Referral & Affiliate Program
For new-program referrals, the customer keeps the applicable standard signup offer, with no additional referral welcome credit, except that a customer who joins Gabriel Plus with an active member’s personal referral link receives a $20 Apotheca gift card once the referral qualifies. The referrer may receive cash as an approved affiliate ($20, $90 or $100, by the plan the customer joins) or wellness credits as an active eligible member ($150, or $20 when the customer joins Gabriel Plus), never both, subject to qualification and program limits. For a member whose Saved Care has started, the wellness credits are added to Saved Care under Section 7B(o). Affiliate cash payments are separate from the Wellness Pool and do not make wellness credits redeemable for cash.
See the separately versioned Referral & Affiliate Terms for eligibility, prepaid-membership timing, attribution, limits and protection of existing rewards. This supplemental program does not change the accepted membership Benefits Schedule below.
Gabriel Care SMS Program Terms
Gabriel Care, operated by Gabriel Care LLC, sends text messages for customer care, enrollment and coverage support, appointment reminders, account and membership updates, verification codes, and occasional service updates. Message frequency varies. Message and data rates may apply.
Reply STOP to unsubscribe or START to resume messages. Reply HELP for help, or contact us at support@askgabriel.com. Carriers are not liable for delayed or undelivered messages.
Consent to receive texts is not a condition of purchase. See the complete SMS Terms and Conditions and our Privacy Policy.
Optional lab services addendum
New enrollment checkouts may separately include the Lab Services Terms, version gabriel-lab-services-2026-09-15a. These identify the applicable testing service providers and patient terms. Acceptance does not order testing or guarantee coverage, and does not record consent for other adult household members. Existing membership acceptance is not retroactively treated as acceptance of this addendum.
1. Parties
This Membership and Benefits Agreement (the "Agreement") is between Gabriel Care LLC, a Nevada limited liability company ("Gabriel Care," "Gabriel," "we," "us," or "our"), and the individual who enrolls in Gabriel Care or receives access through an employer or sponsoring organization ("Member," "you," or "your"). Gabriel Care is offered by Gabriel Care LLC. Insurance brokerage, plan enrollment, and Agent-of-Record services described in this Agreement are provided by Gabriel Labs LLC, a separately licensed Nevada insurance agency. Gabriel Care LLC and Gabriel Labs LLC are affiliated but separate legal entities. References in this Agreement to insurance brokerage, plan enrollment, or Agent-of-Record services refer to services provided by Gabriel Labs LLC.
If you enroll through an employer, sponsor, family account, or other group, this Agreement applies to your individual use of Gabriel Care. Your sponsor may also have a separate agreement with Gabriel.
2. Key Definitions
"Benefits Schedule" means the tier-specific or sponsor-specific schedule that describes membership fees, reimbursement limits, eligible categories, exclusions, documentation requirements, waiting periods, pre-approval rules, and any special terms that apply to a member.
"Covered Member" means a person who is listed in Gabriel's records as eligible to use Gabriel Care benefits under an active individual, household, or sponsor-paid membership.
"Family Membership" means a household membership covering a Primary Member, optional Adult Dependents, and Child Dependents as described in Section 15.
"Monthly Benefit Period" means the recurring one-month cycle that begins on your enrollment or membership billing date and renews on the same date each month, aligned to your membership billing date rather than the calendar month. For enrollment dates that do not occur in a given month, such as the 29th through the 31st, the Monthly Benefit Period ends on the last day of that month and resumes on your regular date the following month. Your monthly wellness reimbursement amount is available during your Monthly Benefit Period and resets at the start of your next Monthly Benefit Period. Unused amounts do not carry into the next Monthly Benefit Period, except for the part that is added to Saved Care under Section 7B. Because members enroll on different dates, wellness amounts reset on different dates throughout the month rather than all on the first.
"Primary Member" means the individual responsible for payment of the membership and the contact of record for the household.
"Sponsor" means an employer, organization, family account holder, or other third party that pays for, subsidizes, or makes Gabriel Care available to a Member.
"Third-Party Provider" means any clinician, practitioner, pharmacy, lab, telehealth group, marketplace, broker, insurer, carrier, facility, merchant, wellness provider, or other independent party that provides products or services outside Gabriel.
"Clinical Care Component" means the fixed portion of the membership fee that purchases access to clinical and medical-care services furnished by licensed Third-Party Providers arranged through Gabriel, as described in Section 16A.
"Wellness & Concierge Component" means the portion of the membership fee that covers non-clinical health navigation, concierge coordination, wellness reimbursement administration, member support, and technology access, as described in Section 16A.
"Wellness Credits" and "Wellness Pool" mean Gabriel's internal monthly reimbursement limit for eligible expenses under a Benefits Schedule. These are not cash, stored value, wages, insurance benefits, a health savings account, a flexible spending account, or a member-owned account.
"Saved Care" means the part of a member's unused base monthly Wellness Pool that Gabriel adds, at the end of each Monthly Benefit Period, to a separate internal reimbursement limit that the member may use in later Monthly Benefit Periods, as described in Section 7B. Like Wellness Credits, Saved Care is not cash, stored value, wages, an insurance benefit, a health savings account, a flexible spending account, or a member-owned account.
3. Agreement to Terms
By creating an account, enrolling in a paid Gabriel Care membership, clicking "I agree," using Gabriel Care benefits, submitting a reimbursement request, asking Gabriel to coordinate care, or continuing to use Gabriel Care after receiving notice of updated terms, you agree to this Agreement, the Gabriel Care Terms of Service, Privacy Policy, applicable consent forms, and the Benefits Schedule provided to you.
If you do not agree, do not enroll or use Gabriel Care benefits.
3A. Founding Member Access
You're joining as a founding member of Gabriel Care. During this early period, we're intentionally welcoming a limited number of members from our waitlist so we can deliver an exceptional, high-touch experience and build Gabriel around what our members actually need. As a founding member, you get early access to our wellness benefits, AI-powered care team, and coverage layer, and your experience directly shapes what Gabriel becomes.
Gabriel Care is actively evolving, and our commitment is simple: we intend to maintain the benefits we've described and to keep improving them over time. As the program grows, certain details, including tiers, pricing, Wellness Credit amounts, Balance Build schedules, eligible categories, and program features, may be refined or expanded. If we ever need to make a material change that reduces a benefit you're receiving, we'll give you advance notice, and you may cancel before that change takes effect. You're never locked into a change you don't accept.
From time to time we may update this Agreement and the Benefits Schedule. When a change is material, we'll present the updated terms for your review and acceptance before you continue, and your continued membership or re-acceptance confirms the update. If you don't accept a material update, you may cancel before its effective date as described in this Agreement.
4. What Gabriel Care Is
Gabriel Care is a membership service that combines health navigation, AI-assisted support, wellness reimbursement administration, care coordination, plan optimization, claims support, provider routing, and member concierge services.
Depending on your membership tier and location, Gabriel Care may include:
Access to Gabriel's AI health operating system and member support channels.
Insurance and benefits navigation support.
Wellness reimbursement administration subject to eligibility rules and monthly limits.
Provider search, appointment booking, and concierge coordination.
Claims, receipt, and benefit document review.
Health Vault document storage and organization.
Optional wearable, lab, supplement, protocol, and health data integrations.
Access to third-party products or services through independent providers.
5. What Gabriel Care Is Not
Gabriel Care is not health insurance unless you separately enroll in an insurance product issued by a licensed insurer. Gabriel Care does not itself guarantee payment of medical expenses, does not replace comprehensive health insurance, and does not satisfy any legal requirement to maintain health coverage unless a separate regulated product expressly says so.
Gabriel is not a hospital, physician group, emergency service, pharmacy, insurer, third-party administrator, or medical provider. Gabriel does not practice medicine. Gabriel's AI and staff support are informational, administrative, navigation, and coordination tools. Medical decisions must be made by you and your licensed healthcare providers.
Gabriel Care is not for emergencies. If you believe you may have a medical emergency, call 911 or seek emergency medical care immediately.
6. Membership Tiers and Benefits Schedule
Your benefits are defined by the Benefits Schedule active for your membership tier at the time of service. The Benefits Schedule may include monthly reimbursement limits, waiting periods, pre-approval requirements, documentation requirements, covered categories, excluded categories, member cost-sharing, and reimbursement timing.
Emerald, Sapphire, and Onyx are available to adults of every age on the same tier terms. A member's age does not change the selected tier's fee, Wellness Pool, wearable engagement bonus, Balance Build, or other published tier benefits. Medicare-eligible members may receive optional Senior and Medicare coordination as a service overlay, but that overlay is not a separately priced membership tier and does not change the selected tier's pricing or benefits.
All wellness benefits, reimbursement limits, benefit categories, wearable increases, deductible assistance, catastrophic assistance, and other membership benefits are discretionary program features, not vested rights, cash entitlements, insurance benefits, or guaranteed monthly amounts. Gabriel may increase, decrease, pause, replace, limit, or discontinue benefits prospectively for a sponsor group, tier, category, geography, family structure, other objectively defined eligibility class, or the program as a whole based on utilization, pool health, reserve levels, fraud or abuse risk, regulatory concerns, provider availability, pricing changes, financial sustainability, operational constraints, or other business reasons. No per-category dollar caps currently apply, except the Therapeutic & Postpartum Meals limit in Section 8. Gabriel reserves the right to introduce prospective, published category limits for a tier or other objectively defined eligibility class under this Agreement's notice provisions.
Gabriel does not guarantee any minimum or maximum wellness benefit, reimbursement amount, deductible assistance amount, catastrophic assistance amount, or monthly benefit value. References to "up to" amounts are maximum possible amounts under the then-current Benefits Schedule, not promised amounts and not amounts Gabriel is obligated to reimburse in any month.
Gabriel intends to operate the program in good faith and to support members whenever reasonably possible, but Gabriel must preserve flexibility to protect the long-term health and sustainability of the membership program.
Wearable Engagement Bonus
The wearable engagement bonus is a discretionary wellness-reward feature that may increase a member's Monthly Wellness Cap when the member connects an eligible wearable and maintains qualifying engagement. The bonus is framed as a base pool plus potential upside, not as a guaranteed benefit. For example, Sapphire may offer up to $150 per month in wearable engagement upside: $45 for qualifying connection and up to $105 more for qualifying activity. The healthier and more consistently engaged a member is, the more of the available bonus the member may earn, subject to the Benefits Schedule and all program rules.
The then-current wearable engagement bonus is divided into two parts: a Connection Bonus equal to 30 percent of the tier's maximum wearable engagement bonus, and an Activity Bonus equal to 70 percent of the tier's maximum wearable engagement bonus. For the current tiers, the Connection Bonus is Emerald $30 per month, Sapphire $45 per month, and Onyx $60 per month. The Activity Bonus is Emerald up to $70 per month, Sapphire up to $105 per month, and Onyx up to $140 per month.
Wearable bonus timing. Neither the Connection Bonus nor the Activity Bonus is available during the first Monthly Benefit Period. A wearable engagement bonus may first increase the Monthly Wellness Cap in Period 2, provided the member has satisfied all then-current connection, activity, and eligibility requirements. Wearable data collected during Period 1 may count toward the applicable measurement windows, but no wearable engagement bonus is applied before Period 2. This timing rule applies to Flex, Full Access, and Three-Month Start across every tier and enrollment type that offers a wearable engagement bonus, including Emerald, Sapphire, Onyx, Family Memberships, and Teams.
Reaching Period 2 does not automatically earn a wearable engagement bonus. To first qualify for the Connection Bonus, a member must complete 30 days of connected, actively syncing wearable data. Both the Period 2 timing requirement and the connection requirement must be satisfied. After qualification, the Connection Bonus is maintained when Gabriel receives wearable data for at least 20 of the trailing 30 days. If the member falls below that maintenance threshold, Gabriel may provide one Monthly Benefit Period of grace during which the Connection Bonus remains active and Gabriel notifies the member to reconnect or resume syncing. If the member remains below the threshold at the next monthly check, the Connection Bonus is removed for the following benefit period. A removed Connection Bonus is re-earnable by reconnecting and meeting the then-current maintenance threshold; there is no additional waiting penalty beyond the applicable measurement window.
The Activity Bonus is calculated monthly using a trailing 30-day window and then-current measurable health engagement metrics. In V1, a "goal-day" means a day on which the member records either at least 10,000 steps or at least 7 hours of sleep through the connected wearable data source. Twenty or more goal-days in the trailing 30-day window earns the full Activity Bonus. Ten through 19 goal-days earns one-half of the Activity Bonus. Fewer than 10 goal-days earns no Activity Bonus for the following benefit period. The Activity Bonus decays or increases with behavior, is recalculated monthly, and is re-earnable.
All wearable engagement bonus amounts, percentages, metrics, thresholds, measurement windows, eligible devices, data-source rules, grace rules, and activity tiers are discretionary program features. Gabriel may change, reweight, pause, replace, or discontinue them prospectively under this Agreement's change provisions. Bonus changes affect future benefit periods only and do not claw back already approved reimbursements or retroactively alter expenses with a date of service before the effective change date, except as otherwise permitted under this Agreement for fraud, mistake, ineligibility, payment reversal, safety, legal, or plan-integrity reasons.
Beyond the connection and activity engagement bonuses, Gabriel may from time to time, in its sole discretion, provide additional member rewards, credits, discounts, brand-partnership perks, product benefits, service benefits, or other root-cause, holistic, or preventative-health benefits, including discretionary bonuses in months of strong pool health. These additional bonuses are not guaranteed, are not vested rights, and may be offered, varied, limited, paused, or discontinued at any time.
Membership prices below are Gabriel Care membership prices only. Insurance premiums, ACA plan selection, subsidy effects, network costs, and other external coverage costs are separate.
Emerald
Membership fee: $249 per month, unless otherwise stated at enrollment.
Wellness reimbursement limit: up to $500 per month after any applicable ramp period.
Wearable engagement bonus: up to $100 per month if requirements are met, plus additional engagement bonuses Gabriel may offer from time to time.
Your base monthly amount resets each Monthly Benefit Period. Twenty percent (20%) of the unused base amount is added to Saved Care under Section 7B. Wearable bonuses and other credits do not carry forward.
Full schedule in Exhibit A.
Sapphire
Membership fee: $399 per month, unless otherwise stated at enrollment.
Wellness reimbursement limit: up to $750 base per month after any applicable ramp period, up to $900 per month with the full wearable engagement bonus earned.
Wearable engagement bonus: up to $150 per month if requirements are met, plus additional engagement bonuses Gabriel may offer from time to time.
Your base monthly amount resets each Monthly Benefit Period. Twenty percent (20%) of the unused base amount is added to Saved Care under Section 7B. Wearable bonuses and other credits do not carry forward.
Full schedule in Exhibit A.
Onyx
Membership fee: $799 per month, unless otherwise stated at enrollment.
Positioning: concierge-managed private household health support.
Wellness reimbursement allowance: concierge-managed, with a default target up to $1,500 per month subject to the accepted Benefits Schedule. Wearable engagement bonus up to $200 per month if requirements are met, plus additional engagement bonuses Gabriel may offer from time to time.
Your base monthly amount resets each Monthly Benefit Period. Twenty percent (20%) of the unused base amount is added to Saved Care under Section 7B. Wearable bonuses and other credits do not carry forward.
Full schedule in Exhibit A.
Teams
Current Teams plans, prices, funding options, and Teams Max, Teams Select, and Teams Elite benefits are set out in the Gabriel Teams Pricing and Funding Supplement below (version 2026-11-03b). Existing accepted group schedules are not automatically changed.
Family Memberships
Family memberships layer a Primary Member with optional Adult Dependents and Child Dependents under a single shared monthly Wellness Pool. Pricing, pool composition, and ramp rules are set forth in Section 15 and Exhibit A.
Plan Changes
Gabriel may update, replace, reduce, increase, pause, or discontinue a membership tier, Benefits Schedule, reimbursement limit, covered category, deductible assistance feature, catastrophic assistance feature, or other benefit with notice when legally required or when Gabriel determines notice is appropriate. Gabriel may make immediate changes without advance notice when needed for fraud prevention, safety, plan integrity, regulatory concerns, provider availability, payment risk, pool health, reserve protection, financial sustainability, or operational reasons.
