Garner provides an advanced tool for searching doctors and plan options that help cover employees' out-of-pocket expenses when they use our service to locate high-quality medical providers. Our results show that employers can save 10-20%, employees spend less out-of-pocket, and health outcomes improve—without needing to change third-party administrators (TPAs) or networks. Central to our offering is the belief that reducing healthcare costs hinges on connecting employees with higher-performing individual doctors. To achieve this, Garner employs the largest commercial claims database in the country and an extensive array of evidence-based algorithms to evaluate every doctor's performance against their local counterparts. Additionally, Garner addresses common engagement challenges by covering employees' out-of-pocket costs when they see top-rated doctors and employing a dedicated concierge team to build trust with our members. This approach results in a comprehensive solution that ensures lower costs, better clinical outcomes, reduced employee expenses, and an enhanced experience for employees.