How does this work with my insurance?
Keep your health insurance for emergencies and major medical care. Gabriel is a separate membership for the everyday care insurance usually skips, and the price is the same whatever insurance you have. If you’d like help with your plan, you can name Gabriel its licensed agent (your coverage stays the same) or find a new plan with us. It’s optional.
Can I try Gabriel for free?
Yes. You can try Gabriel for free: type your question, then sign in with Google, Apple, X or email. Gabriel can also order, book and start prescription requests while you pay regular prices, and those open by invite.Yes. You can try Gabriel for free: it does the work, and you pay regular prices for what you buy. Just sign in with Google, Apple, X or email. Ask Gabriel or see what Gabriel does for free.
When can I use my full wellness budget?
From your first month. The wearable bonus can start in month three, once you meet the goals.
How does Saved Care work?
Your full monthly budget comes back every month. At the end of each month, 20% (Emerald), 25% (Sapphire), or 30% (Onyx) of what you didn’t use is saved as Saved Care, on top of next month’s budget. It keeps building for as long as you’re a member, with no limit. Each month, your new budget is used first, then Saved Care. Wearable, welcome, and other bonus credits don’t count toward it. Households share one Saved Care balance. If you change plans, your Saved Care stays, and the new plan’s budget and percentage start the next month.
When do I need pre-approval?
Anything over $1,000 from an outside provider, and any procedure, needs approval before you book. Higher-risk services need it at any price. During your first three months, outside-provider reimbursements that add up to more than $300 in a month also need pre-approval. Ask before you buy.
Can I use my HSA or FSA?
HSA/FSA eligibility applies to qualifying clinical care, not the full membership fee. The clinical portion is already included: Primary Care Powered by Everdawn, for everyday virtual primary and urgent care, is $39 a month on Gabriel Core and $69 a month on Gabriel Plus; Emerald $99 a month, Sapphire $159 a month, Onyx $299 a month. If you pay the clinical part with pre-tax FSA money, Emerald works out to about $219 a month at a 30% tax rate, Sapphire about $351, Onyx about $709, Gabriel Plus about $68 and Gabriel Core about $37. Have an HSA? Check with your plan or a tax advisor before paying the clinical part from it. Added family members’ fees are wellness, not clinical. Gabriel can provide an itemized statement. The wellness and concierge portion, and the Gabriel membership part of Core and Plus ($10 and $20 a month), are not represented as qualified medical expenses. Your plan’s rules decide what qualifies. This isn’t tax advice.
Can I join with my partner, family, or business?
Yes. Add your partner and family when you join, and your household shares one budget. Each added person is $187 (Emerald), $299 (Sapphire), or $599 (Onyx) a month. From the third child under 21, kids are free. Businesses can use Gabriel Teams.
What happens if I cancel?
Cancel anytime. It takes effect at the end of what you’ve paid for, and no earlier than the end of your three-month minimum. Until then, you can use your monthly budget and Saved Care. After that, both end, and there’s no cash-out.