Changes do not retroactively alter an already approved reimbursement request for a service date before the effective change date, unless required by law, fraud prevention, safety, mistake correction, payment reversal, member ineligibility, sponsor ineligibility, or plan integrity rules. Pending, future, incomplete, unapproved, or not-yet-submitted requests remain subject to the Benefits Schedule and program rules in effect when Gabriel reviews them.
7. Wellness Reimbursement Rules
Gabriel may reimburse eligible expenses up to the limits in your Benefits Schedule. Reimbursements are not cash entitlements and do not create a member-owned account. Unused amounts expire at the end of each Monthly Benefit Period (as defined in Section 2), which is aligned to your membership billing date rather than the calendar month, except for the part of the unused base amount that is added to Saved Care under Section 7B.
Reimbursement limits are maximum review limits, not guaranteed payments. Gabriel may approve less than the requested amount or less than the stated maximum based on eligibility, documentation, category rules, fair market value, pool health, reserve protection, fraud controls, member history, provider pricing, legal restrictions, or other plan-integrity factors.
Wellness Credits and other benefit limits are internal program limits only. They are not cash, stored value, wages, compensation, insurance proceeds, HSA/FSA funds, trust assets, escrowed funds, or balances payable to you. You may not transfer, sell, assign, borrow against, redeem, cash out, or demand payment of unused benefits, including Saved Care. Unused amounts carry forward only as Saved Care under Section 7B.
Reimbursement timing. Showing a wellness credit balance in your account does not mean funds are immediately payable. Wellness credits represent an internal monthly reimbursement limit, not cash. After you submit a complete reimbursement request, approved payouts average 72 hours, though timing varies by reimbursement category, documentation completeness, and fraud and plan-integrity review. Gabriel may take additional time when a request requires further review, additional documentation, or audit.
To be eligible for reimbursement, an expense must:
Be for you or another covered member on your account.
Occur while your membership is active and paid.
Fit an eligible category in your Benefits Schedule.
Be supported by a dated, itemized receipt or invoice.
Include provider, merchant, product, or service details sufficient for review.
Be legal in the jurisdiction where purchased or received.
Be medically, wellness, or prevention related, not primarily cosmetic, recreational, or personal convenience, unless your Benefits Schedule expressly allows it.
Comply with pre-approval, waiting period, fair market price, and documentation rules.
Personal Use; No Resale or Commercial Use
Gabriel Care benefits are provided solely for the personal health and wellness needs of the Covered Member identified in the reimbursement request, order, or other benefit transaction. A Member may not use the Wellness Pool or any other Gabriel benefit to acquire products or services for resale, transfer or distribution to a non-member, dispensing, business inventory, fulfillment of third-party orders, or any other business or commercial purpose. This prohibition includes supplements, peptides, medications, diagnostics, devices, and all other products or services obtained, ordered, paid for, or reimbursed through Gabriel. When done knowingly and materially, a violation constitutes intentional misuse subject to denial, suspension, recoupment, termination, permanent ineligibility, forfeiture of prepaid Membership Fees, and any appropriate reporting under the notice and response process in Section 10 and to the extent permitted by applicable law.
Gabriel has final discretionary authority, subject to applicable law, to interpret the Benefits Schedule and determine whether a request is eligible, partially eligible, ineligible, requires more information, requires pre-approval, should be capped at fair market value, or should be denied for plan-integrity reasons. Gabriel may approve, deny, reduce, delay, audit, reverse, recoup, or request more information for any reimbursement request.
Gabriel may cap reimbursement at a fair market amount, exclude taxes, shipping, memberships, subscriptions, tips, late fees, financing charges, or bundled items that are not eligible. If a receipt, invoice, provider package, product bundle, or service charge appears inflated, excessive, unusual, bundled, duplicative, or above typical market pricing, Gabriel may reimburse only the amount Gabriel determines is reasonable or may deny the request.
Gabriel does not provide tax advice. Reimbursements, sponsor-paid memberships, stipends, or wellness benefits may have tax consequences depending on the member, sponsor, benefit design, and applicable law. Members and sponsors should consult their own tax advisors.
Date of service; prospective changes. Whether an expense is eligible, and the reimbursement limits that apply to it, are determined under the Benefits Schedule and program rules in effect on the date the expense was incurred (the date of service), not the date the request happens to be reviewed. If Gabriel changes a Benefits Schedule, reimbursement limit, or program rule, the change applies prospectively to expenses incurred on or after the effective date of the change and does not reduce eligibility for expenses already incurred while your membership was active and paid. Reconsideration. If Gabriel denies or reduces a reimbursement request, you may request a written reconsideration within sixty (60) days of the decision by submitting additional documentation or explanation through the available account process. Gabriel will review the request in good faith and provide a written response. This reconsideration process does not convert any discretionary benefit into a guaranteed benefit, and Gabriel's good-faith determination on reconsideration is final.
7A. Single Expenses, Monthly Caps, and Payment Over Time
A single expense is reviewed under the monthly reimbursement limit and program rules in effect for the month in which it was incurred (its date of service). A single expense, invoice, receipt, or service may not be divided, split, re-dated, or resubmitted across multiple Monthly Benefit Periods in order to draw from more than one month's pool or exceed the monthly limit that applies to its date of service. The limit that applies to an expense is the Wellness Pool available for its date of service plus any Saved Care available on that date. Any amount above that limit is not carried forward, banked, or reimbursed in a later month.
Genuinely recurring or ongoing care is treated differently from a single expense. Where a member receives care on an ongoing basis, or pays for care under a structured payment plan in which each monthly charge is a separate, real charge supported by its own dated, itemized invoice, each month's actual charge is reviewed against that month's pool in the ordinary way. Eligibility still depends on category rules, documentation, pre-approval, fair market pricing, pool health, and the other discretionary standards in this Agreement, and Gabriel may decline to treat artificially structured or re-dated charges as recurring care.
Large, high-cost, deductible, emergency, or catastrophic bills may be eligible for assistance under Section 9 rather than ordinary monthly wellness reimbursement. Under Section 9, and entirely at Gabriel's discretion, Gabriel may choose to help with such a bill over time, negotiate the bill, require insurance or other benefits to be used first, apply a member cost-share, pay a provider directly, or approve all, part, or none of the request. Nothing in this Section creates any obligation to reimburse any amount above the applicable monthly limit, and all reimbursement and assistance remains discretionary as described in this Agreement.
Episodes of Care. Where care is furnished as a bundled program, package, or global fee covering a course of care that spans multiple Monthly Benefit Periods, for example pregnancy, birth, and postpartum care; surgical preparation and recovery; fertility treatment; or an extended treatment series, Gabriel may treat the package as a single Episode of Care. An Episode of Care requires pre-approval before services begin. In the written pre-approval, Gabriel may establish a total allowed amount for the episode based on fair market value and allocate that amount across the Monthly Benefit Periods in which care is furnished, beginning no earlier than membership activation. Each period's allocated amount is reviewed against that period's available Wellness Pool and reimbursed at the applicable network reimbursement rate. Deposits, installments, prepayments, and financing schedules for a single package do not create separate expenses and do not change the allocation. Care furnished before membership activation is not allocated and is not reimbursed. A prepaid package of sessions used one at a time is handled under "Prepaid packages and session plans" below, not as an Episode of Care.
Episode maximum. Unless the active Benefits Schedule or a written pre-approval expressly states otherwise, the amount Gabriel reimburses for an Episode of Care in any Monthly Benefit Period is the lowest of: (a) the applicable network reimbursement rate applied to that period's allocated amount; (b) the pool amount plus any available Saved Care, where the pool amount is the lesser of that period's available Wellness Pool and the amount remaining under the episode maximum, which is three (3) times the membership's base monthly Wellness Pool per episode, using the shared household pool for family memberships and excluding wearable and other engagement bonuses, measured after the reimbursement rate is applied; and (c) the amount remaining under the fees-paid ceiling, under which cumulative Episode of Care reimbursements across a membership, including amounts paid from Saved Care, will not exceed cumulative Membership Fees actually paid to date. The episode maximum limits only the part paid from the monthly Wellness Pool. Saved Care may be used above it. "Membership Fees" means all recurring fees actually paid for the membership, including the household base fee and added-life adders, and excluding promotional credits and one-time discounts. Episode allocations are payable only for Monthly Benefit Periods in which the membership is active and paid. If the membership ends, unallocated and future episode amounts are forfeited; amounts already reimbursed are not recouped for cancellation alone; and expenses for care furnished while the membership was active and paid may be submitted only within the period Section 21 allows.
Prepaid packages and session plans. When you prepay a provider for a set of sessions, visits, or credits that you use one at a time (for example, a 10-session hyperbaric pack, an IV add-on bundle, or a chiropractic care plan), pre-approval is not required. Gabriel treats the prepayment as a package, not as a single expense. Each session is a separate expense on the date you actually use it, reviewed against the Wellness Pool and Saved Care available on that date at the applicable network reimbursement rate. This is not a division or re-dating of a single expense under this Section. To be reimbursed, submit the receipt for the package and the provider's record of sessions used, such as a superbill, visit statement, or credits-used record showing your name and the date of each session. Each session's amount is its share of the price you actually paid for the package, after discounts. Total reimbursement for a package will not exceed the applicable network reimbursement rate applied to the amount you actually paid, and each session may be reimbursed only once. Gabriel does not reimburse unused sessions, or sessions used: after the package expires under the provider's terms (or, if the provider sets no expiration, more than twelve (12) months after purchase); after the package is refunded or cancelled; by anyone other than you or a covered member of your household; or while your membership is not active and paid. A package is an Episode of Care only if Gabriel and you agree to treat it as one in a written pre-approval.
7B. Saved Care
(a) How Saved Care builds. At the end of each Monthly Benefit Period in which your Emerald, Sapphire, or Onyx membership is active and paid, Gabriel adds part of your unused base monthly Wellness Pool to Saved Care. The current rate is twenty percent (20%) for every tier (Emerald, Sapphire, and Onyx). The unused base amount is the base monthly Wellness Pool for that period (for a Family Membership, the shared household pool: the Pool Base plus each Pool Adder) minus the base amount used in that period.
(b) What does not count. Wearable engagement bonuses, welcome credits, and any other bonus, credit, or promotional amount never count toward the amount added under paragraph (a) and do not carry forward. A referral reward paid as wellness credits is added to Saved Care only as paragraph (o) describes; otherwise it does not carry forward.
(c) Order of use. Each approved reimbursement or direct benefit payment is applied first to any bonuses and credits available in that Monthly Benefit Period, then to that period's base Wellness Pool, and then to Saved Care.
(d) No maximum. Saved Care has no maximum while your membership stays active and in good standing.
(e) Same rules. Saved Care may be used only for eligible expenses, under the same rules as your monthly Wellness Pool: reimbursement rates, fair-market-value review, pre-approval, documentation, and every other program rule. The one difference: Saved Care may be used above the Episode of Care maximum in Section 7A, while the fees-paid ceiling there still applies. Saved Care does not change how much of an expense Gabriel reimburses. It only adds to the amount available.
(f) Households. A Family Membership has one Saved Care balance, shared by all enrolled household members. If a dependent is removed, the Saved Care balance stays with the membership.
(g) Plan changes. If you change tiers, your Saved Care balance stays the same. The amount added at the end of each Monthly Benefit Period uses the base pool and rate of the tier in effect for that period.
(h) When Saved Care ends. Saved Care ends when your membership ends for any reason, including cancellation, nonpayment, or termination, or when you move to a membership that does not include a Wellness Pool. You may use your Saved Care balance for eligible expenses with a date of service on or before your membership end date, in requests submitted within the period Section 21 allows. Nothing is added to Saved Care after the end date. Saved Care is never paid out, refunded, or credited toward membership fees. If you rejoin later, you start with no Saved Care.
(i) Failed payments. If a membership payment fails, your Saved Care is held and is not reduced while the payment is retried. Saved Care for a Monthly Benefit Period is added only after that period's membership fee is paid. If a failed payment is later paid, that period's Saved Care is added then. While benefits are suspended under Section 21, Saved Care cannot be used. If the membership ends for nonpayment, Saved Care ends under paragraph (h).
(j) Rate changes. Gabriel may change the Saved Care rates for future Monthly Benefit Periods with at least thirty (30) days' notice. A rate change never reduces Saved Care already added to your balance. This paragraph applies instead of the shorter notice periods in Sections 6, 22, and 23 for Saved Care rates.
(k) Corrections. Gabriel may adjust Saved Care to correct an error; when a reimbursement is reversed, refunded, or recouped; for fraud, misuse, or ineligibility under Section 10; or when an expense from a Monthly Benefit Period that has already ended is approved later, which reduces what that period added to Saved Care. Except for these corrections, Gabriel will not reduce Saved Care already added to your balance while your membership is active.
(l) Start. Saved Care begins with the first Monthly Benefit Period that ends on or after October 7, 2026. Periods that ended before that date do not add Saved Care. For a membership that began with a Flex Balance Build, Saved Care begins at the end of Period 4, its first ordinary Monthly Benefit Period. Unused Balance Build amounts still expire at the start of Period 4.
(m) What Saved Care is not. Saved Care is part of Gabriel's internal reimbursement limit. It is not cash, stored value, a deposit, an account, an insurance benefit, or property of the member. It earns no interest and cannot be transferred, sold, assigned, borrowed against, cashed out, or used to pay membership fees.
(n) Who has Saved Care. This Section 7B applies to Emerald, Sapphire, and Onyx individual and Family Memberships. For Teams memberships, Saved Care is held at the group level under the Teams terms in Section 6, Exhibit D, and the Teams Supplement, not under this Section 7B. Where the Teams Supplement or a sponsor agreement refers to a sponsor group's Care Reserve, it means that group's Teams Saved Care.
(o) Referral rewards. When you earn a referral reward as wellness credits under the Referral & Affiliate Terms, Gabriel adds it to your Saved Care instead of your monthly Wellness Pool if this Section 7B applies to your membership and your Saved Care has started under paragraph (l). Once added, it is Saved Care under this Section 7B, including paragraph (h). Referral rewards do not change the percentages in paragraph (a). Gabriel may remove a referral reward from Saved Care if the referral is later found ineligible under the Referral & Affiliate Terms.
8. Eligible Categories
Gabriel Care focuses on integrative, functional, naturopathic, and holistic health and wellness: the practitioners, services, diagnostics, and protocols that conventional insurance typically does not cover. Reimbursement categories are:
Body Care: chiropractor visits, massage, acupuncture, stretching, and other bodywork.
Fitness & Movement: gym memberships, fitness and studio memberships, personal training, and recurring movement or exercise programs, subject to the monthly proof-of-payment and recurring-charge documentation requirements in Section 8.
Diagnostics & Doctors: lab testing, panels, imaging and scans, and other diagnostics; integrative, functional, naturopathic, and holistic medicine practitioners (including naturopathic doctors, functional medicine providers, and integrative or holistic physicians), and nurse practitioners and physician assistants practicing in these areas; biological and holistic dentistry; and urgent, specialist, and other care and treatments eligible under your Benefits Schedule.
Pregnancy, Birth & Postpartum Care: prenatal, childbirth, postpartum, and lactation care furnished by licensed midwives, certified nurse-midwives, and other licensed maternity practitioners; by licensed or accredited birth centers; and by doulas and midwife assistants holding certification or training recognized under applicable state requirements or otherwise approved by Gabriel; and related maternity wellness services eligible under your Benefits Schedule. Eligible pregnancy, birth, and postpartum expenses are ordinary wellness reimbursements, are ordinarily handled as an Episode of Care under Section 7A, and remain subject to provider verification, scope of practice, documentation, fair market value review, network reimbursement rates, pre-approval, and all other program rules. Planned childbirth remains outside deductible, emergency, and catastrophic assistance under Section 9.
Therapeutic & Postpartum Meals: meal programs from Gabriel Network meal partners, in two cases only: (a) postpartum meals for up to 8 weeks after a birth, and (b) clinician-directed meal plans, recommended in writing by a licensed clinician at Everdawn Health, Gabriel's clinical partner, a Gabriel Network practitioner, or another licensed clinician Gabriel approves in advance, for a specific health protocol or goal, for up to 12 weeks per recommendation. Reimbursed at 50% of eligible cost, up to $250 per Monthly Benefit Period in total for this category, and pre-approval is required. Meals from providers outside the Gabriel Network are not eligible.
