Your free benefit from Garner covers up to $3,000 for individuals and $6,000 for families per year.
How to get started
Find a quality doctor.
After activating your free account, sign in through the website or mobile app. Search doctors by tapping on “Find a provider.” Type a symptom, condition, procedure, specialty, or name.
Doctors with a Top Provider badge or a green “You’re all set” profile banner are eligible for reimbursement.
See a Top Provider
When you search Garner, doctors with a Top Provider badge or a green “You’re all set” profile banner are automatically associated with your profile. There is no need to let your Concierge know you plan to see them. Garner will reimburse any out-of-pocket costs related to services provided or ordered by a Top Provider.
Garner will not reimburse costs associated with doctors who don’t have a Top Provider badge or a green “You’re all set” profile banner. Contact a Garner Concierge with any questions.
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.
Welcome to Garner
Garner is a free healthcare benefit available through your employer. Garner is not health insurance. Our doctor search tool uses data science to identify providers who accurately diagnose and successfully treat patients. After activating your Garner account, you can start seeing any Top Providers you find through the Garner Health app or website. Garner will reimburse your out-of-pocket costs for services provided or ordered by our Top Providers.
Any dependents on your health plan - including spouses, partners, and children - can also use your Garner benefit.
How Garner works
Garner independently analyzes millions of patient health records to identify doctors in your area. Garner then recommends Top Providers who:
• Have the best patient outcomes.
• Practice medicine based on the latest research.
• Have excellent patient reviews.
You can use Garner to find nearby in-network doctors, specialists, or locations for an MRI facility or urgent care center with availability to see you.
How to find a provider?
Finding a new provider
To find a new Top Provider, sign in through the website or Garner Health mobile app and search doctors by tapping “Find a provider.”
If you search by symptom, specialty, condition, or procedure, all the provider options presented in your search will be Top Providers and eligible for your Garner benefit. If you search by name, make sure the provider’s profile contains a green “You’re all set” banner, which indicates they are automatically eligible for your benefit. There is no need to let the Concierge Team know you plan to see this provider, and you can proceed with making an appointment as you ordinarily would. Additionally, any provider recommended to you by the Garner Concierge is automatically eligible.
Keeping your existing provider
To continue seeing an existing doctor who is either not listed in Garner search results or isn’t a Top Provider, contact your Concierge to check the provider’s eligibility.
How do reimbursements work?
With Garner, you can see the best doctors who accurately diagnose and successfully treat patients without worrying about the cost. When you receive care from Garner Top Providers, Garner will reimburse your copay, deductible, and coinsurance costs:
For members on the Crown HSA Plan plan, Garner covers up to $1,500 of your medical bills per year for individuals and $3,000 for families.
For members on the Crown PPO2k plan, Garner covers up to $1,000 of your medical bills per year for individuals and $2,000 for families.
For members on the Crown PPO6k plan, Garner covers up to $3,000 of your medical bills per year for individuals and $6,000 for families.
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 Top Providers.
To submit claims to Garner, download your Explanation of Benefit (EOB) from your insurance plan or take a picture of the paper copy. Then, upload the EOB to your Garner account using the “Submit a claim” feature in the app or website. The document you upload must have the following information: patient name, date of service, provider name, medical services provided and payment amount.
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 $1,500 for an individual and $3,000 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.
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.