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Haven’t activated your account yet?


Guide to Getting the
Most from Garner

Your free benefit from Garner covers up to {{$XXX}} for individuals and 
{{$YYY}} for families per year.


How to get started


Step 1

Find a quality doctor.

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-approved 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! We’ll reimburse you.

When you incur medical expenses from or ordered by a Top Provider, take a photo of the bill or Explanation of Benefits (EoB) and upload it to the app or website. Ensure that the document you upload has the following information: patient name, date of service, Top Provider name, medical services performed and amount.*

After a complete claim submission, Garner will mail you a reimbursement check. It usually takes four weeks for reimbursement checks to arrive in a plain white envelope.

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 physician, a specialist, or a location like an MRI facility or urgent care center in your network with availability to see you.

How to find a provider?

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 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 do reimbursements 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 {{$XXX}} for individuals and {{$YYY}} 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 reimburses all eligible 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 $[[XXX] for an individual and $[[X2]] for a group plan before receiving reimbursement from Garner.

How to contact Garner

The Concierge team is available through the Garner Health app or website or by calling 866-761-9586 Monday-Friday from 8:00 a.m. to 8:00 p.m. ET. 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.

Terms and Conditions.  Privacy Policy.  ©2021 by Garner Health Technology, Inc.

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