Supplements: vitamins, supplements, prescription and compounded peptides where legally prescribed and dispensed, prescriptions, and other wellness, longevity, and biohacking consumables lawfully obtained by the Member. Gabriel may require an Apotheca-first or Gabriel-marketplace-first pathway when an eligible item is available through Apotheca or another Gabriel-designated marketplace. If an eligible item is not yet listed through Apotheca or a Gabriel-designated marketplace but is ordered, dispensed, or recommended through a Gabriel-approved in-network practitioner, provider, or partner pathway, Gabriel may reimburse up to 100% of the eligible cost within the applicable Supplements cap. If an eligible item is purchased off-Apotheca, outside a Gabriel-designated marketplace, or outside Gabriel's in-network/provider pathway, Gabriel may limit reimbursement to up to 50% of the eligible cost within the applicable Supplements cap. Eligibility for reimbursement of any item in this category is determined by Gabriel in its discretion under the applicable Benefits Schedule.
Mind Care: therapy, coaching, psychiatry, breathwork, and similar mental and emotional health support.
Eligible practitioners and services are those licensed or certified in their field and approved under your then-current Benefits Schedule. Gabriel may determine practitioner and service eligibility based on licensure, scope of practice, applicable law, and program rules. Reimbursement of a service does not constitute medical advice or a determination that any practitioner is your primary care physician.
These categories are administrative reimbursement categories, not guarantees that any specific modality, provider, product, treatment, protocol, or service will be covered. Gabriel may classify, reclassify, approve, deny, limit, or require pre-approval for any request based on the Benefits Schedule, documentation, legality, provider type, safety, medical or wellness relevance, fair market value, pool health, member history, and Gabriel's assessment of whether the request is likely to support the member's physical, mental, emotional, spiritual, or overall wellness.
No modality or treatment is guaranteed by Gabriel Care, even if similar modalities are mentioned in marketing, examples, coverage lists, category descriptions, sales materials, or prior reimbursement decisions. Coverage is always subject to Gabriel review and discretion under the then-current Benefits Schedule.
Eligibility may vary by state, provider type, prescription status, medical necessity, documentation, and partner availability. Gabriel may require additional review for controlled substances, peptides, psychedelics, cannabis, hormone therapies, dental biologics, stem cell services, off-label therapies, and high-cost protocols.
Recurring and Auto-Billed Expenses. For eligible expenses paid by automatic bank draft or recurring card charge, such as gym or fitness memberships, Gabriel requires (a) one-time documentation at first reimbursement establishing the membership and its recurring rate, for example a membership agreement or enrollment confirmation, and (b) monthly verification that the charge actually occurred. Acceptable monthly verification includes a provider-issued billing statement, a connected financial-account transaction record, or a dated statement line clearly identifying the merchant, date, and amount of the charge. Gabriel may reimburse only the verified recurring amount, may cap reimbursement at fair market value, and may request additional documentation.
Financial-Account Verification. To streamline verification of recurring and reimbursable expenses and to protect the program against fraud, Gabriel may offer or, on prospective notice, require members to securely connect a bank or payment account through a third-party financial-data provider. A connected account allows Gabriel to confirm that eligible recurring charges occurred without requiring monthly document uploads. Gabriel accesses only the transaction information reasonably necessary to verify eligible expenses and program integrity, as described in the Privacy Policy. Members who do not connect a financial account remain responsible for submitting acceptable monthly documentation.
9. Deductible, Emergency, and Catastrophic Assistance
Gabriel may, where allowed by the applicable Benefits Schedule, use available wellness pool resources to help members with high deductibles, emergency bills, catastrophic medical events, major accidents, surgeries, hospitalizations, serious diagnoses, or other high-cost health situations. Gabriel intends to make reasonable, good-faith efforts to support members in these situations whenever it can responsibly do so.
However, deductible assistance, emergency assistance, catastrophic assistance, medical bill assistance, or similar support is never guaranteed. Gabriel does not promise that any emergency, deductible, hospital bill, surgery, medical expense, catastrophic event, or out-of-pocket cost will be paid, reimbursed, shared, reduced, or covered. Any assistance depends on the member's Benefits Schedule, active membership status, documentation, available pool resources, reserve levels, pool health, fraud and plan-integrity review, legal and regulatory constraints, insurance-first requirements, bill review, provider pricing, timing, and Gabriel's discretionary approval.
Deductible, emergency, and catastrophic assistance is intended only for sudden, unforeseen emergency and catastrophic medical events that arise after the waiting period, such as an unexpected accident, emergency room visit, unplanned surgery, or acute serious diagnosis. It is not available for, and Gabriel does not intend to provide assistance toward, elective, planned, scheduled, routine, or foreseeable procedures or care, including any procedure, condition, treatment, or course of care that was known, recommended, scheduled, or reasonably foreseeable at or before enrollment or during the waiting period. This includes, by way of example, planned surgeries, elective procedures, and planned childbirth. Gabriel retains the full discretion described in this Section and may decline assistance for any request; nothing in this paragraph creates any obligation to provide assistance even for a qualifying unforeseen event.
Gabriel may approve all, part, or none of a high-cost request. Gabriel may also negotiate bills, require insurance or other benefits to be used first, request additional documentation, impose caps, apply waiting periods, apply member cost-share requirements, delay payment, pay providers directly where appropriate, reimburse members after review, or deny assistance.
A ninety (90) day continuous-membership waiting period applies before a member becomes eligible for deductible, emergency, or catastrophic assistance, except where a shorter period is required by law or expressly stated in the active Benefits Schedule.
Gabriel Care is not a substitute for emergency services or comprehensive health insurance. In an emergency, members should call 911 or seek emergency medical care immediately.
10. Waiting Periods, Pre-Approval, and Fraud Controls
Your Benefits Schedule may include waiting periods before some categories become eligible. Gabriel may require pre-approval before reimbursing expenses above a threshold, categories with higher regulatory risk, or services that are unusual, bundled, recurring, experimental, or high cost.
High-risk categories may require extra review, documentation, licensed-provider involvement, legal-status verification, prescription verification, medical necessity support, or pre-approval. High-risk categories may include peptides, cannabis, ketamine, psychedelic-assisted services, hormones, testosterone, compounded medications, controlled substances, stem cell services, regenerative medicine, dental biologics, off-label therapies, imported products, and other categories Gabriel identifies as high-risk.
Gabriel may use AI review, human review, third-party data, pricing databases, provider verification, and fraud controls to assess a request. You agree not to submit false, altered, duplicate, misleading, backdated, inflated, or non-member expenses.
Knowing and material fraud or intentional misuse will result in denial of the request, recoupment of any amounts already paid, suspension or termination of membership, a ban from Gabriel Care and other Gabriel products and services, forfeiture of any prepaid membership fees, and referral to law enforcement, state regulators, or other authorities where Gabriel determines reporting is appropriate or required. These consequences apply to conduct that is knowing, intentional, and material. An honest, good-faith mistake, a typographical or clerical error, or an incomplete submission is not fraud; Gabriel will treat such matters as a correctable documentation issue and, before imposing termination, recoupment, or a ban for alleged fraud, will provide the member written notice describing the concern and a reasonable opportunity (no less than ten (10) days) to respond, correct, or provide additional documentation, except where Gabriel reasonably believes immediate action is required to prevent ongoing harm, comply with law, or respond to clearly intentional fraud. Recoupment and denial of the specific request at issue may occur pending that response. Examples of fraud include submitting fake, altered, duplicated, inflated, backdated, or misleading receipts, invoices, prescriptions, or supporting documentation; submitting expenses that were not actually incurred by the member; submitting expenses for non-members; colluding with a provider, vendor, or third party to manipulate pricing or documentation; misrepresenting the nature, category, date, or purpose of an expense; or any other act intended to obtain reimbursement, deductible assistance, or catastrophic assistance the member is not entitled to receive.
11. Pre-Existing Conditions and Eligible Use of Wellness Benefits
Gabriel Care does not exclude members, deny membership, or restrict wellness benefits based on pre-existing health conditions, current diagnoses, prior diagnoses, family history, disability status, or expected future care needs. Members living with cancer, autoimmune conditions, chronic illness, mental health conditions, neurological conditions, metabolic conditions, or any other pre-existing or active condition are eligible to join Gabriel Care and use their full monthly wellness benefits on the same terms as any other member.
Wellness benefits may be used toward any service, product, or modality that falls within an eligible category in the active Benefits Schedule, regardless of the underlying condition the member is using the benefit to support. For example, a member may apply wellness benefits toward IV therapy, supplements, integrative consultations, acupuncture, bodywork, peptide protocols where legal, or other eligible categories, whether they are using the benefit for general wellness, complementary support during cancer treatment, autoimmune management, mental health support, or any other personal health goal.
Gabriel does not determine which conditions a member is allowed to address with their wellness benefits, and does not require members to disclose a diagnosis to use their benefits. Reimbursement decisions are based on category eligibility, documentation, pre-approval rules, fair market pricing, plan-integrity review, and the discretionary standards in this Agreement, not on the member's underlying condition.
The pre-existing condition protections in this section apply to wellness reimbursement. They do not create any guaranteed right to deductible, emergency, or catastrophic assistance, which remain discretionary as described in Section 9 and the Benefits Schedule.
12. Age-Neutral Membership and Coordination with Medicare
Gabriel Care membership pricing and benefits are age-neutral for adults. Every adult, including members age 50 through 64 and members age 65 or older, may select Emerald, Sapphire, or Onyx at the standard price for that tier. Every adult in the same tier receives the same published Wellness Pool, wearable engagement bonus, Balance Build, and other tier benefits. Gabriel does not apply an age-based fee or pool multiplier and does not offer a separately priced Senior tier.
Members who are age 65 or older, or who are eligible for Medicare, may receive optional Senior and Medicare coordination as a service overlay. This overlay may include help understanding, selecting, enrolling in, and using Medicare-related coverage and coordinating Gabriel Care services with that coverage. It does not change the selected Emerald, Sapphire, or Onyx tier's price, pool, wearable bonus, Balance Build, or other published benefits.
Medicare-eligible members are invited, on a fully voluntary basis, to appoint Gabriel Labs LLC, acting through its licensed insurance agency operations, as Agent of Record on the member's Medicare Advantage, Medicare Supplement (Medigap), or other Medicare-related coverage. This appointment is optional, is not a condition of membership or of receiving any Gabriel Care benefit, and may be made or revoked at any time in accordance with applicable Medicare and carrier rules. Whether or not a member appoints Gabriel, the member's Monthly Fee and benefits are the same.
Gabriel Care is not Medicare, Medicare Advantage, Medicare Supplement insurance, Medicare Part D, health insurance, or a substitute for any such coverage. Gabriel Care does not replace, satisfy, or eliminate a member's need for Medicare or other health coverage and does not guarantee payment of Medicare-covered or other medical expenses. Members remain responsible for enrolling in and maintaining the Medicare or other health coverage they choose to hold.
13. Insurance-First and Third-Party Benefits
Gabriel may help you understand, optimize, or use existing insurance, HSA/FSA, employer benefits, wellness benefits, or third-party programs. If an expense may be covered by insurance or another benefit, Gabriel may require you to use that coverage first or provide documentation showing coverage was denied, unavailable, or impractical.
If Gabriel helps you enroll in, compare, or use insurance or third-party products, those products are governed by separate contracts, carrier documents, policy terms, provider terms, and legal requirements. Gabriel is not responsible for carrier decisions, provider decisions, network status, plan exclusions, claim denials, premium changes, or third-party service failures.
15. Family Memberships
This section governs household and family memberships. Where this section conflicts with another section of the Agreement, this section controls for family memberships.
Eligibility and Composition
A family membership covers a Primary Member, an optional Adult Dependent (spouse, domestic partner, or other adult listed at enrollment), and any Child Dependents under age 21 listed at enrollment. Child Dependents who reach age 21 transition to Adult Dependent status at the next renewal anniversary. Only persons listed on the active Enrollment Record and accepted by Gabriel are eligible for benefits under a family membership. Gabriel may decline to enroll any proposed dependent for eligibility, documentation, fraud, plan-integrity, or operational reasons. Child Dependents who are age 18, 19, or 20 are legal adults. Each such dependent must individually accept this Agreement and provide his or her own privacy, HIPAA, communications, and data-processing authorizations before receiving benefits, and the Primary Member represents that he or she has the authority to list that dependent and to facilitate those authorizations. Gabriel communicates with and shares the individual health information of an adult dependent (including any dependent age 18 or over) directly with that dependent, and not with the Primary Member, except to the extent the adult dependent has authorized otherwise in writing.
Pricing Structure
Family pricing is composed of a Household Base fee for the Primary Member and an Added-Life Adder for an Adult Dependent or each of the first two Child Dependents under age 21. Additional Child Dependents beyond the first two are added at no premium. Pricing scales by tier per the Family Pricing and Pool Schedule in Exhibit A and does not change based on the age of the Primary Member or any Adult Dependent.
Shared Wellness Pool
The family membership includes one shared monthly wellness reimbursement pool. The pool consists of the tier's Pool Base plus a Pool Adder for each paid Added-Life Adder, including each enrolled Adult Dependent and each of the first two enrolled Child Dependents under age 21. Additional Child Dependents do not increase the pool but may receive eligible reimbursements from the existing family pool, subject to all program rules.
The shared pool is a single discretionary review limit accessible by enrolled household members for eligible expenses incurred on their behalf, subject to pre-approval rules, documentation requirements, and all other terms of this Agreement. The shared pool is not a cash account, member-owned balance, escrow, trust, insurance benefit, stored value, or vested right.
The family membership has one Saved Care balance under Section 7B, shared by all enrolled household members.
Per-Person Services
Each enrolled household member receives, subject to all program rules and the applicable Benefits Schedule: the ability to submit personal eligible expenses against the shared pool; a personal Gabriel account and login; personal scheduling priority where applicable; and personalized protocols where included by the Benefits Schedule. A Family Membership includes one wearable engagement bonus tied to the paid household membership account. Added dependents do not receive separate wearable engagement bonuses unless they separately purchase their own Individual Membership.
Family Flex Balance Build, Full Access, and Three-Month Start
A family membership selecting Flex receives the additive Balance Build described in Exhibit A-3 on the full shared household pool. Unused Balance Build amounts carry only through Period 3 and expire when the ordinary monthly full-pool reset begins in Period 4. A family membership selecting Full Access prepays three monthly membership fees and receives the full shared household pool in each of the first three monthly periods, with no Balance Build. Saved Care applies under Section 7B. A family membership selecting Three-Month Start receives the full shared household pool in each Monthly Benefit Period beginning with Period 1, is billed monthly, and carries the three-period minimum term described in Exhibit A-3 and Section 21.
A new Adult Dependent or Child Dependent added to an existing Flex family membership receives the Balance Build for that dependent's incremental pool contribution; the existing household pool remains unchanged. Members who cancel and re-enroll within twelve months restart the selected enrollment arrangement on the entire family pool. Renewing memberships in continuous good standing are not subject to a new Balance Build. Tier upgrades or downgrades mid-term apply the new tier's pool at the current period stage.
Adding and Removing Dependents
Dependents may be added or removed at qualifying events defined by Gabriel from time to time, which may include enrollment, annual renewal, marriage, divorce, birth, adoption, legal separation, death, loss of qualifying status, age-out at twenty-one, or other events Gabriel designates. Mid-term additions take effect on a billing date determined by Gabriel and are subject to the selected membership option's dependent Balance Build or Full Access terms. Mid-term removals take effect at the end of the then-current billing period and Gabriel does not refund any premium for removed dependents except as required by law or expressly stated in this Agreement.
Spending and Allocation
There is no fixed per-person or per-category dollar limit within the shared family pool, except the Therapeutic & Postpartum Meals limit in Section 8. All eligible spending draws from and is bound by the single shared household pool ceiling. Gabriel may apply pre-approval thresholds, anti-abuse limits, fair-market-value review, and other plan-integrity controls. Gabriel reserves the right to introduce prospective, published per-person or per-category limits for a tier, sponsor group, geography, family structure, or other objectively defined eligibility class under this Agreement's notice provisions. Reimbursement requests must be incurred by an enrolled household member during the active benefit period.
