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
| Who collects, and where | Gale's fee | Charged |
|---|---|---|
| Gale takes the payment by card, every state except New York and Texas | 3.5% of the payment, card fees included | When the payment is made |
| Gale takes the payment by card, New York and Texas | A fixed $1.00 per paid transaction, plus passthrough of third-party payment costs | When the payment is made |
| The practice collects on its own (private-pay superbill, Medicare, Medicaid, commercial insurance), every state | A flat $10 per claim, billed to the practice | Once, when the claim is filed |
| A membership the practice sells | The same card schedule, computed separately on each membership payment | When the payment is made |
The fee
Gale's platform fee depends on who collects the payment. When Gale takes the payment by card, the fee is 3.5% of the payment, card fees included. When the practice collects on its own — a private-pay superbill, Medicare, Medicaid or commercial insurance — the fee is a flat $10 per claim, billed to the practice once, when the claim is filed; a resubmitted or appealed claim is not charged again. An insured visit whose copay Gale takes by card pays both. In New York and Texas, where percentage fee-sharing is restricted, a card payment instead carries a fixed $1.00 per paid transaction plus passthrough of third-party payment costs. The fee is never charged as a subscription, never with per-feature line items. 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.
- Card fees included means card clearing is inside the 3.5% — outside New York and Texas there is no separate billing-cost line, and no percentage on a payout row other than Gale's.
- The card fee applies only when a payment is made. The $10 per claim is charged when the claim is filed, whether or not the payer pays it; a resubmitted or appealed claim is not charged again. A no-show with no claim and no card payment costs nothing, and so does a month with no card payments and no claims filed.
- Gale takes nothing out of a payer's payment. The payer pays the practice; the $10 is billed to the practice separately, whatever the practice charges.
- An insured visit whose copay Gale takes by card pays both: 3.5% on the copay and $10 for the claim. On a $25 copay that is $0.87 plus $10, or $10.87.
- 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. The $10 per claim is already a fixed fee and applies there unchanged.
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 3.5% card fee, 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
Three older fee statements survive in print, and this Schedule supersedes all three 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 is the fee.
- The flat 3.5% on every rail, card and insurance alike (founder-ratified 18 July 2026). Since 29 September 2026 the 3.5% prices only a card payment Gale takes; a claim the practice collects on its own carries the flat $10 instead.
Gale's Privacy Policy and the Notice of Privacy Practices still recite a superseded schedule in their body text. Each now carries a dated supersession note (29 September 2026) pointing here — never a silent edit — and their text is restated at their next revision. 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.