Not insurance.
Better.
Sanctum pairs a health sharing community with ACA-compliant coverage. Wellness, peptides, functional medicine, cannabis therapy, and full catastrophic protection. One seamless membership. $199/mo.
No credit card required. Free app access included.
Gabriel provides educational information, not medical advice.
Treatments & modalities we cover
Coverage
Everything your insurance won't touch.
$620/mo pooled wellness benefit ($1,200/mo on Sanctum Plus). Use it on any combination of these categories.
Wellness & Preventative
IV therapy, functional medicine, red light, acupuncture, and more.
Peptide Protocols
Physician-supervised peptide therapy covered in full.
Cutting-Edge Treatments
Regenerative and advanced therapies insurance calls "experimental."
Emergency & Catastrophic
No capHospital, surgery, ER. No annual limits. No lifetime cap.
Advanced Labs
Full panels, hormones, genetic markers.
Cannabis Medicine
CBD nationwide, THC in legal states. Practitioner required.
Psychedelic Therapy
Licensed facilities only. Clinician-supervised.
Advanced Diagnostics
Functional testing beyond standard bloodwork.
Mental Wellness
Therapy, counseling, psychiatric care.
Biological Dentistry
NewMercury-free, biocompatible dental care your insurance won't cover.
Gabriel Intelligence
FreeProprietary health AI trained on 68GB of holistic and integrative medicine. Free for every member.
Real costs
What these treatments cost without coverage.
With Sanctum, any combination is covered up to $620/mo. Pick what matters to you.
With Sanctum
Any combination covered up to $620/mo for just $199/mo
$1,200/mo on Sanctum Plus. Use your benefit on whatever matters most to you.
ACA Complete
Double-layer protection. One membership.
Sanctum bundles with a low-cost ACA plan so you get wellness coverage AND real catastrophic insurance. Mandate compliant in all 50 states.
Your wellness engine
Your catastrophic safety net
*After premium tax credits. Most members qualify for $0-50/mo.
Trust & transparency
Here's exactly where your money goes.
No hidden fees. No variable contributions. Every dollar of your $199/mo is allocated before it leaves your account.
Platform operations, AI infrastructure, customer support, claim processing, provider network.
Funds your $620/mo pooled wellness benefit across all categories. Published monthly.
Covers the gap between your commitment and ACA deductible. Double-layer catastrophic protection.
Separate reserve fund
Legally protectedYour catastrophic reserve is legally protected in a separate account. It exists for one purpose: covering major events.
No cap on emergencies
$500 max commitmentIf you get hit by a bus, we cover it. No annual limits, no lifetime caps on catastrophic coverage.
Published pool health
Updated monthlyWe publish our funding rates and pool balances monthly. You always know exactly how healthy the fund is.
Keep your insurance
No cancellation requiredMany members keep insurance for specific needs and use Care for everything else. Your choice, always.
How it works
Three steps. No paperwork.
Everything happens through your conversation with Gabriel. No forms, no phone trees, no claim codes.
Tell Gabriel what you need
Open the app and describe what you're looking for. An IV drip, lab work, a specialist, a peptide protocol. Just type it like you'd text a friend.
Gabriel provides educational information, not medical advice.
Treatment Intelligence
Track treatments. Measure impact.
Gabriel finds and books it
Matched to the best provider near you with pre-negotiated rates. Evidence-based treatment intelligence from 153,000+ clinical sources. One tap to confirm.
Get treated, we handle the rest
Show up to your appointment. Send a photo of your receipt in the chat. Gabriel verifies fair pricing and reimburses you within 48 hours. That's it.
Claims
Submit a claim in 30 seconds.
No forms. No portals. No phone calls. Just send a photo in the chat.
Snap a photo
Take a photo of your receipt or invoice. Send it to Gabriel in the chat. That's the entire submission.
AI verifies instantly
Gabriel extracts the provider, service, date, and amount. Cross-references against our provider directory and fair market rates. Confirms in seconds.
Reimbursed in 24-48 hours
Tap confirm. Money hits your bank account within 48 hours (24 hours for Sanctum Plus members). No waiting weeks. No crowdfunding.
I just had an IV therapy session at Restore. Here's the receipt.
Got it. Here's what I found:
This falls under your wellness benefit. You have $300 remaining this month.
Confirmed
Claim submitted. $200.00 will be deposited to your account ending in 4821 within 48 hours.
Fraud prevention: AI verification, NPI cross-reference, fair market rate check, duplicate detection, random provider audit.
Gabriel Intelligence
A health AI trained on everything your doctor wasn't.
Gabriel is powered by a proprietary large language model trained on the entire corpus of root-cause, holistic, and integrative medicine. Functional nutrition. Peptide therapy. Herbal protocols. Supplement interactions. Practitioner-grade clinical intelligence, available to everyone.
Gabriel provides educational information, not medical advice.
The platform
Everything else is free too.
The only thing that costs money is Sanctum: $199/mo for health sharing coverage.
Health Twin
Organ-level health tracking with gamified scoring and leveling.
Heart-Brain Coherence
Real-time nervous system monitoring via wearable integration.
Treatment Intelligence
Track treatments. Measure impact.