Termination and Lapse Effects on the Family
Cancellation or non-payment by the Primary Member terminates the entire family membership. Death, divorce, or legal separation of the Primary Member does not automatically terminate the family membership; surviving enrolled members may elect to continue at a recalculated tier and pool consistent with the remaining household composition, subject to Gabriel's reasonable processes. When the family membership ends, its Saved Care ends under Section 7B(h). If surviving enrolled members continue the membership, the Saved Care balance continues with it.
Family Memberships and Insurance Services
A family membership costs the same, and carries the same benefits, whether or not Gabriel provides insurance enrollment, plan brokerage, or Agent of Record services to any household member. No surcharge applies to any covered life. A family membership that does not receive those services is subject to the same family eligibility, composition, and ramp rules in this section and to the eligibility limits and acknowledgment in Section 16.
16. Insurance Services Are Optional
Gabriel's insurance services, including insurance enrollment, plan brokerage, and acting as Agent of Record on a member's health plan, are optional. A Member may choose them at any time, or not at all. They are not a condition of membership or of any benefit, they are not a step in enrollment, and they do not change the Monthly Fee, Added-Life Adders, Monthly Wellness Cap, Clinical Care Component, or any other benefit.
Earlier versions of this Agreement added a monthly surcharge for each covered life age eighteen (18) or older when Gabriel was not the Agent of Record. That surcharge is discontinued. It is not charged on any new membership, and on an existing membership it ends no later than the first billing period that begins after this version takes effect.
Memberships that do not receive insurance services through Gabriel are available to adults regardless of age, including Medicare-eligible members. They are not available to prospective members who are currently uninsured and have a known major active medical condition for which they have not enrolled in qualifying coverage. Gabriel may require evidence of insurance coverage or a documented refusal of insurance enrollment before activating such a membership.
A Member who does not receive insurance services through Gabriel acknowledges that Gabriel Care is not insurance, Medicare, Medicare Advantage, Medicare Supplement insurance, or Medicare Part D; does not replace Medicare or other health coverage; will not cover catastrophic medical expenses except as expressly provided in the Benefits Schedule and Section 9; and that the Member is solely responsible for arranging and maintaining any Medicare or other health insurance coverage they wish to hold. Gabriel may ask the Member to confirm this acknowledgment again at renewal.
16A. Clinical Care Component; Direct-Care-Style Services; Tax Treatment
(a) Two components of your fee. Your monthly Gabriel Care fee consists of two parts, identified separately on your Benefits Schedule and on your monthly member statement: (1) the "Clinical Care Component," a fixed recurring amount that purchases ongoing access to clinical and medical-care services furnished by licensed Third-Party Providers arranged through Gabriel, which may include telehealth consultations, clinical visits, ordering and clinical review of laboratory tests and diagnostics, health screenings (including biometric and optical blood screening where offered), and prescription management and coordination with licensed clinicians; and (2) the "Wellness & Concierge Component," the remaining amount, which covers non-clinical health navigation, concierge coordination, wellness reimbursement administration, member support, and technology and application access.
(b) Direct-care-style arrangement; not insurance. The Clinical Care Component is structured as a recurring, periodic fee paid in exchange for access to defined clinical and medical-care services, similar to a direct primary care or direct-care arrangement. The Clinical Care Component is not insurance, is not a health plan, does not indemnify you against or pay your medical claims, and does not assume financial risk for the cost of your care. It purchases access to services, not coverage of expenses. As described in Section 5, Gabriel itself does not practice medicine; clinical services are furnished by independent licensed providers.
(c) Intended characterization as medical care. Gabriel intends and represents that the Clinical Care Component is paid for medical care within the meaning of Section 213(d) of the Internal Revenue Code (amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting a structure or function of the body). The Wellness & Concierge Component is not represented as medical care under Section 213(d) and is not intended to be reimbursable as a qualified medical expense.
(d) Statements and substantiation. On request, and as a standard monthly practice for members who need it, Gabriel will provide an itemized statement that separately states the Clinical Care Component and the Wellness & Concierge Component and reflects the period of service. You may use this statement to support reimbursement of the Clinical Care Component through an individual coverage health reimbursement arrangement (ICHRA), qualified small employer health reimbursement arrangement (QSEHRA), other health reimbursement arrangement, or other account, subject to the rules of that arrangement and applicable law.
(e) HRA and ICHRA reimbursement is determined by your plan and your advisors, not by Gabriel. Whether any portion of your fee is actually reimbursable, deductible, or eligible under any HRA, ICHRA, QSEHRA, HSA, FSA, employer arrangement, or tax filing is determined by the terms of that arrangement, the plan administrator, and applicable law, and not by this Agreement and not by Gabriel. Gabriel does not administer your HRA or ICHRA, does not guarantee any tax treatment or reimbursement outcome, and is not your plan administrator, CPA, tax advisor, or benefits attorney. Eligibility rules, substantiation requirements, owner-versus-employee eligibility, and affordability and subsidy interactions are your responsibility and your advisors' responsibility.
(f) No tax advice; consult a professional. Consistent with Sections 7 and 22, Gabriel does not provide tax, legal, or accounting advice. The information Gabriel provides regarding Section 213(d) and the Clinical Care Component is general information based on publicly available sources and is not tax or legal advice. You and any sponsor should consult your own qualified certified public accountant (CPA), tax advisor, and/or ERISA or employee-benefits attorney to confirm eligibility before treating any portion of the fee as a qualified medical expense, before reimbursing it through an HRA or ICHRA, or before claiming any deduction. Gabriel assumes no liability for the tax treatment of any payment.
(g) Allocation may change. The dollar allocation between the Clinical Care Component and the Wellness & Concierge Component is set in your then-current Benefits Schedule and may be updated under Section 23. Gabriel will reflect the current allocation on your statements.
17. Employer-Sponsored Memberships
If your employer or sponsor pays for or subsidizes your membership, Gabriel may share limited eligibility, enrollment, utilization, billing, and operational information with the sponsor as allowed by law and our Privacy Policy. Gabriel will not share individual health details with a sponsor unless authorized by you, required for plan administration under an applicable legal framework, or otherwise permitted by law.
Your employer or sponsor may set eligibility rules, contribution amounts, termination dates, or sponsor-specific benefit rules. If sponsor coverage ends, you may lose access or may be offered an individual continuation option where available.
Sponsor-specific benefits may differ from individual membership benefits or from benefits offered to other sponsor groups. Gabriel may adjust, reduce, expand, pause, or discontinue sponsor-specific benefits based on the sponsor agreement, group utilization, pool health, payment status, eligibility files, regulatory concerns, operational constraints, or financial sustainability. A sponsor's payment for membership does not guarantee that any specific reimbursement request will be approved.
18. Privacy, Health Information, and Communications
Gabriel collects and uses personal information, health information, payment information, communications, device data, wearable data, receipts, claims documents, insurance documents, provider information, and other information as described in the Privacy Policy and any additional authorizations you sign.
You authorize Gabriel to contact you by email, SMS, phone, in-app messages, push notification, and other channels for account, benefits, care coordination, reimbursement, security, and support purposes. You may opt out of marketing communications where legally required, but operational messages may still be necessary to provide services.
Phone calls with Gabriel or Gabriel's voice agents may be recorded, transcribed, analyzed, and stored for quality, compliance, booking, reimbursement, and operational purposes, subject to applicable law and consent requirements.
19. Member Responsibilities
You agree to:
Provide accurate, complete, and current information.
Keep your login credentials secure.
Use Gabriel Care only for lawful purposes.
Review AI outputs and Gabriel recommendations before acting.
Confirm provider instructions and medical decisions with licensed professionals.
Submit only truthful, accurate, and complete reimbursement requests.
Promptly respond to requests for documentation or clarification.
Tell Gabriel if you receive third-party payment, insurance reimbursement, refund, reversal, discount, or credit for an expense Gabriel reimbursed.
Repay any reimbursement made in error, by fraud, or for an expense later refunded or covered elsewhere.
20. Exclusions
Unless expressly included in your Benefits Schedule or approved by Gabriel in writing, Gabriel Care does not cover or reimburse:
Emergency services, hospital bills, surgery, inpatient care, or catastrophic claims.
Expenses incurred before membership activation or after termination.
Expenses for non-members.
Illegal products or services.
Fraudulent, duplicate, altered, backdated, inflated, or misleading receipts, invoices, prescriptions, or supporting documentation. Submission of any such item is grounds for immediate termination, permanent ban from Gabriel Care and all current and future Gabriel Labs products and services, recoupment, forfeiture of prepaid fees, and referral to law enforcement or regulators as described in Section 10.
General food, groceries, restaurant and takeout meals, meal kits, snacks, beverages, alcohol, tobacco, recreational drugs, entertainment, clothing, cosmetics, travel, lodging, missed appointment fees, tips, taxes, shipping, and subscriptions, unless expressly included (see Therapeutic & Postpartum Meals). Gym and fitness memberships and other recurring or auto-billed memberships are reimbursable only when expressly included as an eligible category (for example, Fitness & Movement) and supported by the recurring-charge documentation described in Section 8.
Services primarily for aesthetic, recreational, or non-health purposes.
Provider charges above fair market value, unless pre-approved.
Expenses already paid, reimbursed, refunded, credited, or covered by another source.
Products or services Gabriel determines present unacceptable legal, safety, fraud, or quality risk.
For members enrolled in Medicare, expenses that are covered, or that would be covered if properly submitted, by the member's Medicare Advantage, Medicare Supplement (Medigap), Medicare Part A, Part B, or Part D plan, except where Gabriel Care wellness benefits are used to supplement an out-of-pocket expense the member has chosen to pursue outside of Medicare (such as integrative care, IV therapy, peptide protocols where legal, supplements, advanced diagnostics, or other eligible wellness categories not covered by Medicare).
21. Payments, Billing, Cancellation, and Nonpayment
Membership fees are billed monthly in advance unless your enrollment or sponsor agreement says otherwise. By enrolling, you authorize Gabriel or its payment processor to charge your selected payment method for membership fees and other authorized charges.
You may cancel your membership through the available account process or by contacting support. Unless a different cancellation policy is shown at enrollment, cancellation takes effect at the end of the current billing period and partial-month refunds are not provided. Memberships enrolled under the Three-Month Start arrangement described in Exhibit A-3 carry a minimum term of three Monthly Benefit Periods. You may request cancellation at any time, and it takes effect at the end of the third Monthly Benefit Period or at the end of the then-current billing period, whichever is later, with membership fees billed monthly through that date.
If payment fails, Gabriel may suspend benefits, pause reimbursement processing, downgrade access, or terminate membership after reasonable notice where required. Reimbursement eligibility generally requires an active, paid membership on the date of service and date of submission unless Gabriel approves otherwise in writing.
Cancellation, suspension, nonpayment, sponsor termination, chargeback, refund, payment dispute, suspected fraud, or account review may pause or end eligibility for pending and future reimbursement requests. Gabriel may offset approved or future reimbursement amounts against unpaid membership fees, chargebacks, reversed payments, duplicate reimbursements, mistaken payments, or amounts owed to Gabriel where permitted by law.
Requests after your membership ends. Reimbursement requests must be submitted on or before your membership end date. When you cancel, your membership end date is the date your cancellation takes effect under this Section, and until then you can keep using your benefits and submitting requests. After your membership end date, no new reimbursement requests can be submitted, including requests for care you received while your membership was active and paid; expenses not submitted by that date are waived; and any unused Wellness Pool and Saved Care end. Requests submitted on or before your membership end date are reviewed under the same rules that applied on the date of service. Expenses incurred after your membership end date are not eligible. For memberships that began before this version of the Agreement was published, this paragraph applies only when the membership end date is on or after December 15, 2026. If such a membership ends before then, it keeps the sixty (60) day claim run-out period of the prior version, which does not apply after termination for knowing and material fraud.
22. Suspension, Termination, and Disclaimers
Gabriel may suspend or terminate your membership or benefits if you violate this Agreement, fail to pay, misuse benefits, submit fraudulent requests, threaten staff or members, create legal or safety risk, or use the service in a way that harms Gabriel, other members, providers, sponsors, or partners.
Gabriel may modify services, features, benefits, providers, categories, limits, and review rules as the program evolves, subject to notice obligations required by law or this Agreement.
Gabriel may also pause, limit, or terminate a category, benefit, provider pathway, reimbursement method, deductible assistance feature, catastrophic assistance feature, sponsor benefit, geography, or program feature when Gabriel determines that doing so is necessary or appropriate for pool health, reserve protection, fraud control, safety, legal compliance, regulatory risk, payment risk, provider availability, operational feasibility, or financial sustainability.
Gabriel Care is provided on an "as is" and "as available" basis. Gabriel does not guarantee uninterrupted access, reimbursement approval, provider availability, medical outcomes, insurance outcomes, claim outcomes, tax treatment, HSA/FSA eligibility, or third-party performance. The Clinical Care Component described in Section 16A is intended to be paid for medical care, but Gabriel does not guarantee its treatment under any HRA, ICHRA, HSA, FSA, employer arrangement, or tax provision; confirm any tax treatment with your own qualified tax professional.
Gabriel does not guarantee that any specific expense will be reimbursed unless Gabriel has issued a written pre-approval that expressly identifies the expense, amount, date, member, and conditions.
Gabriel does not guarantee that any benefit, reimbursement limit, provider pathway, deductible assistance feature, catastrophic assistance feature, or reimbursement speed will remain available, unchanged, or available at a particular amount. Program features may change as described in this Agreement and the Benefits Schedule.
To the maximum extent permitted by law, Gabriel and its officers, employees, contractors, affiliates, partners, and agents are not liable for indirect, incidental, consequential, special, exemplary, punitive, lost profit, lost data, lost opportunity, personal injury, medical outcome, provider, insurer, carrier, employer, sponsor, or third-party damages arising out of or relating to Gabriel Care.
To the maximum extent permitted by law, Gabriel's total liability for any claim arising out of this Agreement or Gabriel Care will not exceed the membership fees you personally paid to Gabriel during the twelve (12) months before the event giving rise to the claim, or $500 if you did not personally pay membership fees.
Nothing in this Agreement limits or excludes Gabriel's liability for: (a) gross negligence, willful misconduct, or fraud by Gabriel; (b) death or bodily injury to the extent directly caused by Gabriel's own acts or omissions; (c) violations of privacy or data-security obligations to the extent caused by Gabriel; or (d) any liability that cannot be limited or excluded under applicable law. The limitations in this section apply only to the maximum extent permitted by law and do not affect non-waivable statutory rights you may have.
Some jurisdictions do not allow certain limitations, so some limitations may not apply to you.
23. Dispute Resolution, Governing Law, and Updates
Informal Resolution
Before filing any claim, you agree to contact Gabriel at support@askgabriel.com and attempt to resolve the dispute informally. If the dispute is not resolved within thirty (30) days, either party may proceed as allowed by this Agreement.
Binding Individual Arbitration; Class Action Waiver
Any dispute arising out of or relating to this Agreement or Gabriel Care will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The seat of arbitration will be Las Vegas, Nevada, and arbitration may be conducted by video conference, telephone, or in person at the arbitrator's discretion. The arbitrator's decision is final and binding except as required by applicable law.
Class actions, class arbitrations, collective actions, and representative actions are waived to the maximum extent permitted by law. You and Gabriel each agree to bring any dispute only in an individual capacity and not as a class member, named plaintiff, or representative of any other person.
This arbitration agreement does not prevent either party from seeking injunctive or equitable relief in court for intellectual property infringement, misuse of confidential information, or violations of fraud or unauthorized-access laws, or from bringing a claim in small claims court if eligible.
Governing Law
This Agreement is governed by the laws of the State of Nevada, without regard to its conflict of law rules, except where applicable consumer protection law of your state requires a different law.
Updates to this Agreement
Gabriel may update this Agreement, the Benefits Schedule, the Terms of Service, the Privacy Policy, and any related policies, consents, or exhibits from time to time. Updates may be made to reflect new features, pricing changes, benefit changes, legal or regulatory requirements, fraud or safety controls, dispute resolution mechanics, pool health, operational realities, or any other business reason Gabriel determines appropriate.
