Employees can request a Garner card by messaging the Garner Concierge. Only an employee, not a dependent, may request a card.

If you are enrolled in a high-deductible health insurance plan (HDHP) that is paired with a Health Savings Account (HSA), you are required to spend a minimum amount toward your health insurance deductible before you can request a Garner card to use with your Garner Health Reimbursement Arrangement (HRA). Note, this minimum 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 information.

Once you meet your minimum deductible, you may request a Garner card. However, your card may not be used for any expenses that you incurred prior to meeting your minimum deductible.

Once an employee has requested a Garner card for themselves, they may request additional cards for their dependent(s).

All Garner cards in a family share a common balance.

Although it is not required, you have the option to add a PIN when you activate your card.

Your Garner card comes preloaded with $500. Garner will maintain that $500 balance daily as long as you have a remaining balance in your total Garner benefit. If Garner cannot verify that you are using your card for reimbursable costs, we will pause your card and set your balance to $0.

To make a purchase that exceeds $500, message the Garner Concierge and request a balance increase. You may need to provide documentation and other information to confirm that your expense qualifies under your Garner plan.

Contact the Garner Concierge with any issues or questions regarding your card.

No. Once you request a Garner card, you will no longer receive reimbursements from Garner. You can now pay for qualifying out-of-pocket medical costs with your card.

No. You can only use your Garner card for prescriptions covered by your health insurance plan.

No. If you use a discount program such as GoodRx, SingleCare, or WellRx instead of your health insurance plan, you cannot use your card to pay for the cost of the prescription.

If you use your Garner card for a cost that doesn’t qualify and you are unable to get a refund for the transaction, kindly contact the Concierge to make arrangements to repay the purchase amount.

If we cannot match a transaction to a reimbursable claim, we may request additional information to verify the transaction.

Your Garner card will be paused if you do not respond to the request or cannot sufficiently verify the transaction.

If the Garner card was used for a non qualified transaction, you must repay the amount. Once you repay the transaction amount, Garner will reactivate your card. Reactivation will only be allowed one time. Garner will not continue to reactivate your card after additional non qualified transactions. 

If your Garner card is paused, you can still receive reimbursements for qualifying medical and pharmacy costs. After the runout period ends (90 days after your Garner plan’s next deductible renewal date), Garner will send you a check for all accrued claims that qualify for reimbursement since your Garner Card was paused.

If you use your Garner card for a cost that does not qualify, you must repay the transaction amount. You may repay the amount via a PayPal payment (sent to finance@getgarner.com) or a check payable to Garner Health Technology, Inc. sent to:

Garner Health
64 Bleecker Street, #103
New York, NY 10012
Attn: Claims

If your card was lost, stolen, or if you suspect fraudulent activity on your account, please contact the Garner Concierge as soon as possible. Garner will deactivate the card, review the card transactions, and issue a new card, if appropriate.

If you have a cost that qualifies for reimbursement that you did not pay with your Garner card, message the Garner Concierge to request a one-off reimbursement.

There are several reasons why your Garner card may be declined, including:

• Your Garner card is not activated.
• Your balance is insufficient for the transaction being attempted.
• Your Garner card has been paused or deactivated because Garner was unable to match your prior transaction(s) to qualifying out-of-pocket medical costs. Check your Concierge messages to see if this may be the case.
• You attempted to use the Garner card as a debit card. (Your card won’t work if “Debit” is selected — please select “Credit” if given the option.)
• The type of merchant is not allowed. Your Garner card will only work at facilities such as your doctor’s office, hospitals, or pharmacies. 
• The item being purchased may not be allowed (for example, a non-medical item such as a candy bar at a pharmacy).
• Your card was used before your benefit plan started.
• If a PIN was selected and used for the transaction, an incorrect PIN may have been entered in error.
• You attempted to use the Garner card at a self-checkout terminal that is not set up to accept medical charges. You may need to make your payment at a regular checkout.
• You attempted to use your Garner card at a small “mom and pop” shop or a grocery store pharmacy. Some small stores and grocery stores don’t have payment terminals that are set up to accept medical items.

If you need additional assistance, please contact the Concierge.

Your card should only be used for costs incurred in the current plan year. You may not use your Garner card in 2024 for costs incurred in the prior year.

At the end of the 2023 runout period (March 31, 2024), Garner will review all of your out-of-pocket medical costs from 2023 that qualify for reimbursement. We will compare these costs against the amount paid with your Garner card, and will send you a reimbursement check for the outstanding balance.

If you have 2023 costs that qualify for reimbursement that you did not pay with your Garner card, they will be reimbursed after Garner’s review process. However, if you have specific costs that qualify for reimbursement that were not paid for with the Garner card please contact the Concierge to let us know.