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Haven’t activated your account yet?

Claim Your Benefit

Your guide to getting the most from Garner

Your free benefit from Garner covers up to $2,000 for individuals and $4,000 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.


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 that is recommended or approved by Garner, your out-of-pocket expenses will be reimbursed up to the amount stated in the reimbursement section below.

That’s it! Your check is on the way.

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 app or website. Garner will mail you a reimbursement check. If you haven't already paid the bill, you have the option of Garner paying the provider directly.

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?

Garner-approved doctors

If you have a new doctor you wish to see or have an existing doctor that is not listed on the website or app, please check with the Concierge to see if they meet Garner’s quality standards.
It’s important to remember that for expenses to be reimbursed by Garner, you must either have selected that doctor on the Garner website or app, or contacted the Concierge to confirm that they are a Garner-recommended doctor prior to your doctor visit.
When you receive care from doctors that you don’t have the ability to select (e.g.,
an anesthesiologist for a surgery or a pathologist or radiologist for an X-ray), these doctor’s services will be covered as long as the treatment was ordered by a Garner-recommended doctor and is covered by your health plan.

Other covered services

Select services ordered by a Garner-approved doctor will be reimbursed. These include lab work and imaging (e.g., X-rays and MRIs, among others).

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 {{$XXX}} for individuals and {{$YYY}} for families per year.

Reimbursement amount

The out-of-pocket co-pay, deductible, and coinsurance expenses that 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. This includes any out-of-pocket expenses such as co-pays and deductibles. Garner also offers a convenient debit card for use at your doctor’s office or pharmacy. Message a Concierge for more information.

Covered payments

Covered payments

Garner covers all 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 $[[XXX] for an individual and $[[X2]] 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, 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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