Gabriel distinguishes between non-material and material updates. Non-material updates, including typographical corrections, formatting changes, contact information updates, internal references, and clarifications that do not reduce member rights or increase member obligations, may take effect immediately on posting without individual notice. Material updates, including changes to pricing, monthly reimbursement limits, eligible categories, fraud and termination rules, dispute resolution, arbitration or class action terms, governing law, privacy or data use, or any change that meaningfully reduces member rights or increases member obligations, will be communicated at least thirty (30) days before the effective date, except where a shorter period is required by law, fraud prevention, safety, regulatory compliance, payment risk, or plan integrity. The minimum thirty (30) day notice period does not apply to Benefits Schedule adjustments made under Gabriel's pool-health, reserve, fraud, safety, regulatory, or sustainability rights described in Sections 6, 8, 9, and 22, which may take effect on the schedule stated in those sections.
Gabriel will provide notice of material updates by one or more of the following methods: email to the member's account email address, in-product notice or banner, dashboard notification, account portal posting, or other reasonable method. For material updates, Gabriel may require members to re-accept the updated Agreement before continuing to use Gabriel Care. Re-acceptance may be required by checkbox, button click, or other electronic acceptance method at next login, next reimbursement request, next renewal, or other reasonable trigger point.
If a member does not accept a material update during the notice period or at the required re-acceptance trigger, the member may cancel their membership without penalty before the effective date of the update and will receive a pro-rated refund of any prepaid membership fees covering periods after cancellation. Continued use of Gabriel Care after the effective date of a posted update, or affirmative re-acceptance of the updated Agreement, constitutes acceptance of the updated terms.
Updates do not retroactively alter an already approved reimbursement request for a service date before the effective change date, except where required by law, fraud prevention, safety, mistake correction, payment reversal, member ineligibility, sponsor ineligibility, or plan integrity rules. Pending, future, incomplete, unapproved, or not-yet-submitted requests remain subject to the Agreement and Benefits Schedule in effect when Gabriel reviews them.
Gabriel will maintain an archive of prior versions of this Agreement. Members may request a copy of the version of the Agreement they accepted at any time by emailing support@askgabriel.com.
24. General Legal Terms
If any part of this Agreement is found unenforceable, the remaining parts will remain in effect to the maximum extent permitted by law.
Gabriel's failure to enforce any part of this Agreement is not a waiver of Gabriel's right to enforce it later.
You may not assign or transfer this Agreement or your membership without Gabriel's written consent. Gabriel may assign this Agreement in connection with a merger, acquisition, financing, sale of assets, reorganization, or transfer of the Gabriel Care business.
This Agreement, the applicable Benefits Schedule, the Terms of Service, Privacy Policy, and signed consents form the complete agreement governing your Gabriel Care membership. In the event of conflict, the order of precedence is: signed Benefits Schedule first for benefit-specific terms, then this Agreement, then the Terms of Service, then general website or marketing copy.
25. Contact
Gabriel Care LLC Email: support@askgabriel.com Address: Las Vegas, Nevada
26. Electronic Acceptance
By accepting this Agreement electronically, you agree that your electronic signature has the same legal effect as a handwritten signature under the federal E-SIGN Act, the Uniform Electronic Transactions Act as adopted in your state, and any other applicable electronic signature law.
For each acceptance event, including initial signup, re-acceptance of material updates, Benefits Schedule sign-off, and any standalone consent, Gabriel will record and retain: account ID, member name, account email, timestamp in UTC, IP address, user agent and device or browser metadata, Agreement version identifier and content hash, Benefits Schedule version identifier and content hash, related consent identifiers (such as HIPAA, SMS, AI processing, marketplace, broker, or limited power of attorney), the acceptance method used, and a unique acceptance event ID.
At the time of acceptance, Gabriel will email the member a confirmation that includes a link to the version of the Agreement, Benefits Schedule, and consents the member accepted, a PDF or downloadable copy of that version, and the acceptance event ID. Members may at any time request, download, or re-email a copy of any version of the Agreement they previously accepted by logging into their Gabriel account or emailing support@askgabriel.com.
Gabriel will retain electronic acceptance records for the longer of seven (7) years after the membership ends or any period required by applicable law. These records may be used as evidence of the member's agreement to the version of the Agreement, Benefits Schedule, and consents in effect at the time of acceptance.
Acceptance Confirmation
I have read and agree to the Gabriel Care Membership and Benefits Agreement, the applicable Benefits Schedule, the Terms of Service, the Privacy Policy, and applicable consents. I understand that Gabriel Care is not health insurance, is not emergency care, does not guarantee reimbursement, and does not provide medical advice.
Exhibit A: Benefits Schedule and Fee Allocation
Version: 2026-10-28a (private beta). This Exhibit A is the Benefits Schedule referenced throughout the Agreement, including Sections 6, 15, and 16A. The dollar amounts below are the then-current amounts and may be updated under the Agreement's change provisions. Where this Exhibit conflicts with a sponsor-specific Benefits Schedule or another Benefits Schedule applying to an objectively defined eligibility class, that schedule controls for members in that sponsor group or eligibility class.
A-1. Individual Membership Tiers (all adult ages)
For each tier: the Monthly Fee is divided into a Clinical Care Component (CCC) and a Wellness & Concierge Component (WCC) as defined in Section 16A. The CCC is the portion Gabriel intends as payment for medical care under IRC Section 213(d); the WCC is non-clinical and is not represented as a qualified medical expense. The Monthly Wellness Cap is the maximum monthly wellness reimbursement amount (the "up to" pool), not a promised or guaranteed amount.
| Tier | Monthly fee | CCC | WCC | Monthly wellness cap | Wearable bonus |
|---|---|---|---|---|---|
| Emerald | $249 | $99 | $150 | Up to $500 base; up to $600 with full bonus | Up to $100 / mo |
| Sapphire | $399 | $159 | $240 | Up to $750 base; up to $900 with full bonus | Up to $150 / mo |
| Onyx | $799 | $299 | $500 | Up to $1,500 base; up to $1,700 with full bonus | Up to $200 / mo |
Saved Care rate (Section 7B): twenty percent (20%) of the unused base Monthly Wellness Cap for every tier (Emerald, Sapphire, and Onyx), added at the end of each Monthly Benefit Period.
Deductible, emergency, and catastrophic assistance may be available across Emerald, Sapphire, and Onyx, subject to Section 9, the active Benefits Schedule, waiting periods, documentation, insurance-first requirements, plan-integrity review, pool health, reserve levels, legal limits, and Gabriel's discretionary approval. Eligibility is not conditioned on Gabriel or Gabriel Labs being the member's Agent of Record unless a member-specific or sponsor-specific Benefits Schedule expressly states otherwise.
A-1a. Wearable Engagement Bonus Amounts
The wearable engagement bonus is the discretionary Connection Bonus and Activity Bonus described in Section 6. Neither bonus is available during Period 1. A member may first receive a wearable engagement bonus in Period 2, whether enrolled in Flex, Full Access, or Three-Month Start, and only if all connection, activity, and other eligibility requirements are met. Data collected earlier may count toward qualification, but it does not create a bonus before Period 2. The current maximum bonus amounts are Emerald up to $100 per month, Sapphire up to $150 per month, and Onyx up to $200 per month. The current Connection Bonus is 30 percent of the maximum bonus: Emerald $30, Sapphire $45, and Onyx $60. The current Activity Bonus is 70 percent of the maximum bonus: Emerald up to $70, Sapphire up to $105, and Onyx up to $140. The Activity Bonus is tiered by trailing 30-day goal-days: 20 or more goal-days earns the full Activity Bonus; 10 through 19 goal-days earns one-half of the Activity Bonus; fewer than 10 goal-days earns no Activity Bonus. A goal-day currently means either 10,000 or more steps or 7 or more hours of sleep recorded through an eligible connected wearable. All amounts, breakpoints, metrics, and connection rules are subject to change prospectively under the Agreement.
A-1b. Health Plans, Reports, and Priority Care Team
Each Emerald, Sapphire, and Onyx membership also includes the following services. They are included in the membership fee and are not paid from the Wellness Pool or Saved Care.
Clinician-reviewed health plan: twice each membership year, Gabriel prepares a written health plan from the member's health record, including the member's lab results, goals, and what the member has shared. Gabriel uses AI to prepare the plan. A licensed clinician arranged through Gabriel reviews it, makes any changes, and signs it before it is delivered in the Gabriel app, with a guided walkthrough. The clinician decides what the plan recommends. A plan is not a prescription; prescriptions need their own evaluation.
Quarterly health report: every three months, a report in the Gabriel app on what has changed in the member's labs, wearables, and goals, and what to focus on next. Gabriel prepares these reports. They are for the member's information and are not reviewed by a clinician.
Priority care team: the member's messages to the care team are answered first.
Who receives them: each enrolled member age 18 or older, including the Primary Member and each Adult Dependent, receives their own health plans and reports. A membership year starts on the membership's enrollment date and on each anniversary of that date. Health plans not used in a membership year do not carry over.
A-2. Fee Allocation Method
The Clinical Care Component for each tier is a fixed dollar amount stated above, set with reference to the fair-market value of the clinical and medical-care services made available under that tier (telehealth and clinical consultations, ordering and clinical review of laboratory tests and diagnostics, health and biometric screenings including optical blood screening where offered, and prescription management and coordination with licensed clinicians). The Wellness & Concierge Component is the remaining balance of the Monthly Fee. The same per-tier allocation is reflected on each member's monthly statement under Section 16A(d). Gabriel may update the allocation under the Agreement's change provisions and will reflect the current allocation on member statements.
A-3. Flex Balance Build, Full Access, and Three-Month Start
Flex uses a three-period Balance Build. In Period 1, Gabriel grants thirty-three percent (33%) of the full monthly Wellness Pool. In Period 2, Gabriel adds sixty-six percent (66%) of the full monthly pool to any unused Period 1 balance. In Period 3, Gabriel adds one hundred percent (100%) of the full monthly pool to any unused balance from Periods 1 and 2. Unused Balance Build amounts may carry only through the end of Period 3; at the start of Period 4, any remaining Balance Build amount expires and the membership begins the ordinary monthly full-pool reset. The pre-approval rules in Exhibit D apply from the first day of membership. Wearable engagement bonuses are unavailable in Period 1 and may first increase the pool in Period 2, subject to all requirements. The Balance Build applies to all new household members on signup, to a new dependent's pool addition, and to members who cancel and re-enroll within 12 months. It applies only to the Wellness Pool and does not change the Clinical Care Component or Monthly Fee.
Full Access is available for Emerald, Sapphire, and Onyx individual and household memberships. It requires payment of the first three monthly membership fees in full at enrollment. Full Access provides the full tier- and household-specific monthly Wellness Pool in each of the first three Monthly Benefit Periods, with no Balance Build and no aggregation of three months of pool value at once. Each monthly pool resets at the next Monthly Benefit Period, and Saved Care applies under Section 7B. After the prepaid term, the membership renews monthly at the enrollment-page renewal price unless canceled before renewal. The Full Access enrollment addendum shown at checkout controls the prepaid term.
Three-Month Start is available for Emerald, Sapphire, and Onyx individual and household memberships where it is identified on the enrollment page. It is billed monthly at the ordinary monthly membership fee with nothing prepaid, and it carries a minimum term of three Monthly Benefit Periods. Three-Month Start provides the full tier- and household-specific monthly Wellness Pool in each Monthly Benefit Period beginning with Period 1, with no Balance Build and no aggregation of three months of pool value at once. Each monthly pool resets at the next Monthly Benefit Period, and Saved Care applies under Section 7B. The member may request cancellation at any time; cancellation takes effect at the end of the third Monthly Benefit Period or at the end of the then-current billing period, whichever is later, and membership fees continue to be billed monthly through that date. After the minimum term, the membership continues month to month at the same fee unless canceled. Wearable engagement bonuses retain their normal timing. Members who enrolled before this arrangement was offered keep the Flex Balance Build or Full Access terms they accepted. The Three-Month Start enrollment addendum shown at checkout controls the minimum term.
A-4. Family Membership Pricing (all adult ages)
A Family Membership is one shared household wellness pool plus shared services (the Gabriel application, navigator, claims help, member advocacy), with a per-person adder that makes each added person an individual member able to draw from the pool. The Household Base fee includes the same Clinical Care Component and Wellness & Concierge Component split as the individual tier of the same name in Section A-1. Added-Life Adders (spouse or child) are allocated 100 percent to the Wellness & Concierge Component; no portion of an adder is represented as a Clinical Care Component or as a qualified medical expense under Section 16A.
| Tier | Household base | Household pool base | Added-life adder | Pool add | Additional children |
|---|---|---|---|---|---|
| Emerald | $249 | Up to $500 | $187 each | Up to $330 each | Children 3+ free; no pool add |
| Sapphire | $399 | Up to $750 | $299 each | Up to $525 each | Children 3+ free; no pool add |
| Onyx | $799 | Up to $1,500 | $599 each | Up to $1,050 each | Children 3+ free; no pool add |
Each enrolled person (primary or added dependent) receives their own login and Gabriel account and the ability to draw from the shared pool directly. A Family Membership receives one wearable engagement bonus at the tier maximum for the paid household membership account (Emerald up to $100, Sapphire up to $150, Onyx up to $200). Added dependents do not receive separate wearable engagement bonuses. Separately purchased Individual Memberships each have their own wearable engagement bonus. Children over age 21 are treated as adults (full Added-Life Adder). Free children (the third and beyond) may draw from the existing household pool but do not increase the pool.
No per-person or per-category dollar caps currently apply to an individual or household membership, except the Therapeutic & Postpartum Meals limit in Section 8. Every enrolled person may submit eligible expenses, and all approved spending draws from the single shared household Wellness Pool subject to the shared pool ceiling, reimbursement rate, pre-approval, documentation, fair-market-value, eligibility, and other program rules.
Gabriel OS access differs by enrollment type. Each Individual Membership includes a full Gabriel OS seat with full or priority application access, including the member's own health vault, tracker, and the full or priority tier of AI-assisted support and messaging for that membership tier. On a shared household (Couple or Family) Membership, the Primary Member receives a full Gabriel OS seat and each added dependent receives a linked Gabriel OS seat with standard application access. Standard access includes the dependent's own login, the ability to draw from the shared pool, and standard tracker and support features, and may carry usage allowances (including messaging or AI-assisted support limits) set forth in the then-current Benefits Schedule or program documentation. Gabriel OS is in active development; access tiers, features, and any usage allowances are beta program features subject to change under this Agreement's change provisions.
A-5. Age-Neutral Pricing and Medicare Coordination
Emerald, Sapphire, and Onyx pricing and benefits apply equally to adults of every age. There is no age-based adjustment to the individual Monthly Fee, Household Base, Added-Life Adder, Monthly Wellness Cap, shared family pool, wearable engagement bonus, or Balance Build. Members age 65 or older and other Medicare-eligible members select Emerald, Sapphire, or Onyx at the standard tier price. Optional Senior and Medicare coordination is a service overlay, not a separately priced tier, and does not change the selected tier's pricing or benefits.
A-6. Pricing and Insurance Services
The Monthly Fee, Household Base, Added-Life Adders, Monthly Wellness Cap, and the household amounts in A-4 are the same whether or not Gabriel is the Agent of Record on a member's individual ACA or Medicare plan or provides other insurance services, and the Clinical Care Component is the same fixed dollar amount for every member of a tier. No surcharge applies to any covered life; the surcharge in earlier versions of this Agreement is discontinued as described in Section 16. The selected Flex Balance Build or Full Access arrangement, intake requirements, and exclusions apply the same way either way.
A-7. Worked Examples (all adult ages)
These examples apply regardless of the adult members' ages.
| Example | Tier | Premium | Shared pool after ramp | Full-bonus ceiling / note |
|---|---|---|---|---|
| Couple | Emerald | $436 / mo | Up to $830 | Up to $930 with full wearable bonus |
| Couple | Sapphire | $698 / mo | Up to $1,275 | Up to $1,425 with full wearable bonus |
| Couple | Onyx | $1,398 / mo | Up to $2,550 | Up to $2,750 with full wearable bonus |
| Couple plus two children | Emerald | $810 / mo | Up to $1,490 | — |
| Couple plus two children | Sapphire | $1,296 / mo | Up to $2,325 | — |
| Couple plus four children | Sapphire | $1,296 / mo | Up to $2,325 | Children 3 and 4 have no premium |
| Couple plus three children | Onyx | $2,596 / mo | Up to $4,650 | — |
| Single adult plus two children | Emerald | $623 / mo | Up to $1,160 | — |
A-8. Final Number Table (reference)
| Tier | Individual price | Individual pool | Full-bonus ceiling | Added-life adder | Pool add | Couple price | Couple pool | Couple full-bonus ceiling |
|---|---|---|---|---|---|---|---|---|
| Emerald | $249 | $500 | $600 | $187 | $330 | $436 | $830 | $930 |
| Sapphire | $399 | $750 | $900 | $299 | $525 | $698 | $1,275 | $1,425 |
| Onyx | $799 | $1,500 | $1,700 | $599 | $1,050 | $1,398 | $2,550 | $2,750 |
A-9. Saved Care Examples (illustrative)
These examples assume a quiet month, meaning no care used and no bonuses, at the current Saved Care rate in Section 7B, twenty percent (20%) for every tier. Actual amounts depend on use.
