Welcome to Garner.
We make finding great health care worry-free.
Garner is an innovative healthcare benefit that helps you and your family find the best doctors and save money on medical costs.
Welcome to Garner.
We make finding great health care worry-free.
Garner is an innovative healthcare benefit that helps you and your family find the best doctors and save money on medical costs.
STEP 1: FIND TOP PROVIDERS
Now you can easily find the best doctors for your specific needs.
With our powerful doctor search tool, you can find the highest-quality doctors who are nearby, have availability to see you and are in-network. Each Top Provider has a proven track record of accurate diagnosis and successful treatments.
How do we know who the best doctors are? Garner independently analyzes the largest claims dataset in the United States to objectively evaluate doctor performance. We identify the Top Providers who consistently deliver outstanding patient outcomes. When you choose a Top Provider, you can trust you’re receiving the best care available.
Recommendations are based solely on independent analysis, not commissions or fees. Garner has no financial relationships with doctors.
STEP 2: GET REIMBURSED
Get reimbursed for your out-of-pocket medical costs.
We understand that healthcare costs can add up quickly. That’s why Garner goes the extra mile to support you financially. After you find a Top Provider on the Garner Health app or website, they are automatically added to your list of approved providers as soon as they are visible on your screen. Out-of-pocket medical costs from approved providers may qualify for reimbursement after the date they are added. This includes copays, office visits, medical tests and even major surgeries for you and family members on your health insurance plan.
Simply log in to your account and go to the “Your benefit” page on the home screen to view your total reimbursement amount, coverage dates and other details about your Garner plan.
Follow these steps to ensure your check arrives soon.
Make sure you create a Garner account and find your Top Provider in the Garner Health app before your appointment. Doctors with a Top Provider badge are automatically added to your account as soon as they are visible on your screen.
- Receive care from a Top Provider.
- Pay any upfront costs for copays as you normally would.
- Your Top Provider will submit the costs for your visit to your health insurance company.
- Garner will automatically receive your claim information from your health insurance company. Your reimbursement check will be mailed in approximately 6-8 weeks after you receive care.
Expert help when you need it.
Our dedicated Concierge is here for you. For assistance, you can message the Concierge through the Garner Health mobile app, getgarner.com or concierge@getgarner.com Mon. – Fri., 8 a.m. to 8 p.m. ET. Se habla español.
Watch the video
Watch this video to learn how Garner finds the best providers and saves you money.
Watch the video
Watch this video to learn how Garner finds the best providers and saves you money.
Frequently Asked Questions
HOW TO USE GARNER
- Create a Garner account online at getgarner.com or by downloading the Garner Health mobile app from the Apple App Store or Google Play Store. (A family needs just one account.)
- Create your list of approved providers by finding Top Providers in the Garner Health app. Doctors with a Top Provider badge are automatically added to your list of approved providers as soon as their Top Provider badge appears on your screen. Out-of-pocket medical costs from approved providers will qualify for reimbursement on or after the date the provider was added to your list.
- Check your “approved providers” page to ensure doctors are added to your account on or before the date you receive care.
- You can find an overview of your Garner benefit in the “Your benefit” section in the Garner Health app.
You can view all the details about your Garner benefit by clicking “Your benefit” on the home screen of your Garner Health app.
Your family only needs one account. However, any dependent over the age of 18 who is on your health insurance plan is welcome to create their own account.
To change your language to Spanish, go to your account settings by clicking on the gear icon. Under the “Language” section, choose “Spanish” from the drop-down menu.
HOW DOES GARNER WORK?
Top Providers are the best-performing medical professionals that Garner has identified through an analysis of over 60 billion medical records representing more than 310 million unique patients. Top Providers are the top 20% of all providers in the industry. They are highlighted in the Garner Health app with a green Top Provider badge and represent the best available doctors near you who are in your network and have appointment availability.
Garner has compiled and analyzed the largest medical claims database in the United States to objectively identify the top 20% of all providers. These Top Providers have shown to:
- Practice the latest medical research
- Successfully diagnose problems
- Produce the best patient outcomes
- Get the highest patient satisfaction ratings
Garner has no financial relationships with doctors. Garner recommendations are based solely on independent analysis, not commissions or fees.
Next, find Top Providers. You can search by name or by the type of care you need. Top Providers have a green badge next to their name and are automatically added to your list of approved providers as soon as they are visible on your screen.
We try our best to recommend Top Providers that are in-network with your health insurance plan. Since insurance companies change their networks regularly, we always recommend verifying with your health plan that a provider is still in-network on or before the day of service.
No. You may choose to receive care from a doctor who is not a Top Provider. However, those out-of-pocket costs will not qualify for reimbursement.
Your employer cares about your health. In order to help you find the best care, your employer pays for you to have the Garner Health benefit.
