Network Adequacy: Why Compliant Networks Still Fail Members
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Lower plan costs without changing networks
Garner rewards employees for seeing the best doctors in their network. Better care means lower healthcare costs for everyone.
- 12%
- Lower plan costs on average
- 46%
- Average engagement
- <60
- days to launch
Your healthcare spend comes down to which doctor employees see
Point solutions and shifting costs to employees won’t fix what’s driving your spend. Much of it comes from unnecessary procedures and avoidable complications, and employees have no way to tell which doctors deliver the best results. Garner is a simple plan addition that evaluates doctors on 650+ clinical metrics across 88 specialties, then uses incentive accounts to guide employees to the highest performers in their existing network.
How Garner works
Garner surfaces the best doctors in your network
Garner’s proprietary methodology analyzes more than 320 million patient outcomes to see which doctors deliver the best results. Those doctors earn Top Provider status.
Garner helps pay for employees’ care
When employees see a Top Provider, their eligible out-of-pocket costs are reimbursed through an employer-funded incentive account.
Costs go down for everyone
Employees get better care for less, and employers see 12% lower plan costs on average.
Better care costs less
44% fewer unnecessary procedures
When members see Top Providers, spinal fusions occur 44% less often. Top Providers recommend surgery only when it’s needed, sparing employees the risk and the expense.
75% fewer complications
Members who see Top Providers have 75% lower complication rates than those who see low-performing doctors. Fewer complications mean faster recoveries and less follow-up care.
15% fewer serious health events
Employees who use Garner experience 15% fewer heart attacks and strokes and 10% fewer ER visits.
27% lower cost of care
When employees see Top Providers, episodes of care cost 27% less on average. Better outcomes and lower costs go hand in hand.
Fast and easy to launch, with no changes to your network or carrier
Garner works alongside your current plan, with no network changes or complex integrations. All we need is an eligibility file.
Garner implements in less than 60 days and our team handles the heavy lifting, so yours doesn’t have to.
Garner works with all plan types and carriers nationally, including fully insured and self-funded plans. It’s fully HSA-compliant, with traditional and First Dollar HSA options.
Garner puts up to 100% of its fees at risk for enterprise clients, and up to 300% for mid-market clients, against total claims cost targets.
See how our guarantee works →
Garner works with every type of employer plan
Self-funded plans
Garner helps self-funded employers lower total claims by guiding employees to the best doctors in their network. Self-funded clients see 11% net savings on average.
Fully insured plans
Garner lowers claims experience for fully insured employers, which can strengthen their position at renewal. Fully insured clients see 14% net savings on average.
HDHP and HSA-qualified plans
Garner is fully HSA-compliant. Employers can choose a traditional post-deductible model or a First Dollar HSA option that helps employees save more while staying IRS-compliant.
We put our fees on the line
One simple per-employee fee covers everything, including administration and employee reimbursements. That fee is tied directly to your results: if we don’t hit your savings targets, we refund up to 300%* of your fees. We measure savings by comparing your expected plan costs to actual costs, with our fee included.
*Guarantee terms vary by group size.
What employers are saying about Garner
“We had worked with benefit brokers in the renewal process, and the conversation was always the same: This is your benefit and it’s going up, so what can we cut? That’s not a win-win for our employees. Garner aligns with our culture because it eliminates the barriers to getting care and gives our people a better experience. It shows we care when we connect employees with the best doctors and save everybody money.”
See what better care could save your plan
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