Emerald: $100 is added for each quiet month. After a quiet year, Saved Care is $1,200, and month 13 starts with up to $1,700 available (the $500 base plus Saved Care).
Sapphire: $150 is added for each quiet month. After a quiet year, Saved Care is $1,800, and month 13 starts with up to $2,550 available (the $750 base plus Saved Care).
Onyx: $300 is added for each quiet month. After a quiet year, Saved Care is $3,600, and month 13 starts with up to $5,100 available (the $1,500 base plus Saved Care).
Exhibit B: State-Specific Notices
Gabriel will provide any state-specific disclosures required for your state of residence at enrollment and at renewal. Where a state-specific notice requires different language than this Agreement, the state-specific notice controls for residents of that state.
Exhibit D: Benefit Schedule Rules and Tier Templates
This Exhibit D sets out the operational rules and illustrative tier templates that supplement the pricing and fee allocation in Exhibit A. Where a dollar amount in a tier template differs from Exhibit A, Exhibit A controls.
Global Rules
These rules apply to all Benefits Schedules unless a tier schedule or sponsor-specific schedule says otherwise:
Benefits are available only while membership is active, paid, and in good standing.
Expenses must occur during the member's active benefit period.
Expenses must be submitted with dated, itemized documentation.
Gabriel may request additional documentation, deny ineligible requests, cap reimbursement at fair market value, or require pre-approval.
Monthly limits reset at the end of each Monthly Benefit Period. Part of the unused base limit is added to Saved Care under Section 7B. Nothing else carries forward.
Gabriel may require members to use insurance or other available third-party benefits first.
Reimbursement timing is a target, not a guarantee.
Gabriel may reimburse or assist with emergency services, hospital bills, surgery, inpatient care, catastrophic claims, or deductible-like expenses only when the applicable Benefits Schedule expressly includes that benefit and the request satisfies all eligibility, documentation, pre-approval, waiting period, and plan-integrity rules.
Gabriel does not provide tax, medical, legal, insurance, or financial advice.
State-specific limits may apply.
All benefits are subject to change based on utilization, pool health, reserve levels, fraud or abuse risk, member behavior, regulatory concerns, provider availability, pricing changes, financial sustainability, operational constraints, and other business reasons.
Gabriel Network providers and Preferred Partners receive 100% reimbursement of eligible expenses, subject to the available pool and program rules. Therapeutic & Postpartum Meals are reimbursed at 50%, including from Gabriel Network meal partners. Out-of-network providers receive 50% reimbursement of eligible expenses, subject to the available pool and program rules. Gabriel may add, remove, or update Gabriel Network providers and Preferred Partners at any time, with or without notice, based on availability, pricing, quality, member feedback, geography, regulatory considerations, or business reasons. Members may view the current list through their Gabriel account or by contacting member support.
Benefit balances, including Saved Care, are not cash, stored value, wages, compensation, insurance proceeds, HSA/FSA funds, trust assets, escrowed funds, or balances payable to the member.
Eligible Reimbursement Categories
Body Care: chiropractor visits, massage, acupuncture, stretching, bodywork, red light, sauna, and recovery modalities where eligible.
Diagnostics & Doctors: lab testing, panels, imaging and scans, and other diagnostics; integrative, functional, naturopathic, and holistic medicine practitioners (including naturopathic doctors, functional medicine providers, and integrative or holistic physicians), and nurse practitioners and physician assistants practicing in these areas; biological and holistic dentistry; and urgent, specialist, and other care and treatments eligible under your Benefits Schedule.
Pregnancy, Birth & Postpartum Care: prenatal, childbirth, postpartum, and lactation care furnished by licensed midwives, certified nurse-midwives, and other licensed maternity practitioners; by licensed or accredited birth centers; and by doulas and midwife assistants holding certification or training recognized under applicable state requirements or otherwise approved by Gabriel; and related maternity wellness services eligible under your Benefits Schedule. Eligible pregnancy, birth, and postpartum expenses are ordinary wellness reimbursements, are ordinarily handled as an Episode of Care under Section 7A, and remain subject to provider verification, scope of practice, documentation, fair market value review, network reimbursement rates, pre-approval, and all other program rules. Planned childbirth remains outside deductible, emergency, and catastrophic assistance under Section 9.
Therapeutic & Postpartum Meals: meal programs from Gabriel Network meal partners, in two cases only: (a) postpartum meals for up to 8 weeks after a birth, and (b) clinician-directed meal plans, recommended in writing by a licensed clinician at Everdawn Health, Gabriel's clinical partner, a Gabriel Network practitioner, or another licensed clinician Gabriel approves in advance, for a specific health protocol or goal, for up to 12 weeks per recommendation. Reimbursed at 50% of eligible cost, up to $250 per Monthly Benefit Period in total for this category, and pre-approval is required. Meals from providers outside the Gabriel Network are not eligible.
Supplements: vitamins, supplements, prescription and compounded peptides where legally prescribed and dispensed, prescriptions where eligible, other wellness, longevity, and biohacking consumables lawfully obtained by the Member, and cannabis medicine where legal and eligible. Gabriel may require an Apotheca-first or Gabriel-marketplace-first pathway when an eligible item is available through Apotheca or another Gabriel-designated marketplace. If an eligible item is not yet listed through Apotheca or a Gabriel-designated marketplace but is ordered, dispensed, or recommended through a Gabriel-approved in-network practitioner, provider, or partner pathway, Gabriel may reimburse up to 100% of the eligible cost within the applicable Supplements cap. If an eligible item is purchased off-Apotheca, outside a Gabriel-designated marketplace, or outside Gabriel's in-network/provider pathway, Gabriel may limit reimbursement to up to 50% of the eligible cost within the applicable Supplements cap. Eligibility for reimbursement of any item in this category is determined by Gabriel in its discretion under the applicable Benefits Schedule.
Mind Care: therapy, coaching, psychiatrist visits, breathwork, neurofeedback, and similar mental health support where eligible.
No modality or treatment is guaranteed by Gabriel Care, even if similar modalities are mentioned in marketing, examples, coverage lists, category descriptions, sales materials, or prior reimbursement decisions.
Emerald Benefits Schedule
Membership fee: $249 per month
Member type: individual or household per enrollment record
Monthly wellness reimbursement limit: up to $500 per month after ramp
Wearable engagement bonus: up to $100 per month if requirements are met, plus additional engagement bonuses Gabriel may offer from time to time.
Saved Care: 20% of the unused base monthly limit is added at the end of each Monthly Benefit Period (Section 7B).
Flex Balance Build
Period 1 grant: $165 (33% of the full monthly pool)
Period 2 additive grant: $330 (66% of the full monthly pool), with unused Period 1 balance retained
Period 3 additive grant: $500 (100% of the full monthly pool), with unused prior Balance Build amounts retained through Period 3
No per-category dollar caps currently apply, except the Therapeutic & Postpartum Meals limit in Section 8. Approved spending remains subject to the available Wellness Pool and all program rules.
Support Level
AI-first member support
Human escalation where Gabriel determines appropriate
Reimbursement timing: approved payouts average 72 hours after a complete reimbursement request, though timing varies and is not guaranteed (see Section 7).
Pre-Approval required for: any single expense over $1,000 from a provider outside the Gabriel Network and Preferred Partners; any procedure, at any amount; high-risk categories, at any amount; Therapeutic & Postpartum Meals, at any amount; Episodes of Care; recurring protocols; and unusual, bundled, or experimental services. Prepaid packages of sessions used one at a time do not require pre-approval (Section 7A). For memberships that begin on or after October 7, 2026, during the first three Monthly Benefit Periods, Gabriel also reviews outside-provider expenses that together exceed $300 in a Monthly Benefit Period before approving them.
Sapphire Benefits Schedule
Membership fee: $399 per month
Member type: individual or household per enrollment record
Monthly wellness reimbursement limit: up to $750 base per month after ramp, up to $900 per month with the full wearable engagement bonus earned
Wearable engagement bonus: up to $150 per month if requirements are met, plus additional engagement bonuses Gabriel may offer from time to time.
Saved Care: 20% of the unused base monthly limit is added at the end of each Monthly Benefit Period (Section 7B).
Flex Balance Build
Period 1 grant: $248 (33% of the full monthly pool, rounded)
Period 2 additive grant: $495 (66% of the full monthly pool), with unused Period 1 balance retained
Period 3 additive grant: $750 (100% of the full monthly pool), with unused prior Balance Build amounts retained through Period 3; up to $900 with the full wearable engagement bonus earned
No per-category dollar caps currently apply, except the Therapeutic & Postpartum Meals limit in Section 8. Approved spending remains subject to the available Wellness Pool and all program rules.
Support Level
Priority AI support
Human escalation for insurance, reimbursement, claims, provider, and high-risk workflows
Reimbursement timing: approved payouts average 72 hours after a complete reimbursement request, though timing varies and is not guaranteed (see Section 7).
Pre-Approval required for: any single expense over $1,000 from a provider outside the Gabriel Network and Preferred Partners; any procedure, at any amount; high-risk categories, at any amount; Therapeutic & Postpartum Meals, at any amount; Episodes of Care; recurring protocols; and unusual, bundled, or experimental services. Prepaid packages of sessions used one at a time do not require pre-approval (Section 7A). For memberships that begin on or after October 7, 2026, during the first three Monthly Benefit Periods, Gabriel also reviews outside-provider expenses that together exceed $300 in a Monthly Benefit Period before approving them.
Onyx Benefits Schedule
Membership fee: $799 per month
Member type: household or concierge per enrollment record
Positioning: private household health command center
Wellness Allowance Onyx includes a base monthly wellness reimbursement limit up to $1,500. A qualifying wearable engagement bonus may add up to $200 per month beginning in Period 2, producing a maximum ordinary monthly ceiling up to $1,700 if all requirements are met, plus additional engagement bonuses Gabriel may offer from time to time.
Saved Care: 20% of the unused base monthly limit is added at the end of each Monthly Benefit Period (Section 7B).
Flex Balance Build
Period 1 grant: $495 (33% of the full monthly pool)
Period 2 additive grant: $990 (66% of the full monthly pool), with unused Period 1 balance retained
Period 3 additive grant: $1,500 (100% of the full monthly pool), with unused prior Balance Build amounts retained through Period 3; up to $1,700 with the full wearable engagement bonus earned
No per-category dollar caps currently apply, except the Therapeutic & Postpartum Meals limit in Section 8. Onyx follows the same defined Flex Balance Build, Full Access, or Three-Month Start rules as Emerald and Sapphire; approved spending remains subject to the available Wellness Pool and all program rules.
Support Level
Dedicated or priority human coordinator
Household Health Vault support
Specialist routing, bill and EOB review, second opinion coordination, and executive diagnostics coordination where available
Reimbursement timing: approved payouts average 72 hours after a complete reimbursement request, though timing varies and is not guaranteed (see Section 7).
Pre-Approval required for: any single expense over $1,000 from a provider outside the Gabriel Network and Preferred Partners; any procedure, at any amount; high-risk categories, at any amount; Therapeutic & Postpartum Meals, at any amount; Episodes of Care; recurring protocols; and unusual, bundled, or experimental services. Prepaid packages of sessions used one at a time do not require pre-approval (Section 7A). For memberships that begin on or after October 7, 2026, during the first three Monthly Benefit Periods, Gabriel also reviews outside-provider expenses that together exceed $300 in a Monthly Benefit Period before approving them.
Teams Benefits Schedule
Current Teams plans, prices, funding options, and Teams Max, Teams Select, and Teams Elite benefits are set out in the Gabriel Teams Pricing and Funding Supplement below (version 2026-11-03b). Existing accepted group schedules are not automatically changed.
Family Memberships Pricing and Pool Schedule
Family pricing is composed of a Household Base and an Added-Life Adder for an Adult Dependent or each of the first two Child Dependents under age 21. Additional Child Dependents beyond the first two are added at no premium and do not increase the pool. Listed pool amounts are the ordinary full monthly review limits. Flex reaches the ordinary monthly reset after its three-period Balance Build; Full Access provides the full monthly pool beginning in Period 1. Three-Month Start provides the full monthly pool beginning in Period 1, billed monthly, with a three-period minimum term.
Emerald Family
Household Base: $249 per month
Pool Base: up to $500 per month
Added-Life Adder (spouse or each of the first two children under 21): $187 per month each
Added-Life Pool Add: up to $330 per month each
Additional children: $0 premium, $0 pool add, eligible to spend from existing pool
Sapphire Family
Household Base: $399 per month
Pool Base: up to $750 per month
Added-Life Adder (spouse or each of the first two children under 21): $299 per month each
Added-Life Pool Add: up to $525 per month each
Additional children: $0 premium, $0 pool add, eligible to spend from existing pool
Onyx Family
Household Base: $799 per month
Pool Base: up to $1,500 per month
Added-Life Adder (spouse or each of the first two children under 21): $599 per month each
Added-Life Pool Add: up to $1,050 per month each
Additional children: $0 premium, $0 pool add, eligible to spend from existing pool
Shared-pool limits. No per-life or per-category dollar caps currently apply, except the Therapeutic & Postpartum Meals limit in Section 8. Each enrolled person may submit eligible expenses, and all approved spending draws from the single shared household Wellness Pool subject to the shared pool ceiling and all other program rules.
Gabriel OS seat tiering. Gabriel OS access differs by enrollment type. Each Individual Membership includes a full Gabriel OS seat with full or priority application access, including the member's own health vault, tracker, and the full or priority tier of AI-assisted support and messaging for that membership tier. On a shared household (Couple or Family) Membership, the Primary Member receives a full Gabriel OS seat and each added dependent receives a linked Gabriel OS seat with standard application access. Standard access includes the dependent's own login, the ability to draw from the shared pool, and standard tracker and support features, and may carry usage allowances (including messaging or AI-assisted support limits) set forth in the then-current Benefits Schedule or program documentation. Gabriel OS is in active development; access tiers, features, and any usage allowances are beta program features subject to change under this Agreement's change provisions.
Onyx family memberships remain concierge-managed. Pool figures above are default targets and may be modified at enrollment by the accepted Benefits Schedule.
Age-Neutral Family Pricing
The Household Base, Pool Base, Added-Life Adders, pool additions, wearable engagement bonus, and Balance Build do not change based on the age of the Primary Member or any Adult Dependent. A Medicare-eligible household member may receive optional Senior and Medicare coordination as a service overlay without changing the household's selected tier or its pricing and benefits.
Pricing and Insurance Services
Household Base, Added-Life Adder, Pool Base, and Pool Add amounts are the same whether or not Gabriel provides insurance enrollment, plan brokerage, or Agent of Record services. No surcharge applies to any covered life.
Family Flex Balance Build
Period 1 grant: thirty-three percent (33%) of the full monthly pool
Period 2 additive grant: sixty-six percent (66%) of the full monthly pool, with unused Period 1 balance retained
Period 3 additive grant: one hundred percent (100%) of the full monthly pool, with unused prior Balance Build amounts retained through Period 3
At the start of Period 4, unused Balance Build amounts expire and the ordinary monthly full-pool reset begins.
Balance Build controls. No per-category dollar caps apply during or after the Balance Build, except the Therapeutic & Postpartum Meals limit in Section 8. The available pool, reimbursement rate, pre-approval threshold, documentation, fair-market-value review, eligibility, and other program rules continue to apply from the first day of membership.
Applies to new family memberships at enrollment, new dependents added to existing family memberships (for the incremental pool contribution only), and members who cancel and re-enroll within twelve (12) months.