Because receiving better care results in better outcomes with fewer complications, patients who see Top Providers will generally pay less in the long run and be healthier overall. Garner helps your employer pass these savings along to you through an innovative health reimbursement arrangement (HRA) that incentivizes getting the best care and staying healthier. It’s a win-win for everyone involved.
ABOUT APPROVED PROVIDERS
Go to the “Settings” page in the Garner Health app by clicking the gear icon in the upper right corner of the home screen and select “Approved providers” in the menu.
Top Providers are automatically added to your list of approved providers as soon as their Top Provider badge is visible on your screen. The Concierge may also add approved providers to your account. Just remember, all providers must be in-network and your health insurance plan must cover the services you receive for any out-of-pocket costs to be eligible for reimbursement.
ABOUT REIMBURSEMENT
- You have created a Garner account and added the provider to your list of approved providers prior to the date of service. (Learn how to add providers to your list.)
- Your provider is in-network and the cost was covered by your health insurance plan. (Check your health insurance plan.)
- The type of cost qualifies for reimbursement under your Garner plan. Depending on your Garner plan, costs for things like prescription drugs or emergency services may or may not qualify for reimbursement. (Check the “Your benefit” page in the Garner Health app to learn more.)
- If your health insurance plan is paired with an HSA, you will need to incur costs greater than the minimum deductible. (Check the “Your benefit” page in the Garner Health app to see if this requirement applies.)
When you receive care from an approved provider, pay your upfront costs as usual. Garner has access to your insurance plan’s claims. After your health insurance company processes the claim, Garner will reimburse your qualifying out-of-pocket medical costs.
Because the speed that billing departments submit claims to your health insurance company can vary, we’ve found it typically takes 6-8 weeks to receive reimbursement after the service takes place. Your reimbursement check will arrive in a plain white envelope.
HOW GARNER WORKS WITH HSAs AND FSAs
An HSA is a Health Savings Account. You and your employer are able to contribute pre-tax dollars to this account. Because of IRS requirements, two main rules apply.
First, if you have a high-deductible health insurance plan (HDHP) that is paired with an HSA, you are required to spend a minimum amount toward your health insurance deductible before you can utilize your Garner HRA. This amount changes annually and depends on whether you have a family or individual plan. Check the “Your benefit” page in the Garner Health app for more detailed information about this amount. Note that this rule applies even if you are not actively contributing to your HSA this year.
Second, you may not request reimbursement from your Garner HRA for any out-of-pocket cost you have already paid for using funds from your HSA. This is often referred to as double dipping and is prohibited by the IRS.
If you have an HSA through your employer-sponsored high-deductible health plan (HDHP), you must first spend the minimum amount toward your health insurance deductible. Once you spend that amount, you are able to utilize the Garner HRA.
You are not required to spend HSA dollars on Garner-approved providers. However, we encourage you to seek care from Top Providers.
Garner tracks the claims we receive from your health insurance. Once you spend $1,500 for individuals or $3,000 for families in 2023 or $1,600 for individuals or $3,200 for families in 2024, we will start issuing reimbursement checks for qualifying out-of-pocket medical costs. You can also visit your health insurance carrier’s website to determine the progress you’ve made toward meeting this minimum deductible spending amount.
Importantly, meeting your deductible doesn’t mean you have to wait to start using Garner. You can still set up a Garner account and search for doctors before your visit. This ensures that your qualifying out-of-pocket medical costs will qualify for reimbursement as soon as you meet the IRS out-of-pocket requirement.
If you have a health Flexible Spending Account (FSA), special rules apply to your Garner benefit. You may not be reimbursed by the Garner HRA for an out-of-pocket medical cost that will also be paid using your FSA. This is often referred to as double-dipping and is prohibited by the IRS. If your Garner HRA and your FSA cover the same medical cost, we recommend you use and exhaust your Garner funds before using your FSA. You can save your FSA for when your Garner benefit has reached its limit or for out-of-pocket medical costs that do not qualify for reimbursement by Garner.
Click to see a more extensive list of FAQs.
- You have created a Garner account and added the provider to your list of approved providers prior to the date of service. (Learn how to add providers to your list.)
- Your provider is in-network and the cost was covered by your health insurance plan. (Check your health insurance plan.)
- The type of cost qualifies for reimbursement under your Garner plan. Depending on your Garner plan, costs for things like prescription drugs or emergency services may or may not qualify for reimbursement. (Check the Your benefit page in the Garner Health app to learn more.)
- If your health insurance plan is paired with an HSA, you will need to incur costs greater than the minimum deductible. (Check the Your benefit page in the Garner Health app to see if this requirement applies.)
All of our programs function through employer-sponsored health plans. Garner Health is not an insurance company.
Garner Health is a Medicare Qualified Entity.
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