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: $199 (Care) or $299 (Gabriel Care Plus)
- Membership begins on payment date
- Cancel anytime with 30 days notice
3. Wellness Benefit
- $620/mo (Care) or $1,200/mo (Gabriel Care Plus) pooled wellness benefit
- Resets monthly on billing date
- Does not roll over
- Covers 11 categories: wellness/preventative, peptide protocols, cutting-edge treatments, emergency/catastrophic, advanced labs, cannabis medicine, psychedelic therapy, advanced diagnostics, mental wellness, biological dentistry, health intelligence (free)
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