Last updated: March 2026

Member Guidelines

1. What Gabriel Care Is

Wellness coverage membership for eligible proactive care
Separate from ACA Marketplace plans and other compliant insurance
Insurance plans are issued and billed by licensed carriers
Gabriel provides care navigation, reimbursement support, and health intelligence

Starting wellness balance depends on selected tier
Wearable-linked benefits may increase monthly value when available
Resets monthly on billing date
Does not roll over
Eligible categories may include holistic doctor visits, peptide protocols, advanced labs, IV therapy, supplements, cannabis medicine where available, psychedelic therapy where legal, massage therapy, acupuncture, and related proactive care
HSA/FSA eligibility depends on the underlying expense and IRS rules. Consult your tax advisor for specific eligibility questions.

Submit receipt via Gabriel chat or app
AI verification checks: eligible service, fair market pricing, within balance
Approved claims are typically reimbursed within 24-48 hours depending on tier and documentation
Reimbursement via linked bank account (Stripe Connect)
Gabriel Preferred Providers (in-network): 100% reimbursement up to your wellness credit balance
Any other provider (out-of-network): 80% reimbursement. You can see any licensed provider you choose.
Fair market price: Gabriel may adjust reimbursement to fair market rate if submitted amount exceeds typical pricing
Claims above $500 require chat-based pre-approval before treatment (approval is typically instant via Gabriel AI)
Benefit unlock: Some Gabriel benefits may unlock over time as your health profile, documentation, and personalized protocol are completed.

Recurring subscriptions, memberships, and auto-billed services (Gabriel Care reimburses individual wellness treatments and services upon receipt submission. Each claim must be a discrete service or purchase with a dated receipt. Examples: monthly gym memberships, subscription supplement boxes, ongoing auto-ship orders, streaming wellness services)
Cosmetic procedures (unless medically indicated)
Weight loss surgery
Fertility treatments (under review for future inclusion)
Services from non-licensed practitioners
Claims exceeding monthly wellness balance or tier limits
Services received before membership start date

Basic wellness (labs, IV therapy, acupuncture, red light, chiropractic): available immediately
Advanced treatments (peptides, psychedelics, stem cells, biological dental, cannabis): 60-day waiting period
Pre-existing conditions: 12-month waiting period for related claims, or 6 months with demonstrated health engagement

Member responsibility depends on the insurance plan and selected Gabriel tier
Applies to serious events such as ER visits, hospital stays, and surgery
Does NOT apply to wellness claims
Gabriel coordinates around the insurance layer and any eligible Gabriel benefit support

Members may pair Gabriel with ACA Marketplace or other compliant insurance coverage
Gabriel and its licensed agents may assist with enrollment when authorized
ACA plans cover essential health benefits according to carrier and plan terms
Gabriel Care supports eligible wellness benefits traditional insurance often excludes
Members in mandate states (CA, MA, NJ, DC, RI) should maintain ACA coverage

Optional but incentivized with lower rates
Data used for: health scoring, treatment correlation, personalized recommendations
Data encrypted and HIPAA compliant
Member can disconnect at any time
REMOVED: Wearable discount tiers (Open/Verified/Elite). Wearable tracking is now a FREE feature for all members. Flat pricing: $249/mo Care, $399/mo Care+.

HIPAA compliant
Health data encrypted in transit and at rest
Never sold to third parties
Used only for: member health scoring, claims processing, treatment recommendations
Member can request data deletion