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Use Top Performing Providers and Get Money Back

FREE Health
Reimbursement
Arrangement (HRA)

Get reimbursed up to $1,000 for individuals or $2,000 for families enrolled in the Premier EPO, Choice HSA, or Value Copay Plan. Garner is a free benefit that helps you find top quality in-network doctors. Simply create your Garner account, search for and add Top Providers to your Care Team before your appointment, and get reimbursed for qualifying medical expenses - an easy way to maximize your health benefits and savings!

Individual Limit$1,000

Annual reimbursement limit for eligible out-of-pocket costs.

Family Limit$2,000

Annual reimbursement limit for eligible family costs.

Employee checking Garner HRA savings on phone
Affiliate Employee Testimony
“The entire Garner process has helped me immensely and is simple to use and find providers.”

Why Use Garner?

  • Find the Best Care

    It connects you with top-performing, in-network providers.

  • Pay Less

    It pays your share of costs when you use it.

  • Get Money Back

    It reimburses up to $1,000 – $2,000 a year, depending on your plan.

  • Why Wait?

    It’s simple, FREE, and saves you money!

Choose one of the Personify Health plans and Garner helps pay your costs when you see top-rated doctors.

It's Easy to Use!

  1. 1

    Get the App

    Get started with Garner: garner.guide/garner-account-YourBenefits, or download the Garner Health app from the App Store or Google Play.

  2. 2

    Create Your Account

    Use organization name: ENSIGN.

  3. 3

    Pick Your Doctor(s)

    Search the app and add Top Providers to your Care Team before your appointment.

  4. 4

    Receive Care & Get Reimbursed

    Pay as usual at the visit. After your health plan processes the claim, Garner automatically reimburses eligible out-of-pocket costs.

What's Covered?

Eligible out-of-pocket costs you paid when seeing an approved Top Provider, such as:

  • Office visit copays
  • Urgent care facilities
  • Procedures
  • Surgeries
  • Deductible amounts and coinsurance
  • Lab work and imaging (X-rays, MRIs)
  • Other services provided by or ordered by your Top Provider
Eligibility Note

Final eligibility is determined after your claim is processed by your health plan. See plan details for full terms.

Take Note

Choice HSA Deductible Note

If you are enrolled in the Choice HSA, you must meet a $1,750 individual or $3,500 family deductible before eligible out-of-pocket costs from Top Providers can be reimbursed through the HRA.

How It Works

01

Find a Top Provider

Garner analyzes extensive claims data to identify the top 20% of in-network doctors in your area. These "Top Providers" are selected for strong outcomes, evidence-based practice, and cost efficiency. Use the app or website to search and choose.

Important

Key requirement: Add the doctor to your Care Team before your appointment.

02

Get Care

Make an appointment with your approved Top Provider. Bring your normal insurance ID card and pay any applicable costs at the time of service.

03

Claim Processes

Your Personify Health plan processes the claim first. This ensures the amount you paid is accurate after network discounts and plan benefits.

04

Garner Reimburses You

Garner issues reimbursement for eligible out-of-pocket medical costs incurred when seeing a Top Provider (or for services ordered by that provider), up to your annual HRA incentive limit. You can choose direct deposit or a mailed check in the Garner app.