Guide to Getting the Most from Garner.

Your free benefit from Garner covers up to $4,000 for individuals and
$8,000 for families per year.


How to get started


Step 1

Find a quality doctor or get your existing doctor approved.

After activating your free account, sign in through the website or mobile app. Search doctors by tapping on “Find a doctor.” Type a symptom, condition, procedure, or specialty. Garner will provide a list of high-quality doctor recommendations in your network.

You can also contact a Garner Concierge to see if your existing doctor is covered.


Step 2

See a Garner-recommended doctor.

When you see a doctor who is recommended or approved by Garner, your out-of-pocket expenses will be reimbursed for the amount stated in the section below.

That’s it! Your check is on the way.

When you incur out-of-pocket expenses from or ordered by a Garner-approved doctor, Garner will automatically send you a reimbursement check. This includes any out-of-pocket expenses such as copays, office visits, medical tests, or major surgeries. Message your Concierge for more information.

Step 3

Welcome to Garner

Garner is a free innovative employee benefit that helps you find the highest-quality doctors in your network and helps cover your medical bills when you see them. This benefit has been paid for by your employer, and there is no cost to you.

After activating your Garner account, you can start saving thousands of dollars a year on your out-of-pocket medical expenses and get the highest-quality medical care. Your spouse/partner and children who are enrolled in your health plan can also enjoy this benefit.


How Garner works

Garner independently analyzes historical medical data for doctors in your area and recommends the highest-quality ones who:

• Have the best patient outcomes
• Practice medicine based on the latest research
• Have excellent patient reviews

You can use Garner to find a primary care doctor, a specialist, or a location like an MRI facility or urgent care center in your network with availability to see you.

What does Garner cover?

Finding a new provider

To find a new provider, simply sign in through the website or Garner Health mobile app and search doctors by tapping “Find a doctor.” If you have a new doctor you want to see who’s not listed on the website or app, check with your Concierge to see if they meet Garner’s quality standards.

Keeping your existing provider

Your existing primary care physician, gynecologist, and/or pediatrician can be
reimbursed by Garner. To receive the Garner reimbursement funds, you must contact your Garner Concierge to have these doctors added to your account before your visit.

If you have an existing specialist you want to continue seeing who is not listed on the website or app, please check with your Concierge to see if they meet Garner’s quality standards.

Continuity of care coverage

If, prior to your Garner membership, you were already receiving services for a specific
medical condition such as a pregnancy or major surgery, the related medical expenses may still be covered. Garner may reimburse for non-recommended doctors until safe transfer of care to a recommended doctor can be arranged. Contact your Garner Concierge to see if services for your pre-existing condition will be covered.

For such expenses to be eligible for reimbursement, you must notify your Garner Concierge that you want this care to be covered before you receive additional care.

Emergency care

Out-of-pocket expenses resulting from emergency care are eligible for reimbursement by
Garner regardless of whether the provider you see is recommended by Garner. If you visit an urgent care facility, it must be in your network to be covered.

Once you are discharged from the ER, please contact your Concierge to find a Garner-approved doctor for any follow-on care.

What services are covered?

Select services billed or ordered by a Garner-approved doctor are covered by Garner. These include lab tests and imaging (e.g., X-rays and MRIs, among others).

When you receive care from doctors who you don’t have the ability to select (e.g., an anesthesiologist for a surgery, a pathologist, or radiologist for an X-ray or an MRI), these
doctors’ services will be covered as long as the treatment was ordered by a Garner-approved doctor and are covered by your health plan.

How does reimbursement work?

Reimbursement amount

Because using Garner-recommended doctors keeps you healthier, your co-pay, deductible, and coinsurance will be paid when you receive care from these doctors. Garner covers services up to the following limits:

Up to $4,000 for individuals and $8,000 for families per year.

Covered payments

The out-of-pocket co-pay, deductible, and coinsurance expenses you incur from qualifying events and services listed above will be paid up to the limits listed above. These payments reward you for selecting Garner-recommended doctors.

When you incur medical expenses from or ordered by a Garner-approved doctor, Garner will automatically send you a reimbursement check that will arrive within six to eight weeks after the episode of care.

What does Garner cover?

Garner covers all of your qualifying medical bills up to the limit of your available reimbursement amount.


HSA compliance/Garner plan deductible

If you are enrolled in a qualified high deductible plan with an HSA, you will be required to meet a deductible of $1,400 for an individual and $2,800 for a group plan before receiving reimbursement from Garner.

How to contact Garner

The Garner Concierge can help you identify a doctor and provide guidance in the selection process. If you have questions or need help, call 866-761-9586 Monday through Friday from 8:00 a.m. to 8:00 p.m. ET or email us at

Garner has no financial relationship with the providers it recommends. Recommendations are based solely on Garner’s independent analysis of providers’ quality, efficiency, and availability.

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All of our programs function through employer-sponsored health plans. Garner Health is not an insurance company.
Garner Health is a Medicare Qualified Entity.

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