Haven’t activated your account yet?


Your Guide to Getting the Most from Garner

Your free benefit from Garner covers up to $1,500 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.

Your doctor must be added to your account by finding them on the app or website, or by confirming with your Concierge that they are Garner-recommended before you see them. When you see a Garner-recommended doctor, your out-of-pocket expenses will be reimbursed.

That’s it! We'll reimburse you.

When you incur medical expenses from or ordered by a Garner-recommended doctor, just take a photo of the bill or EoB (explanation of benefits) and upload it to the Garner Health app or website. Ensure that the document you upload has the following information: patient name, date of service, Garner-recommended provider, medical services performed and amount. Garner will mail you a reimbursement check.

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 is not listed on the website or app, check with your Concierge to see if they meet Garner’s quality standards.

To receive Garner reimbursement funds, you must either have found your doctor on the Garner website or app, or contacted your Concierge to confirm that they are a Garner-approved doctor prior to your doctor visit.

Keeping your existing provider

If you have an existing provider 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.

How does reimbursement work?

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 $1,500 for individuals and $1,500 for families per year.

Reimbursement amount

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, just take a photo of the bill or EoB (explanation of benefits) and upload it to the Garner Health app or website. Please include the following information: date of service, patient name, Garner-recommended or Garner-approved provider, medical service(s), and amount. If you haven’t already paid the bill, you have the option of Garner paying the provider directly.

Covered payments

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 $1,500 for an individual and $3,000 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, message your Concierge through the Garner Health mobile app or website, call 866-761-9586 Mon. – Fri. from 8 a.m. to 8 p.m. ET. or email concierge@getgarner.com. Se habla español.

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, self-insured or fully-insured health plans. Garner Health is not an insurance company.

Garner Health is a Medicare Qualified Entity.

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