Worked Examples (all adult ages)
Couple, Emerald: premium $436 per month, shared pool up to $830 per month after ramp (up to $930 with the full wearable engagement bonus earned)
Couple plus two children, Emerald: premium $810 per month, shared pool up to $1,490 per month after ramp
Couple, Sapphire: premium $698 per month, shared pool up to $1,275 per month after ramp (up to $1,425 with the full wearable engagement bonus earned)
Couple plus two children, Sapphire: premium $1,296 per month, shared pool up to $2,325 per month after ramp
Couple plus four children, Sapphire: premium $1,296 per month (children three and four at no premium), shared pool up to $2,325 per month after ramp (additional children do not add to pool)
Couple plus three children, Onyx: premium $2,596 per month, shared pool up to $4,650 per month after ramp
Single adult plus two children, Emerald: premium $623 per month, shared pool up to $1,160 per month after ramp
Gabriel Teams Pricing and Funding Supplement
Version 2026-11-03b. This supplement sets out the current Gabriel Teams plans, prices, and funding options. It replaces version 2026-11-03a (and the earlier versions 2026-10-16a, 2026-10-15a, 2026-10-12a, 2026-10-11b, 2026-10-11a, 2026-10-08a, and 2026-09-07a), and the standard Teams pricing and funding descriptions in Section 6, Section 17, and the Teams Benefits Schedule in Exhibit D, for new Teams quotes and enrollments. It does not automatically reprice an existing membership or replace an existing group’s accepted sponsor agreement or Benefits Schedule. Existing agreements continue until changed in accordance with their terms and applicable notice requirements. Individual and household membership pricing and benefits are unchanged. The Gabriel Care Membership and Benefits Agreement (the “Agreement”) applies to Gabriel Teams as described in section 9. If this supplement and the Agreement differ about Gabriel Teams, this supplement controls.
1. Plans and prices
| Plan | Monthly membership fee per enrolled employee | Monthly reimbursement limit per employee | Earned wearable benefit |
|---|---|---|---|
| Teams Max | $89 | No Wellness Pool | Not available |
| Teams Select | $199 | Up to $700 | Up to $100 a month |
| Teams Elite | $299 | Up to $1,000 | Up to $200 a month |
Teams Max (formerly called Teams Plus) is the same Gabriel Max membership offered to individuals, without free shipping, provided to an employer’s team as described in section 3. Teams Select (formerly called Teams Pro) includes everything in Teams Max and adds the group’s shared Wellness Pool. Teams Elite includes everything in Teams Select, with a higher reimbursement limit, a higher earned wearable benefit, and white-glove concierge support.
2. Eligibility and who pays
Gabriel Teams requires at least 25 enrolled employees. Teams Max, Teams Select, and Teams Elite may each be fully employer-funded, fully employee-funded, or funded through any agreed employer/employee split, and a group may instead cover every enrolled employee on Teams Max and let employees upgrade, as described in section 5. The prices above are the total monthly membership fee per enrolled employee, not separate charges to both parties. The accepted group agreement records the plan or plans offered, the contribution arrangement, payment responsibilities, the effective date, and any expressly agreed custom pricing or benefit terms. An individual enrolling outside a qualifying Teams group uses the applicable individual membership pricing.
A Teams membership covers the enrolled employee. Spouses, partners, children, and other family members are not included in a Teams membership; they may join Gabriel with their own membership.
3. What every Teams plan includes
Every Teams plan includes the benefits of Gabriel Max, as set out in the Gabriel Core and Gabriel Max Membership Supplement, for each enrolled employee:
Gabriel Intelligence, in the app, by text, and by voice, and a concierge care team by text, with priority support.
Urgent care and primary care: unlimited virtual urgent care and unlimited virtual primary care through Primary Care Powered by Everdawn, for needs that are not emergencies. On Teams Max, Gabriel pays for up to two in-person urgent care visits a year for each employee, up to $150 each. Teams Select and Teams Elite include unlimited in-person urgent care. Licensed clinicians decide what care is right for each employee.
Root-cause visits: each year, the employee’s first root-cause visit with any practitioner they choose (functional, integrative, naturopathic, and more) is on Gabriel, up to $200, and one follow-up visit is half off, up to $100.
Proactive care: each year, an at-home lab test and a health plan reviewed and signed by a licensed clinician through Everdawn twice a year, with quarterly health reports, as section 4 of the Gabriel Core and Gabriel Max Membership Supplement describes. Unless the group agreement says otherwise, each employee’s in-person urgent care visits start at the beginning of their second month on Teams, and the lab test, root-cause visits, and first clinician-reviewed health plan at the beginning of their third month. These Teams waits apply instead of the timing in section 4 of that supplement.
Member pricing on products and services ordered through Gabriel and its in-network partners. The employee pays for what they buy, at the member price, except where Teams Select or Teams Elite reimbursement applies. Gabriel Teams does not include free shipping: shipping on an employee’s orders is charged at the standard rate shown at checkout.
Care coordination: orders, refills, and bookings handled; prescription requests with licensed clinicians; and help with bills, claim denials, and superbills.
Section 4 (what Gabriel Max adds, as described in this section, except free shipping), section 5 (member pricing), section 6 (prescriptions and medical care), and section 9 (fair use) of the Gabriel Core and Gabriel Max Membership Supplement apply to every Teams plan, and section 7 of that supplement (what the memberships do not include) applies to Teams Max. Its other sections do not apply to Gabriel Teams: this supplement and the group agreement govern Teams pricing, billing, membership changes, and endings.
A Teams membership is personal to the enrolled employee and cannot be transferred. Each employee uses their own login and must not share it. Gabriel and its telehealth partner may verify identity before providing care, and Gabriel may suspend membership services if someone other than the enrolled employee uses them.
4. Teams Select and Teams Elite
Teams Select includes everything in Teams Max and access to the group’s shared Wellness Pool (shown on Gabriel’s website as the group wellness budget), with a monthly reimbursement limit of up to $700 per enrolled employee for eligible expenses, and up to $100 a month in additional earned wearable benefit.
Teams Elite includes everything in Teams Select, with a monthly reimbursement limit of up to $1,000 per enrolled employee, up to $200 a month in additional earned wearable benefit, and white-glove concierge and priority account support.
These amounts are limits, not guaranteed payouts. The Wellness Pool is funded by the group and shared by its Teams Select and Teams Elite employees; it is not a personal allowance, and neither the Wellness Pool nor any limit is cash, wages, stored value, insurance, or a balance owned by the employer or any employee. Each reimbursement depends on the employee’s eligibility and monthly limit, the eligible-category and documentation rules, approval, applicable waiting periods, and the group funding available in the Wellness Pool. Wellness Pool benefits are discretionary program features under Section 6 of the Agreement.
Earned wearable benefit. The earned wearable benefit is the wearable engagement bonus described in Section 6 of the Agreement, with its Connection Bonus and Activity Bonus qualification, maintenance, and timing rules. No wearable engagement bonus applies during an employee’s first Monthly Benefit Period on Teams Select or Teams Elite.
Teams Saved Care. Eligible unused group funding may build the group’s Teams Saved Care (formerly called the Care Reserve) for larger approved care needs. Teams Saved Care is not cash, wages, stored value, insurance benefits, or an account owned by the employer or any employee. Unused group surplus and Teams Saved Care administration, availability, allocations, and treatment on renewal or cancellation are governed by the accepted group agreement and Benefits Schedule. Before enrollment, an employee-funded, split-funded, or Max-with-upgrades group agreement must specify the treatment of employee contributions and any unused reserve on renewal or cancellation; this supplement does not automatically assign employee-funded amounts to the employer. Teams Max has no Wellness Pool surplus to reserve or return.
5. Max for everyone, with employee upgrades
A group may cover every enrolled employee on Teams Max, paid by the employer at $89 a month per employee, and let any enrolled employee upgrade to Teams Select by paying an additional $110 a month (a total monthly fee of $199) or to Teams Elite by paying an additional $210 a month (a total of $299). The employer pays the Teams Max fee for every enrolled employee, and each employee who upgrades pays the difference, unless the group agreement provides otherwise.
Employee contributions and payroll deduction. Upgrading is the employee’s choice. Where the employer offers payroll deduction, an employee’s upgrade contribution is deducted from pay only with the employee’s written authorization and as applicable law allows, and the employer pays it to Gabriel with the group’s monthly invoice. Where payroll deduction is not used, the employee pays Gabriel directly by a payment method Gabriel accepts. The group agreement records who pays Gabriel and how contributions are collected and remitted. If an upgrade contribution is not paid when due, Gabriel may return the employee to Teams Max from their next Monthly Benefit Period.
No pre-tax treatment is assumed. Upgrade contributions are made from after-tax pay unless the employer has established a qualifying pre-tax arrangement under applicable law, which is the employer’s responsibility.
Timing. Unless the group agreement says otherwise, an upgrade, or a return to Teams Max, takes effect at the start of the employee’s next Monthly Benefit Period after Gabriel receives it. Wellness Pool access and the monthly reimbursement limit begin with the employee’s first Monthly Benefit Period on Teams Select or Teams Elite and end when they return to Teams Max or their Teams membership ends; only eligible expenses with a date of service while the employee was on Teams Select or Teams Elite can be reimbursed. The group agreement may set enrollment windows, a minimum period for an upgrade, or participation requirements.
6. When an employee leaves
An employee’s Teams membership ends when they stop being eligible under the group’s eligibility rules, for example when their employment ends. Unless the group agreement sets a different date, it ends at the end of the Monthly Benefit Period in which the employer reports the change to Gabriel.
When it ends, the employee’s Teams benefits, member pricing, Wellness Pool access, earned wearable benefit, and any upgrade end, and payroll deductions for an upgrade stop. Requests for eligible expenses with a date of service while the membership was active follow the Agreement’s rules for requests after a membership ends (Section 21). Wellness Pool funding and Teams Saved Care stay with the group; nothing is paid out or transferred to the departing employee. Partial months are not refunded unless the group agreement or applicable law requires it, and any employee-paid amount is handled as the group agreement specifies.
A departing employee may join Gabriel individually, for example on Gabriel Max or on Emerald, Sapphire, or Onyx, at individual pricing and terms. An individual membership is a new membership: Teams reimbursement limits, wearable progress, and Teams Saved Care do not carry over.
If the group’s sponsor agreement ends, its employees’ Teams memberships end as the sponsor agreement provides, and unused group funding and Teams Saved Care are handled as the group agreement and Benefits Schedule specify.
7. Primary care and root-cause care
Every Teams plan includes unlimited virtual primary care through Primary Care Powered by Everdawn, as well as the urgent care and the root-cause visit allowance described in section 3. Root-cause primary care, meaning ongoing primary care with a root-cause or holistic practitioner as an included Gabriel service, is a different service: it is coming soon, is not a currently included service, and will be described in the applicable group schedule before it is activated. Clinical decisions and prescriptions remain the responsibility of licensed providers.
8. Savings, taxes, privacy, and insurance
Member savings vary by product, provider, location, and availability, and are not guaranteed.
Choosing an employer-funded, employee-funded, shared, or Max-with-upgrades arrangement does not by itself establish HSA/FSA eligibility, pre-tax payroll treatment, payroll-tax savings, or any particular business deduction. Section 16A of the Agreement applies to Teams fees, and Gabriel can provide itemized statements. This is not tax advice; employers and employees should check with their own tax and benefits advisors.
Sponsor Privacy Firewall. Gabriel will not share an employee’s individual health details, receipts, diagnoses, provider names, treatments, medications, or reimbursement details with the employer or sponsor, except as authorized by the employee or permitted or required by law. Sponsor reporting is limited to eligibility, enrollment status, plan and contribution status, billing status, aggregate utilization where group size is sufficient, and operational data necessary to administer the sponsor account. This applies to every plan and funding arrangement, including employee-funded groups and employee upgrades.
Gabriel Teams is a membership, not health insurance, and does not replace comprehensive health insurance. Employer payment does not make Gabriel the employer’s health plan, plan fiduciary, insurer, or benefits administrator unless a separate written agreement expressly says so.
9. How the Agreement applies
The Agreement applies to Gabriel Teams, including Section 17 (Employer-Sponsored Memberships). For Teams Select and Teams Elite, the Agreement’s wellness reimbursement rules apply to the group Wellness Pool, as changed by this supplement and the group’s accepted Benefits Schedule. Individual Saved Care under Section 7B does not apply to Gabriel Teams, which holds Saved Care at the group level as Teams Saved Care under section 4, and the deductible, emergency, and catastrophic assistance in Section 9 applies only if the group’s Benefits Schedule expressly includes it.
Gabriel Core and Gabriel Max Membership Supplement
Version 2026-11-05b. This supplement sets out the terms of Gabriel Core and Gabriel Max, two memberships offered by Gabriel Care LLC, and of free Gabriel accounts (section 14). It replaces version 2026-11-03b of this supplement. The Gabriel Care Membership and Benefits Agreement (the “Agreement”) also applies to both memberships, as described in section 12. If this supplement and the Agreement differ about Gabriel Core or Gabriel Max, this supplement controls.
1. What Gabriel Core and Gabriel Max are
Gabriel Core is a membership for member pricing, everyday virtual care, a human care team by text, and free shipping on orders of $49 or more. Gabriel Max includes everything in Gabriel Core and adds the proactive care in section 4: a yearly at-home lab test, a health plan reviewed and signed by a licensed clinician twice a year, root-cause and in-person urgent care visit allowances, quarterly health reports, priority care team support, and free shipping on every order.
Your membership fee pays for the care and services in sections 3 and 4, for access to Gabriel and its care team, and for the right to buy at member prices. You pay separately for the products and services you buy, at the member price. Neither membership has a wellness budget or includes Saved Care, and apart from the Gabriel Max allowances in section 4, neither makes reimbursements. Gabriel Core and Gabriel Max are not health insurance or Medicare coverage and do not replace either.
Gabriel Core is no longer offered to new members. Members who have it keep it under this supplement. Gabriel Plus, a membership for member prices without care, has its own supplement.
2. Price and billing
Each adult on the membership pays the membership price: you, your spouse or partner, and each child age 18 or older. Children under 18 are included at no extra charge. Everyone on a membership has the same plan. The price is the same whether or not your health plan is through Gabriel.
Gabriel Core costs $49 a month for each adult, billed as two items: $39 a month for Primary Care Powered by Everdawn and $10 a month for the Gabriel membership. Gabriel Max costs $89 a month for each adult, billed as two items: $69 a month for Primary Care Powered by Everdawn and $20 a month for the Gabriel membership.
You can pay yearly instead, 12 months for the price of 11. Gabriel Core is $539 a year for each adult: $429 for Primary Care Powered by Everdawn and $110 for the Gabriel membership. Gabriel Max is $979 a year for each adult: $759 for Primary Care Powered by Everdawn and $220 for the Gabriel membership. Children under 18 are still included at no extra charge.
Primary Care Powered by Everdawn pays for everyday virtual primary and urgent care and, on Gabriel Max, the clinical services in section 4. The Gabriel membership pays for the rest of your membership.
Monthly billing is charged monthly in advance and renews automatically each month until you cancel. Yearly billing is charged yearly in advance and renews automatically each year until you cancel. Before each yearly renewal, Gabriel emails you a reminder with the amount and how to cancel, at least 15 days and no more than 45 days before the renewal date. Both are charged to the payment method you choose. There is no minimum term. Taxes are added where required.
You can switch between monthly and yearly billing by texting or emailing Gabriel. The change takes effect on your next billing date. You can also move between Gabriel Core and Gabriel Max. A move up to Gabriel Max starts when you ask, and you pay the difference for the rest of your current billing period. A move down to Gabriel Core takes effect on your next billing date.
3. What both memberships include
Gabriel and your care team, by text and in the app: answers to your health questions, planning, and concierge help finding providers, booking appointments, and placing orders. Messages with Gabriel are unlimited for personal use, under the fair use terms in section 9.
Virtual care: unlimited virtual urgent care and unlimited virtual primary care through Primary Care Powered by Everdawn, for needs that are not emergencies. Licensed clinicians decide what care is right for you.
Member pricing on products and services you order through Gabriel and its in-network partners, as described in section 5. These may include practitioner-grade supplements, lab tests, prescriptions, recovery and wellness products, and selected telehealth services where available and legally permitted.
Free shipping: free standard shipping to US addresses on orders placed through Gabriel when the items come to $49 or more, counted at the prices you pay, before shipping and taxes. Gabriel Max ships every order free (section 4). Some items and partners may be excluded, such as cold-shipped or oversized items, and checkout shows whether an order ships free before you buy.
