What this document is
This Schedule is the only Gale document that states a fee in numbers. Every other Gale document, page, and agreement states fees by reference to this Schedule and repeats no digits. Where an older document or page still recites a number, the number here governs, and the older text receives a dated supersession note — never a silent edit.
This Schedule is incorporated by reference into Gale's Terms of Service. Gale's privacy documents state no fees.
The fee is charged to the clinician's practice — under federal health-privacy law the covered entity — by Gale Care Inc., its business associate. And the commitment that binds every Gale document binds here without a narrower version: Gale will never use your personal or health information for advertising or marketing, and will never sell it. Gale's compensation is the fee on this page, and nothing else.
The schedule at a glance
| Where | Gale's fee | Charged |
|---|---|---|
| Every state except New York and Texas | A flat 3.5% all-in of the paid transaction | Only when the practice is paid |
| New York and Texas | A fixed $1.00 per paid transaction, plus passthrough of third-party payment costs | Only when the practice is paid |
| A membership the practice sells | The same schedule, computed separately on each membership payment | Only when the practice is paid |
The fee
Gale's platform fee is a flat 3.5% all-in per paid transaction — charged only when the practice is paid, never as a subscription, never with per-feature line items. In New York and Texas, where percentage fee-sharing is restricted, the fee is a fixed $1.00 per paid transaction plus passthrough of third-party payment costs. There are no other Gale fees. Changes take effect no sooner than 30 days after notice, and never retroactively.
That paragraph is the canonical statement. What follows explains it; if an explanation and the paragraph could ever be read differently, the paragraph governs.
- The fee is charged to the practice, never to the patient.
- All-in means card clearing is included — outside New York and Texas there is no separate billing-cost line, and no percentage on a payout row other than Gale's.
- The fee applies only when the practice is paid. An unpaid claim, a no-show, a written-off balance: no fee. A month in which nothing is collected costs the practice nothing.
- In New York and Texas the percentage is replaced entirely, because those states' fee-splitting law reaches percentage-based compensation. Third-party payment costs (card processing, clearinghouse) are passed through at cost and itemized separately, so the only percentage on a payout row there is a third party's own charge.
Memberships the practice sells
A practice on Gale may sell a membership — a monthly plan for ongoing care, on the practice's own terms. When it does:
- The membership is the practice's, not Gale's. The patient's contract is with the practice. Gale mandates no uniform benefits; the practice writes its own terms, starting from editable templates.
- Gale is the practice's billing and servicing agent — an agent of the payee. A payment made to Gale discharges the patient's obligation to the practice for that payment. Funds settle to the practice's account.
- Gale's fee on a membership payment is the same flat 3.5%, separately computed on each payment the practice receives — never a retained spread between what the patient pays and what the practice is owed.
- Price rails, enforced in the product. The practice sets its own membership price, up to $150 per month for an individual and $300 per month for a family — the Internal Revenue Code's bright line for HSA-compatible direct primary care arrangements (26 U.S.C. § 223(c)(1)(E)). The software blocks a price above the rail and explains why; it never silently accepts one.
- A monthly membership cancels at the patient's request, honored immediately.
- The funding source never changes the fee or the rails. Whether the patient pays out of pocket, spends an employer stipend, or draws on an ICHRA allowance, the price is the practice's price, the rails are the same rails, and Gale's fee is the same fee. Funds follow the patient; Gale sells nothing to employers.
Membership enrollment is not open. This section describes the terms that govern from commercialization onward. No membership is offered or sold today, and the software's selling switch is off by default and fails closed.
What this Schedule supersedes
Two older fee statements survive in print, and this Schedule supersedes both wherever an older document still recites them:
- The origination-tiered cash schedule ratified 10 July 2026 — 8% / 3.5% / 6% of a self-pay transaction depending on who brought the patient. One flat rate replaced it (founder-ratified 18 July 2026); origination no longer changes the price.
- The built-in insurance default of $2.50 per paid transaction plus 15% of the amount paid, as a statement of Gale's fee. The canonical paragraph above — one flat all-in rate, no separate billing-cost line — is the fee.
Gale's Privacy Policy and the Notice of Privacy Practices still recite the superseded schedule today. They receive dated supersession notes in their next counsel revision — never silent edits. Until then, this Schedule governs.
Changes
Changes to this Schedule take effect no sooner than 30 days after notice, and never retroactively. Every change increments the version above and carries its date; a fee the practice was charged under an older version is never restated under a newer one.
Owner
This Schedule has a named owner — one person accountable for keeping it true against the code that computes the fee: To be completedthe named owner of the Fee Schedule. The fee the software actually charges is served from the billing service's fee configuration; this document and that configuration are kept in agreement, and a divergence between them is a defect in whichever one is wrong.