Gabriel Care
Last updated: March 2026

Member Guidelines

1. What Gabriel Care Is

  • Health sharing community, NOT insurance
  • Members voluntarily share medical expenses through pooled funds
  • Organized under ACA Section 1501
  • For-profit community (like CrowdHealth)

2. Membership

  • Open to US residents 18+
  • No religious requirements
  • Monthly contribution: $299 (Care) or $449 (Gabriel Care Plus)
  • Membership begins on payment date
  • Cancel anytime with 30 days notice

3. Wellness Benefit

  • $900/mo (Care) or $1,800/mo (Gabriel Care Plus) pooled wellness benefit
  • Resets monthly on billing date
  • Does not roll over
  • Covers wellness AND conventional medicine: wellness/preventative, peptide protocols, cutting-edge treatments, advanced labs, cannabis medicine, psychedelic therapy, advanced diagnostics, mental wellness, biological dentistry, health intelligence (free), PLUS primary care visits, urgent care, specialist visits, prescriptions, imaging, and mental health therapy

4. How Claims Work

  • Submit receipt via Gabriel chat or app
  • AI verification checks: eligible service, fair market pricing, within balance
  • Approved claims reimbursed within 24-48 hours
  • Reimbursement via linked bank account (Stripe Connect)
  • Fair market price: Gabriel may adjust reimbursement to fair market rate if submitted amount exceeds typical pricing

5. What's Not Covered

  • Cosmetic procedures (unless medically indicated)
  • Weight loss surgery
  • Fertility treatments (under review for future inclusion)
  • Services from non-licensed practitioners
  • Claims exceeding monthly wellness benefit
  • Services received before membership start date

6. Waiting Periods

  • 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

7. Member Commitment (Catastrophic)

  • $500 per catastrophic event (Care) or $250 (Gabriel Care Plus)
  • Applies to: ER visits, hospital stays, surgery
  • Does NOT apply to wellness claims

8. ACA Complete (Optional)

  • Members strongly encouraged to pair with ACA Bronze plan
  • Gabriel assists with enrollment through HealthSherpa
  • ACA plan covers: conventional medicine, ER, hospital, prescriptions
  • Gabriel Care covers: everything ACA won't
  • Members in mandate states (CA, MA, NJ, DC, RI) should maintain ACA coverage

9. Wearable Health Data

  • 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: $299/mo Care, $449/mo Care+.

10. Privacy & Data

  • 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

11. Community Standards

  • Members agree to use benefits honestly
  • Fraudulent claims result in immediate termination
  • Gabriel uses AI + random audits to verify claims
  • Members agree not to misrepresent services

12. Cancellation & Refunds

  • Cancel anytime with 30 days notice
  • No refund for current billing period
  • Outstanding claims processed normally after cancellation
  • Member commitment obligations survive cancellation

13. Dispute Resolution

  • Contact support first
  • Written dispute reviewed within 14 days
  • Binding arbitration for unresolved disputes
  • Governed by Nevada law

14. Changes to Guidelines

  • Gabriel may update guidelines with 30 days notice
  • Continued membership = acceptance of changes
  • Material changes communicated via email + app notification

15. Disclaimer

  • Gabriel Care is not insurance
  • Not a substitute for professional medical advice
  • Members are responsible for their own healthcare decisions
  • Gabriel Intelligence provides educational information only