Treatment Intelligence
Track treatments and see how they move your biometrics.
Protocol Tracker
Personalized supplement and treatment schedules with reminders.
Savings
What are you paying today?
The average American pays $7,911/year in insurance premiums alone, with a $1,763 deductible, and gets $0 in wellness coverage.
*Most members qualify for $0-50/mo ACA plans after tax credits
Based on average insurance premiums + out-of-pocket wellness spending. Individual savings vary.
What members say
Real people. Real coverage.
See their stories
Video reviews coming soon
I was paying $680/month for insurance that covered nothing I actually used. Switched to Sanctum and now my IV therapy, peptide protocols, and labs are all covered. I'm saving over $5,000 a year.
The claim process is unreal. I sent a photo of my receipt in the chat, Gabriel verified it in seconds, and the money was in my account the next day. I've never experienced anything like this with insurance.
As someone who uses functional medicine, acupuncture, and NAD+ therapy, there was literally no insurance product that covered any of it. Sanctum changed that. Plus the AI health scoring is addictive.
Based on projected member experience. Real testimonials coming soon.
Pricing
Simple pricing. Real coverage.
Flat monthly rate. No surprise bills. No variable contributions. Connect a wearable to earn lower rates.
As low as $149/mo with wearable data
$620/mo wellness coverage ($7,440/yr)
As low as $249/mo with wearable data
$1,200/mo wellness coverage ($14,400/yr)
Family pricing: add members for $149/mo (Care) or $249/mo (Sanctum Plus) each.
How Sanctum compares
| Care | Sanctum Plus | Insurance | CrowdHealth | |
|---|---|---|---|---|
| Monthly cost | $199 | $299 | $400-800+ | $175-340+ |
| Annual wellness coverage | $7,440 | $14,400 | $0 | $0 |
| Catastrophic cap | None | None | Plan limits | None |
| Member commitment | $500 | $250 | $1,500-8,000+ | None |
| Peptides + cannabis | Yes | Yes | No | No |
| HBOT / stem cell / PEMF | Yes | Yes | No | No |
| AI health scoring | Yes | Yes | No | No |
| Wearable discounts | Yes | Yes | No | No |
| Claims processing | 48 hours | 24 hours | Weeks | Days |
| Cost variability | Fixed | Fixed | Fixed | Variable |
| ACA mandate compliant | Yes | Yes | Yes | No |
Common questions
Is this health insurance?
No. Sanctum is a health sharing community organized under ACA Section 1501. Members share medical costs through a pooled fund. This means we can cover things traditional insurance won't, like peptide protocols, cannabis medicine, and psychedelic-assisted therapy. You do not need to cancel your existing insurance to join.
Will this actually cover me if something serious happens?
Yes. The catastrophic reserve fund is specifically set aside for major events and is never touched for routine wellness claims. There is no cap on catastrophic coverage. Your $500 member commitment is the maximum you pay per event. We publish our pool health and funding rates transparently so you always know where things stand.
Should I cancel my health insurance?
That's entirely your choice. Many members keep traditional insurance for specific needs and use Sanctum for everything insurance won't cover: wellness, peptides, functional medicine, cannabis, psychedelics, and more. Some members do replace their insurance entirely and save thousands per year. We never pressure you either way.
What does the $500 member commitment mean?
For catastrophic and emergency events only (ER visits, surgery, hospitalization), you contribute the first $500. All preventative care, wellness visits, labs, and protocols have $0 deductibles. Think of it like a much lower deductible that only applies to major events.
How do I submit a claim?
Just tell Gabriel. Send a photo of your bill or forward the email. Our AI processes it, verifies fair pricing, and reimburses you within 48 hours for approved claims. No forms, no phone trees, no claim codes.
How does wearable pricing work?
Everyone starts at $199/mo. Connect a wearable for 30+ days to unlock $179/mo. Maintain 90+ days with a top-25% health score to reach $149/mo. Your data stays private and encrypted. We reward healthy behavior because it keeps the pool healthier for everyone.
What about pre-existing conditions?
We don't do blanket exclusions. Members with pre-existing conditions have a 12-month waiting period for related claims, or 6 months with demonstrated health engagement through wearable data and wellness visits. We believe in paths to coverage, not permanent lockouts.
What about regular doctor visits and prescriptions?
Your ACA Bronze plan covers conventional medicine: primary care visits, specialists, prescriptions, preventive screenings, and annual physicals. Sanctum covers everything your ACA plan won't: functional medicine, peptides, cannabis therapy, IV therapy, biological dentistry, and more. Together, there's no gap in your coverage.
What if Sanctum shuts down?
The catastrophic reserve fund is held in a separate account and is legally protected. If Sanctum were to cease operations, remaining funds would be distributed to cover outstanding member claims. Your money is never co-mingled with operating expenses.
How is my health data protected?
Your health conversations and personal data are stored locally on your device first, with optional encrypted cloud backup. Gabriel's AI infrastructure uses NVIDIA NemoClaw security—a policy-based privacy system that ensures sensitive health information is processed through secured, isolated environments. All data is encrypted in transit and at rest, and we're HIPAA compliant.
Ready to get covered?
Join the founding members getting coverage their insurance refused to touch.
No credit card required. Free app access included.