The Garner Visa® Benefits Card comes preloaded with funds to pay for qualifying out-of-pocket medical costs.* Use your Garner card to pay for both in-person and online medical costs. It works at facilities such as your doctor’s office, hospitals and pharmacies.
Message the Garner Concierge to request your card.
Your card will arrive in 3 to 4 weeks.
After your card request has been processed, Garner will change how you are reimbursed. You should use your Garner Visa® Benefits Card to pay for qualifying out-of-pocket medical costs. By using the card, you will no longer have to wait for a reimbursement check to be mailed to you.
Employees of the company providing Garner as a benefit must make the request for a card. Dependents are not allowed to make the request. However, once an employee receives the Garner Visa® Benefits Card, they may request additional cards for dependents. All cards within a family share the same balance.
Cards come preloaded with $500. If you need to add additional funds to your card, contact the Concierge through the Garner Health mobile app.
Activate your card
Once you receive your Garner Visa® Benefits Card, call 877-315-3483 to activate it. Although you have the option to add a PIN #, it is not required. Once activated, you can also add the Garner card to your Apple Pay or Google Pay digital wallet.
Use your card
Use your Garner Visa® Benefits Card to pay for qualifying* out-of-pocket medical costs. You can use your Garner card in-person or online at facilities such as your doctor’s office, hospitals, or pharmacies. The card must be run as a credit card. Select "Credit" rather than "Debit" if given an option.
Garner reviews transactions 6 weeks after they occur to verify that the charge was for a qualified medical cost. If Garner cannot confirm that a Garner Visa® Benefits Card transaction qualifies under your plan, we may request additional information to verify the transaction. Please respond promptly. For your protection, your card will be paused if you do not respond to the request or cannot sufficiently verify the transaction. If used for non-qualified costs, your card may be deactivated.
Make sure your costs qualify for reimbursement.
Garner reimburses qualifying out-of-pocket medical costs that include office visits, lab work, imaging and procedures ordered or administered by your approved providers. To learn if other medical costs qualify for reimbursement, log into your Garner account and navigate to the benefit section.
Your out-of-pocket medical costs will qualify for reimbursement if:
You have created a Garner account and added the provider to your list of approved providers prior to the date of service.
Your provider is in-network and the cost was covered by your health insurance plan.
The type of cost qualifies for reimbursement under your Garner plan.
If your health insurance plan is paired with an HSA, you will need to incur costs greater than the minimum deductible.
Message the Concierge before making purchases over $500 for authorization and to check if the cost qualifies.
Transition from 2024 to 2025
If you requested a Garner Visa® Benefits Card in 2024, you do not need to request a new card in 2025.
Garner will renew your card’s funds in 2025, and your card will remain active in 2025, providing that the following are true:
Your account was in good standing in 2024.
You do not have an HDHP plan. A Garner Visa® Benefits Card may only be activated once you have met your minimum deductible. For more information on this minimum deductible amount, check the “Your benefit” page in the Garner Health app for more information.
Starting in January 2025, you should only use your Garner Visa® Benefits Card for out-of-pocket medical costs incurred in 2025 (the current plan year.) You may not use your card in 2025 for costs incurred in 2024. At the end of the 2024 runout period (March 31, 2025), Garner will review all of your out-of-pocket medical costs from 2024 that qualify for reimbursement. We will compare these costs against the amount paid with your Garner Visa® Benefits Card and will send you a reimbursement check for the outstanding balance. If you have out-of-pocket medical costs that qualify for reimbursement from 2024 that you did not pay for with your Garner card, they will be reimbursed through this 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.
Frequently asked questions
Can I request a Garner card if I’m enrolled in a health insurance plan that is paired with an HSA?
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.
How do I request a Garner card for my dependent(s)?
Once an employee has requested a Garner card for themselves, they may request additional cards for their dependent(s).
How do dependent Garner card balances work?
All Garner cards in a family share a common balance.
What is my Garner card’s balance?
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.
How do I increase my Garner card balance?
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.
Who should I contact if I have an issue?
Contact the Garner Concierge with any issues or questions regarding your card.
Will I receive reimbursements from Garner if I have a Garner 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.
Can I use my Garner card for prescriptions not covered by my health insurance plan?
No. You can only use your Garner card for prescriptions covered by your health insurance plan.
Can I use my Garner card for prescriptions paid for with a discount program?
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.
What should I do if I accidentally use my Garner card for a cost that doesn’t qualify for reimbursement by Garner?
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.
What happens if Garner cannot verify a transaction?
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.
What happens if my Garner card is paused?
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.
How do I repay Garner for a non qualified transaction?
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
What should I do if I lose my Garner card or if I suspect that my card was stolen or has been used fraudulently?
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.
What if I have a qualifying medical cost that I did not pay with my Garner card?
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.
Why was my Garner card declined?
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.
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