Help with bills and claims, once Gabriel offers it: when Gabriel negotiates a medical bill or appeals a denied claim for you, you keep 90% of what Gabriel saves or recovers. Gabriel’s fee is the other 10%, charged only after a success.
4. What Gabriel Max adds
At-home lab test: each membership year, one at-home lab test kit, chosen with you to match your health goals, with your results in the Gabriel app. You can choose a larger panel and pay the difference at the member price. Tests are ordered and processed through Gabriel’s lab partner and its licensed providers and laboratories.
Clinician-reviewed health plan: twice each membership year, Gabriel prepares a written health plan from your health record, including your lab results, your goals, and what you have shared. Gabriel uses AI to prepare the plan. A licensed clinician through Everdawn reviews it, makes any changes, and signs it before it is delivered to you in the app, with a guided walkthrough. The clinician decides what your plan recommends. A plan is not a prescription; prescriptions need their own evaluation.
Root-cause visits: each membership year, your first root-cause visit with any practitioner you choose (functional, integrative, naturopathic, and more) is on Gabriel, up to $200, and one follow-up visit is half off, up to $100.
In-person urgent care: each membership year, Gabriel pays for up to two in-person urgent care visits, up to $150 each, for needs that are not emergencies. Gabriel can book the visit and pay the clinic, or reimburse you after the visit when you send the itemized receipt. You pay any amount above $150 a visit and any further visits.
Quarterly health report: every three months, a report in the app on what has changed in your labs, wearables, and goals, and what to focus on next. Gabriel prepares these reports. They are for your information and are not reviewed by a clinician.
Priority care team: your messages to the care team are answered first.
Free shipping on every order: free standard shipping to US addresses on orders placed through Gabriel, whatever the order’s total. Some items and partners may be excluded, such as cold-shipped or oversized items, and checkout shows whether an order ships free before you buy.
Who uses them: each adult who pays for Gabriel Max has their own allowances, lab test, and health plans. A child under 18 on the membership can use the root-cause and in-person urgent care visits of the adult who manages their account. Lab tests and health plans are for adults.
When they start: on yearly billing, everything in this section is available once your yearly fee is paid. On monthly billing, the quarterly report, the priority care team, and free shipping on every order start right away, and the rest opens in steps during each membership year: your first in-person urgent care visit at the beginning of month 2, the lab test and your first clinician-reviewed health plan at the beginning of month 3, root-cause visits at the beginning of month 4, your second in-person urgent care visit at the beginning of month 7, and your second clinician-reviewed health plan at the beginning of month 9.
Month 1 starts with your first Gabriel Max payment. Months on Gabriel Core do not count, so if you move up from Gabriel Core, month 1 starts with your first payment for Gabriel Max. If you move down to Gabriel Core and later move back up, or cancel and later rejoin, month 1 starts again with your first Gabriel Max payment after that.
A membership year starts on the day month 1 starts and on each anniversary of that day. Allowances, lab tests, and health plans you don’t use in a membership year do not carry over.
5. Member pricing
The member price of a product is set close to what Gabriel, or the in-network partner that fills your order, pays for it. If Gabriel signs a rate with a partner provider, that rate is the member price of that provider’s service. Shipping and taxes are added at checkout, unless your order ships free under section 3 or 4, and you see the full price before you buy.
Member prices change when suppliers’ prices change. Some brands set minimum prices or limit discounts, so some items may cost more or may not be offered at member prices. Availability varies by product, partner, and location. Savings compared with retail prices vary and are not guaranteed.
You may buy at member prices for yourself, for the people in your household, and as gifts for family and friends, and you may ship orders to other addresses. Prescriptions, and tests or treatments that need a provider’s order, are only for the person they are prescribed or ordered for. Items bought at member prices may not be resold, and you may not buy them for resale. If Gabriel reasonably believes purchases are being made for resale, Gabriel may contact you, decline or cancel those orders, or end member pricing on your account. Each in-network partner’s shipping, return, and refund policies apply to what it sells.
6. Prescriptions and medical care
Some products and services require an evaluation or a prescription from a licensed provider. That provider decides whether a test, treatment, or prescription is right for you, and a membership does not guarantee one. Medical services, including the clinician-reviewed health plans in section 4, are provided by independent licensed providers through Everdawn and Gabriel’s other care partners, not by Gabriel, and prescriptions are filled by licensed pharmacies. Each provider’s own terms and consents apply to the care it provides. Gabriel Core and Gabriel Max are not for emergencies. If you think you may have a medical emergency, call 911.
7. What they do not include
Gabriel Core does not include in-person urgent care or anything in section 4. Neither membership includes a wellness budget, reimbursements other than the Gabriel Max allowances in section 4, Saved Care, the wearable bonus, pre-approvals, or the deductible, emergency, and catastrophic assistance described in the Agreement. Those are benefits of Emerald, Sapphire, and Onyx.
8. Your household
Your membership is personal and cannot be transferred. Gabriel, the care team, and the care in sections 3 and 4 are for the adults on your membership and your children under 18 who are listed on it. Each adult who uses them must be on the membership, with their own login, and accepts these terms for themselves. You manage the accounts of children under 18.
Do not share your login. Gabriel and its telehealth partner may verify identity before providing care, and Gabriel may suspend membership services if someone who is not on your membership uses them. You can add or remove people at any time. On monthly billing, a change to your price starts on your next billing date. On yearly billing, an adult you add is charged for the rest of your membership year when you add them, and an adult you remove comes off at your next yearly renewal.
9. Fair use
Messages with Gabriel and the care team, and virtual care, are unlimited for normal personal use by the people on your membership. To keep them fast and available for everyone, Gabriel may slow down or limit automated, scripted, or unusually heavy use, or use by someone who is not on your membership. If Gabriel limits your use, it keeps answering your messages and tells you what changed.
10. Cancellation and changes
You can cancel at any time in your account or by texting or emailing Gabriel. On monthly billing, cancellation takes effect at the end of the month you have paid for, and partial months are not refunded. On yearly billing, if you cancel within 30 days after a yearly charge, Gabriel refunds that charge in full, and your membership ends when you cancel. On Gabriel Max, the refund is less what Gabriel paid for any root-cause or in-person urgent care visits you used in that time, and less $120 if your lab test kit has shipped. After those 30 days, cancelling stops your next renewal, your membership continues to the end of the year you have paid for, and the rest of that year is not refunded. Member pricing ends when your membership ends; orders you placed before then are still filled.
You can move to Emerald, Sapphire, or Onyx at any time. The terms of your new membership, including its three-month start, apply from the day you move.
Gabriel may change the price or benefits of Gabriel Core or Gabriel Max under Section 23 of the Agreement and will give you at least 30 days’ notice before a price increase takes effect. On yearly billing, a price increase takes effect at your next yearly renewal.
11. Referrals
Gabriel Core and Gabriel Max members can refer friends under the Referral and Affiliate Terms. When a friend you refer joins and pays for two months, you choose a reward, which replaces the standard referral reward and depends on the plan your friend joins. If your friend joins Gabriel Max, you choose $50 in cash or a $75 Apotheca gift card. If your friend joins Gabriel Core, you choose $27.50 in cash or a $41.25 Apotheca gift card. If your friend joins Gabriel Plus, you choose $20 in cash or a $30 Apotheca gift card, and your friend gets a $20 Apotheca gift card once the referral qualifies.
A friend who pays yearly counts once they have been a member for two months. The Referral and Affiliate Terms’ annual limit applies.
12. How the Agreement applies
These sections of the Agreement apply to Gabriel Core and Gabriel Max: Sections 1 to 5 (except Section 3A), Section 14 (delegated authority, AI support, and provider relationships), Section 18 (privacy, health information, and communications), Section 19 (member responsibilities), Section 21 (payments, billing, cancellation, and nonpayment, as changed by this supplement), Section 22 (suspension, termination, and disclaimers), Section 23 (dispute resolution, governing law, and updates), and Sections 24 to 26. The other sections (3A, 6 to 13, 15 to 17, and 20) describe the Emerald, Sapphire, and Onyx benefits, reimbursements, and Clinical Care Component and do not apply to Gabriel Core or Gabriel Max. The primary care part of both memberships is described in sections 2, 3, 4, and 13 of this supplement.
13. Taxes and accounts
The Primary Care Powered by Everdawn part of the fee is for medical care: $39 a month or $429 a year on Gabriel Core, and $69 a month or $759 a year on Gabriel Max. It is billed as its own item and is intended to be a qualified medical expense that a health FSA can reimburse. If you have an HSA, check with your plan or a tax advisor before paying the primary care part from it. The Gabriel membership part ($10 a month or $110 a year on Gabriel Core; $20 a month or $220 a year on Gabriel Max) is not represented as a qualified medical expense. Lab tests and prescriptions you buy through Gabriel are medical care that you can pay for with an HSA or FSA card. Gabriel can provide an itemized statement or receipt for each payment. Your plan’s rules decide what qualifies. This is not tax advice. Gabriel does not guarantee that any amount will be paid or reimbursed from an HSA, FSA, HRA, ICHRA, or other account, or that the fee or anything you buy is tax deductible.
14. Free Gabriel accounts
Gabriel is free to use. A free account includes unlimited messages with Gabriel for personal use, subject to fair use: to keep Gabriel fast and available for everyone, Gabriel may slow down or limit automated, scripted, or unusually heavy use. If Gabriel limits your use, it keeps answering your messages and never limits help in a crisis. Member prices come with Gabriel Plus, Gabriel Core, and Gabriel Max, and the care in this supplement comes with Gabriel Core and Gabriel Max.
Gabriel prices: signed in to a free account (one with no paid membership), you pay the Gabriel price on items that show one. On supplements, the Gabriel price is 20% off the listed price, or 15% off on practitioner-only brands such as Standard Process and MediHerb. On lab tests, the Gabriel price is 20% off the listed price of each test; the clinician authorization fee and any blood draw fee are charged in full. Both apply on every order, with no limit. A Gabriel price is never lower than the Gabriel Plus, Gabriel Core, and Gabriel Max price for the same item, so on some items the saving is smaller, and a few items are at the listed price. On Hyperice equipment, you pay its Gabriel price, which is never more than the listed price. Prescriptions are at the listed price on a free account; member prices on them come with Gabriel Plus and Gabriel Max. A prescription’s price is shown before you are charged, and you are charged only if a licensed clinician approves it. Gabriel prices are for your personal use: you may not resell what you buy at them or buy for resale, and if Gabriel reasonably believes purchases are being made for resale, Gabriel may decline or cancel those orders or end Gabriel prices on your account. Research-use products are not included. The price in your quote is the price you pay.
Shipping on a free account: when an order’s price does not include shipping, standard shipping is added at checkout, whatever the order’s total, and shown before you buy. Free shipping comes with Gabriel Plus, Gabriel Core, and Gabriel Max (sections 3 and 4 of this supplement, and the Gabriel Plus Membership Supplement).
Help with bills and claims, once Gabriel offers it: when Gabriel negotiates a medical bill or appeals a denied claim for a free account, you keep 75% of what Gabriel saves or recovers. Gabriel’s fee is the other 25%, charged only after a success.
Gabriel Plus Membership Supplement
Version 2026-11-05b. This supplement sets out the terms of Gabriel Plus, a membership offered by Gabriel Care LLC. The Gabriel Care Membership and Benefits Agreement (the “Agreement”) also applies, as described in section 9, and so do the sections of the Gabriel Core and Gabriel Max Membership Supplement that this supplement names. It replaces version 2026-11-03b of this supplement. If this supplement and the Agreement differ about Gabriel Plus, this supplement controls.
1. What Gabriel Plus is
Gabriel Plus is a membership for buying at member prices. It includes unlimited messages with Gabriel, in the app and by text, for personal use, the Gabriel Max member prices on what you order through Gabriel, and free standard shipping on orders of $75 or more.
Gabriel Plus does not include medical care. It does not include virtual urgent care, virtual primary care, clinician visits, the care team’s clinical services, the Gabriel Max extras, a wellness budget, reimbursements, or Saved Care. Gabriel Plus is not health insurance or Medicare coverage and does not replace either. Gabriel Max adds care, under its own supplement.
2. Price and billing
Gabriel Plus costs $19 a month, or $209 a year, for your whole household. The price does not change with the number of people on it.
Monthly billing is charged monthly in advance and renews automatically each month until you cancel. Yearly billing is charged yearly in advance and renews automatically each year until you cancel. Before each yearly renewal, Gabriel emails you a reminder with the amount and how to cancel, at least 15 days and no more than 45 days before the renewal date. Both are charged to the payment method you choose. There is no minimum term. Taxes are added where required.
You can switch between monthly and yearly billing, or move up to Gabriel Max, by texting or emailing Gabriel. A change of billing takes effect on your next billing date. A move to Gabriel Max starts when you ask, under its terms and price.
3. Member pricing and shipping
You pay the Gabriel Max member price on supplements, lab tests, prescriptions, and other items that show one. Gabriel Plus and Gabriel Max pay the same member prices; Gabriel Max adds care. Section 5 of the Gabriel Core and Gabriel Max Membership Supplement applies to these prices: how they are set, brands that limit discounts, buying for your household and as gifts, and the rule against resale.
Free shipping: free standard shipping to US addresses on orders placed through Gabriel when the items come to $75 or more, counted at the prices you pay, before shipping and taxes. Some items and partners may be excluded, such as cold-shipped or oversized items, and checkout shows whether an order ships free before you buy.
4. Prescriptions
Section 6 of the Gabriel Core and Gabriel Max Membership Supplement applies to prescriptions and to tests or treatments that need a provider’s order. A licensed provider decides whether a prescription is right for you, and a visit or evaluation that a prescription needs is not included in Gabriel Plus; its price is shown before you are charged.
5. Your household
Your household is you, your spouse or partner, and your children who live with you. Each adult who uses Gabriel has their own login and accepts these terms for themselves; you manage the accounts of children under 18. Your membership is personal to your household and cannot be transferred, and you may not share your login.
6. Fair use
Section 9 of the Gabriel Core and Gabriel Max Membership Supplement applies to messages with Gabriel.
7. Referrals
Gabriel Plus members can refer friends under the Referral and Affiliate Terms and earn the referral reward in section 11 of the Gabriel Core and Gabriel Max Membership Supplement. When a friend joins Gabriel Plus, the reward is your choice of $20 in cash or a $30 Apotheca gift card, and a friend who joins Gabriel Plus with a member’s personal referral link gets a $20 Apotheca gift card once the referral qualifies.
8. Cancellation and changes
You can cancel at any time in your account or by texting or emailing Gabriel. On monthly billing, cancellation takes effect at the end of the month you have paid for, and partial months are not refunded. On yearly billing, if you cancel within 30 days after a yearly charge, Gabriel refunds that charge in full, and your membership ends when you cancel. After those 30 days, cancelling stops your next renewal, your membership continues to the end of the year you have paid for, and the rest of that year is not refunded. Member pricing ends when your membership ends; orders you placed before then are still filled.
Gabriel may change the price or benefits of Gabriel Plus under Section 23 of the Agreement and will give you at least 30 days’ notice before a price increase takes effect. On yearly billing, a price increase takes effect at your next yearly renewal.
9. How the Agreement applies
These sections of the Agreement apply to Gabriel Plus: Sections 1 to 5 (except Section 3A), Section 14 (delegated authority, AI support, and provider relationships), Section 18 (privacy, health information, and communications), Section 19 (member responsibilities), Section 21 (payments, billing, cancellation, and nonpayment, as changed by this supplement), Section 22 (suspension, termination, and disclaimers), Section 23 (dispute resolution, governing law, and updates), and Sections 24 to 26. The other sections describe the Emerald, Sapphire, and Onyx benefits, reimbursements, and Clinical Care Component and do not apply to Gabriel Plus.
10. Taxes and accounts
No part of the Gabriel Plus fee is for medical care, and Gabriel does not represent it as a qualified medical expense or as HSA or FSA eligible. Lab tests and prescriptions you buy through Gabriel are medical care that you can pay for with an HSA or FSA card. Gabriel can provide an itemized receipt. Your plan’s rules decide what qualifies. This is not tax advice. Gabriel does not guarantee that any amount will be paid or reimbursed from an HSA, FSA, HRA, ICHRA, or other account, or that the fee or anything you buy is tax deductible.