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Guide to Getting the
Most from Garner

Your free benefit from Garner covers up to $1,000 for individuals and
$2,000 for families per year.

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How to get started

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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.

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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 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.

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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.

What services are covered?

All services billed or ordered by a Garner-approved doctor are covered by Garner. These services include office visits, lab work, imaging (X-ray and MRIs, among others), hospital bills incurred during a surgery and prescriptions. Services must be covered by your medical plan at in-network levels to be covered by Garner.

When you receive care from doctors that 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 doctor’s 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 $1,000 for individuals and $2,000 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, 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.

What does Garner cover?

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

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What is a Garner Concierge?

Garner provides all members with access to a personal healthcare assistant who is available to help you find healthcare appointments, answer questions about your account, and navigate the healthcare system.

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 concierge@getgarner.com.

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.

Terms and Conditions.  Privacy Policy.  ©2022 by Garner Health Technology, Inc.