plan availability, carriers, and pricing vary by state. During onboarding, we match your membership and insurance path based on your ZIP code, household details, and plan eligibility.

06Can I add my family?

Yes. Family coverage is a $249/mo add-on on any tier and covers spouse plus dependents. Each family member gets their own Gabriel thread, balance allocation, and care navigation. Onyx members get family coverage included.

§ · Ready when you are

Modern care.
One membership.

From $499/mo all-in: wellness balance, concierge support, reimbursement, and serious-event protection. No claim forms, ever.

Get covered → Compare tiers

Questions? Text Gabriel at (323) 675-3347 · real human reply within two hours.