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Introducing The Garner Card

The Garner Visa® Benefits Card is an easy way to pay for your Garner-approved out of pocket medical costs. This card can only be used to pay for medical expenses covered under your Garner plan.


Your Garner card comes preloaded with a limited amount of funds. If you need additional funds to pay for Garner-approved care, the concierge can increase your card benefit up to your Garner benefit amount. 

This card is issued by UMB Bank, n.a. pursuant to a license from Visa U.S.A. Inc.


Getting Started

Congratulations!  You should have received your new benefits card. 
Now what?

1. Call 877.315.3483 to activate your card.

Although it is not required, you also have the option to add a PIN # for the card.

2. If you would like to, you may also register your card on Apple Pay or Samsung Pay to complete transactions using your digital wallet. 
For more information go to:

3.  Start searching for doctors on the Garner app, and using the Garner card to pay for approved care from these doctors


What can I use my Garner card for?


You can use your Garner card to pay for any medical care that is covered by Garner. Consult your company’s Garner benefit guidelines for details on what is covered under your Garner plan. If you have additional questions or can’t find your company’s policy, contact the Garner concierge at 1-866-761-9586, email, or consult the Benefit Plan Document provided by your employer.


Please note that your Garner card will only work at the pharmacy and in other medical settings, such as doctors offices. 

What happens if I use my Garner card for care that is not Garner-approved?


Your Garner Garner card can be used for eligible Garner-approved expenses only. If you accidentally or intentionally use the Garner card for other purchases, Garner will notify you, and your card may be deactivated until your account is reimbursed. You will be required to pay back any money spent on non Garner-approved purchases.

How can I get more funds loaded onto my Garner card?


Just contact the concierge! The concierge can increase your card balance up to your Garner benefit amount.

Do I need to submit claims when I use the Garner card?


If your company’s setup requires you to submit claims in the Garner app when you see doctors, you will need to submit a claim whether you pay for your care with the Garner card, or via another method. To see if this applies to you, check in the app to see if you have a “submit a claim” button. If you do, you will need to submit claims for any medical care you want reimbursed by Garner. 

Who do I reach out to for questions about my Garner card? 


Your Garner concierge is available to answer any questions you have about the Garner card. Contact the concierge through the Garner app, or call the concierge at 1-866-761-9586.

What should I do if I haven’t received my card?


Your card should arrive within 3-4 weeks from the time it was requested.  If that time period has passed, please contact the Garner concierge at 1-866-761-9586

or email

What should I do if I lose my card?


 Report your card as lost as soon as possible by contacting the Garner concierge at 1-866-761-9586 or email The card will be closed, card transactions will be reviewed, and a new card will be issued.

Why did my card decline?


There could be several reasons why your card declined.  Some are listed below.  If you need additional assistance, please contact the Garner concierge at 1-866-761-9586 or email


  • The card is not activated.

  • The balance is insufficient for the transaction being attempted.

  • Type of merchant is not allowed (i.e. restaurant -- note that the Garner card only works at the pharmacy and at the doctor’s office).

  • The merchant may be allowed but the item being purchased may not be allowed (i.e. attempting to purchase a non-medical item such as a candy bar at a pharmacy)

  • The card was used before the benefit plan became available (i.e., card was received on 12/15/2021 but the benefit plan does not start until 1/1/2022).

  • If a PIN was selected and used for the transaction, an incorrect PIN could have been entered in error.

  • Some self-checkout terminals are not updated, and you may need to make your transaction at a regular checkout.

  • Smaller “mom and pop” shops don’t always have updated payment terminals to accept health care items.

Where can I see the balance and activity associated with my benefits card?


Contact the Garner concierge at 1-866-761-9586 or email

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