Find answers to common questions about Garner Health.
Employers typically see 10–15% reductions in total claims costs. Garner’s model aligns financial incentives so members choose high-quality, cost-efficient providers—generating savings that fund the member HRA benefit.
Garner analyzes millions of de-identified medical claims to evaluate physicians on clinical outcomes, procedure rates, adherence to evidence-based care, and cost efficiency within their specialty and geography. Providers are ranked relative to peers in the same market. See our data methodology.
No. Garner works as a layer on top of your existing health plan and provider network. Members continue to use their current insurance cards and can see any in-network provider. Garner simply guides them toward the best ones and rewards them financially when they do.
Garner combines a personalized provider recommendation engine with proactive outreach and a financial incentive—the Health Reimbursement Arrangement (HRA). Members receive guidance when they have a care need and earn cash reimbursements when they visit a Top Provider, creating a strong motivation to engage.
Garner pairs a Health Reimbursement Arrangement (HRA) with its provider recommendations. When a member visits a Garner Top Provider, the employer reimburses them directly—typically $0–$500 per visit—funded by the claims savings Garner generates. The HRA is the financial mechanism that makes the benefit tangible for employees.
Most navigation tools surface in-network providers or price estimates. Garner goes further by using proprietary quality rankings—built on millions of claims—to identify the best-performing doctors in each specialty and market, and then backs that guidance with a financial incentive that motivates members to act on it.
A Top Provider is a doctor or medical group that Garner has identified as delivering above-average clinical quality and cost efficiency within their specialty and local market. Garner designates Top Providers based on an analysis of millions of de-identified medical claims—not self-reported data or paid placements.
Garner integrates with most major carriers, TPAs, and HRIS platforms. Implementation requires a claims data feed from your carrier and a standard enrollment file. Garner’s implementation team manages the technical setup, member communications, and HRA configuration.
Garner analyzes millions of de-identified medical claims, evaluating patient outcomes, procedure rates, referral patterns, complication rates, and adherence to evidence-based clinical guidelines. Providers are ranked relative to peers in the same specialty and geographic market. Explore our full methodology.
Onboarding typically takes 60–90 days from contract signing to launch. Garner’s implementation team manages carrier data integration, member communication templates, and HRA configuration. Employers are not responsible for the technical setup. Explore Garner for employers.
Yes. Garner can launch mid-year because it adds a voluntary benefit layer that doesn’t change plan design or require open enrollment. Employers do not need to wait for their annual benefits renewal to get started.
Garner analyzes de-identified claims data across millions of patient encounters, evaluating factors like clinical outcomes, adherence to evidence-based care, complication rates, and cost efficiency. Providers who rank in the top tier of their specialty and geographic market earn the Top Provider designation.
Providers currently cannot access their individual rankings directly. Garner’s methodology is built on de-identified claims data that is not provider-reported, which keeps the rankings objective and independent. Providers designated as Top Providers may be notified of their status.
Yes. Members using Garner are actively guided toward Top Providers through personalized recommendations and financial incentives. Top Providers in markets where Garner operates may see increased patient volume from Garner members who are actively seeking care. Learn more about Garner for providers.
Garner covers a broad range of specialties, including primary care, orthopedics, cardiology, gastroenterology, OB/GYN, and more. Coverage is prioritized in the specialties and markets where quality variation and cost impact are greatest.
Health plans can offer Garner as a value-added benefit that reduces total claims cost, improves member outcomes, and differentiates their product in competitive employer markets—without changing plan design or network contracts. Learn more about Garner for health plans.
Yes. Garner works with both fully insured and self-funded arrangements. The majority of Garner’s current clients are self-funded employers, but the model is compatible with fully insured group health plans as well.
By directing members to high-quality, cost-efficient providers, Garner reduces unnecessary procedures, redundant testing, and avoidable complications. The result is lower total claims spend without restricting member choice or changing plan benefits.
Yes. Health plans can partner with Garner to embed the benefit within their employer group portfolio, enabling employers to reduce costs and improve outcomes without requiring a change to plan design or network.
Garner provides regular reporting on member engagement, Top Provider utilization rates, and estimated claims savings. Health plans can use this data to demonstrate ROI to employer clients and track the benefit’s impact over time.
Garner analyzes millions of medical claims to identify the doctors who deliver the best health outcomes in your area. Your employer has partnered with Garner and set aside money for you to use when you see a Top Provider. The better the doctor, the more money you can earn. Learn how it works.
Download the Garner app or visit the member portal to find Top Providers near you. When you see one, submit your Explanation of Benefits (EOB) to receive your reimbursement.
Garner reimburses for visits to Top Providers across a wide range of specialties. Eligible visits include primary care, specialist care, and certain procedures. Check the Garner app for details specific to your plan.
No. Garner does not accept payment from providers, and providers cannot pay to be designated as a Top Provider. Rankings are based solely on objective analysis of claims data.
No. Garner is not health insurance. Garner is a benefit that works alongside your existing health insurance to help you find the best doctors and earn money when you see them.