McGriff Benefits Advisors Drove Multi-Year Cost Reductions for Clients Across 8 Markets with Garner
Since 2021, McGriff advisors have used Garner's data-driven solution to steer employees to the best doctors in their existing network — driving down plan costs for employers while improving affordability for members. This partnership has grown to serve 27 mutual clients, 12 of whom went live in 2025, across diverse markets including Tennessee, North Carolina, Atlanta, Alabama, Texas, Kentucky, Minnesota, and more.
CASE STUDY 1 · SELF-FUNDED · 300 LIVES · REAL ESTATE
Real estate investment firm reverses growing medical trend
The challenge
A 300-life, self-funded real estate investment firm was facing an increasing medical trend and needed a solution that could deliver measurable, sustained cost reduction.
The solution
The firm implemented Garner and offered employees a $2,000 incentive toward their $3,500 deductible when they visited a Garner-recommended Top Provider — with no changes to their existing network or carrier.
The results
-11%
Capped paid claims reduction, Year 1 (net of Garner's fees)
-8.4%
Capped paid claims reduction, Year 2 (net of Garner's fees)
61%
Of members visited a Garner-recommended Top Provider
93%
Lower out-of-pocket costs for members visiting Top Providers
CASE STUDY 2 · FULLY INSURED · BCBS OF TENNESSEE · HOSPITALITY
Hospitality firm experiences large claims reduction in its first year
The challenge
A fully insured hospitality firm on BCBS of Tennessee came to their McGriff advisor to reduce rising claims and plan costs while offering employees richer benefits and greater affordability.
The solution
They offered a $5,000 Garner incentive on one of their high-deductible health plans — with no changes to their existing network or carrier.
The results
-17%
Capped paid claims reduction, Year 1 (net of Garner's fees)
-60%
Lower capped paid claims vs. non-Garner plan in Year 2 (which saw +55.4% growth)
84%
Of members used Garner to find a doctor
99%
Lower out-of-pocket costs for members visiting Top Providers
96%
Member satisfaction with Garner
CASE STUDY 3 · SELF-FUNDED · 250 LIVES · APPAREL MANUFACTURING
Apparel company improves affordability while reducing costs
The challenge
A 250-life, self-funded apparel manufacturing company — in business since 1927 — was seeing rising medical claims and needed a solution that could engage their largely hard-to-reach workforce.
The solution
They implemented Garner and offered employees a $2,000 incentive for visiting Garner's recommended Top Providers. Within three months, 70% of employees had signed up.
The results
-12%
Plan savings (net of Garner's fees)
90%
Lower out-of-pocket costs when utilizing Garner
88%
Of enrolled employees used Garner to find a doctor
95%
Member satisfaction with Garner