Gabriel Care Benefits
Know exactly what your membership can do.
Compare monthly wellness limits, category caps, wearable bonuses, and the software, intelligence, and support included across Emerald, Sapphire, and Onyx.
Gabriel Care is a wellness membership, not health insurance. Reimbursement is subject to eligibility, documentation, and approval.
Three levels of support
Choose the monthly room your care needs.
Every tier uses the same five benefit categories. Higher tiers provide a larger monthly pool, higher category caps, and more hands-on support.
Prefer a shareable summary?Download the Emerald Benefits PDF
Included with every tier
One intelligence for your entire health world.
Over SMS or in the Gabriel app, Gabriel can reason across your benefits, records, lab history, genetics, wearable data, and care history, then help turn that context into action. Human support depth varies by tier, workflow, location, and availability.
Reason across the whole picture
Connect the dots across your benefits, Health Vault, labs, genetics, wearables, protocols, and care history where data is available.
Turn intelligence into action
Plan care, surface proactive next steps, find and request providers, coordinate bookings, and help place eligible orders.
Use SMS or the Gabriel app
Start with a text or open the app. Your requests, context, and progress stay connected across both experiences.
Close the loop
Track appointments and orders, submit receipts, prepare reimbursement requests, and keep the next step visible.
How benefits work
How much can Gabriel reimburse?
For every expense, Gabriel checks four things: what is left in your monthly pool, the category limit, how much of the expense is eligible, and whether it follows plan rules. The lowest limit is the most Gabriel can reimburse.
Read the full Membership & Benefits AgreementGabriel checks these four things:
- 01What is left in your monthly pool
- 02The limit for that category
- 03How much of the expense is eligible
- 04Whether the expense follows plan rules and fair pricing
Preferred pathway
Up to 100%Eligible expenses through Gabriel Network providers and Preferred Partners.
Out of network
Up to 50%Eligible expenses outside Gabriel's preferred pathway.
No expense is automatically guaranteed. Eligibility, documentation, fair-market value, remaining pool, category caps, and approval rules still apply.
Side-by-side
The numbers, without the fine-print maze.
Compare the wellness dollars, technology, and level of human support included with each tier. Bundled pricing applies when Gabriel is Agent of Record; standalone memberships add $30 per covered life.
| Benefit | Emerald | Sapphire | Onyx |
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Category caps are spending guardrails, not separate balances. Adding category caps together does not increase the total monthly pool.
The 90-Day Ramp
Your wellness pool grows with your membership.
New members start at 33% of the base pool, move to 66% in Month 2, and reach 100% in Month 3. Category caps stay at their full values; the total monthly pool is the binding limit during the ramp.
Wearable engagement bonuses can begin in Month 3 after eligibility requirements are met.
Good questions
What most people want to know first.
Is Gabriel Care health insurance?
No. Gabriel Care is a separate wellness membership. It does not replace comprehensive health insurance or emergency care.
Does my full monthly pool roll over?
No. Monthly limits expire at the end of each Monthly Benefit Period and do not roll over.
How much will Gabriel reimburse?
Eligible care through Gabriel Network providers and Preferred Partners is reimbursed at 100%. Eligible out-of-network care is reimbursed at 50%. In normal cases, a properly documented and reasonably priced eligible expense receives the full applicable rate, up to your remaining monthly pool and category cap. Gabriel may adjust a request when documentation is incomplete, pre-approval was required, pricing materially exceeds fair market value, or another eligibility or program-integrity rule applies.
When do I need pre-approval?
Pre-approval is required for any single expense of $300 or more, higher-risk categories, recurring protocols, and unusual, bundled, experimental, or high-cost services.
Can I enroll a spouse or family?
Yes. Household pricing and the shared monthly pool depend on the enrolled household structure. Gabriel confirms the exact membership commitment and pool before enrollment.
Are reimbursement times guaranteed?
No. Timing begins after complete documentation and approval and remains a target, not a guarantee. Requests needing additional review can take longer.
What is included beyond the monthly wellness pool?
Every tier includes access through SMS and the Gabriel app to AI-assisted health intelligence, member support channels, care navigation, reimbursement administration, and Health Vault tools. Gabriel can help plan, book, order, track, and reimburse while organizing available benefits, records, labs, genetics, wearable data, and care history. Where offered, membership may also include access to telehealth, clinical visits, lab review, screenings, and prescription coordination through independent licensed providers. Human-support depth and specific workflows or integrations vary by tier, location, and operational availability.
Can Gabriel help with an unexpected major medical bill?
Gabriel may consider discretionary assistance after 90 days of continuous membership for sudden, unforeseen, non-elective emergency or catastrophic events. Assistance is never guaranteed, requires documentation and insurance-first review, and may cover all, part, or none of a request under Section 9 of the Membership & Benefits Agreement.
Ready when you are
Choose a membership that can keep up with your health.
Start with the tier that fits today. Gabriel will confirm the exact enrollment details before you pay.