Memorandum on Frequently Asked
Questions.

That structure is what lets Gabriel focus on the care traditional insurance usually excludes — holistic doctor visits, peptides, labs, IV therapy, supplements, massage, acupuncture, cannabis where available, and psychedelic therapy where legal — without pretending the membership itself is conventional insurance. See full coverage scope →

You can also pay annually (two months free on Emerald, three on Sapphire) or use pre-tax HSA/FSA funds. Compare tiers →

Every category is covered on every tier. The only thing that changes between Emerald / Sapphire / Onyx is the monthly dollar ceiling on those categories — $600, $1,000, and $5,000 respectively. See all 8 categories →

We use the PHCS national PPO network for conventional care — 1.2 million providers, every major hospital system. You don't need referrals for specialists on Sapphire or Onyx.

We'll tell you straight during enrollment if we're not the right fit. We don't sell memberships we can't honor.

If you're switching from another health plan, we time the transition so you're never uncovered. Tell us your current plan's end date and we handle the overlap.

If employer coverage is affordable and works for you, Gabriel can sit alongside it as a supplemental wellness membership. During onboarding we ask a few questions so we can point you toward the cleanest setup.

We provide itemized receipts formatted for HSA/FSA reimbursement on every claim. Tax advice is yours — but we make the paperwork easy.

Certain concierge retainers, non-medical fees, or unsupported categories may not qualify. You can still pay for those out of pocket; Gabriel just may not reimburse them.

Our Sapphire tier averages $4,600/year less than MDVIP once you net out coverage. See how one member compared →

Onyx families get a dedicated family coordinator who manages all household appointments, school forms, and specialist referrals for everyone under one roof.

If the ER is out-of-network, we cover anyway — there's a special provision for emergencies. Post-emergency, your Gabriel coordinator follows up within 24 hours to make sure discharge planning is handled.

If we're going to deny something, we tell you within 4 hours, explain why, and offer alternatives. No silent denials.

Denial rate in year one: under 3%. Most of those were fraud attempts or clear out-of-scope requests (cosmetic procedures, experimental treatments without protocol). Legitimate appeals are overturned about 70% of the time.

Onyx members get full international coverage including routine care, evacuation insurance, and a concierge who speaks five languages. If you break your leg in Lisbon, they're handling the logistics before you're off the tarmac.

For complex conditions, Sapphire and Onyx members get access to our Medical Advisory Board — four physicians (two conventional, two integrative) who review the case and offer a second opinion at no cost.

Our Medical Director oversees the psychedelic program personally. Every covered provider is board-reviewed and screened for clinical protocol adherence.

We are SOC 2 Type II and HIPAA compliant. Annual third-party audits are published to members on request. We've never had a breach; if we did, we'd tell every affected member within 48 hours, not wait out the legal minimum.

Gabriel Care is designed to work nationally, with the insurance layer matched during onboarding based on your state and plan availability. See what's covered →

About 6% of members cancel in their first year. Of those, about a third come back within six months. We'd rather you leave easily than stay unhappily.

Every month, we publish a transparency report: how much came in, how much paid claims, how much overhead. You can read every report at /transparency once you're a member.

We keep a running log of every question we get. If enough members ask the same new one, it shows up in the next revision of this memo. This document is version 2.3.