Insurance companies are responsible to you, the policyholder, not to the doctor. As a courtesy to you, our office will file your claims to your insurance company as long as we accept an agreement with your insurance company. However, we do not determine the amount of coverage you will receive. Your insurance company determines the amount of your coverage and you should be aware of your benefits prior to all office visits. Any questions you may have concerning your insurance benefits should be directed to your insurance representative.

Credit Policy

It is the policy of Garner Internal Medicine, P.C. that payment is due at the time services are rendered. For your convenience, our office accepts cash, credit cards and personal checks. If extenuating circumstances exist, alternative payment plans must be discussed in advance with the Billing Department. Fees charged in this office are comparable to those charged by other Internal Medicine physicians in this area.

Insurance Plans


The following is the list of insurances with which we currently participate.  If your insurance is not listed, it maybe a commercial plan that does not require us to have a direct contract. If you are unsure, you may contact your insurance company to find out if they require you to see a network physician and if we are listed as participating.  In all cases, we file insurance claims as a courtesy for our patients. Patients are required to pay any patient deductibles and/or coinsurances at the time of service as per our financial policy.

* Existing patients only
** We do not accept Medical Discount Cards


  • Aetna
  • Aetna CVS Health Individual and Family Plan
  • BlueCross BlueShield of NC
    Including Blue Select, Blue Options, Blue Home, BCBS Federal, and BCBS Smart Choice
  • Cigna HealthCare of NC 
  • Cigna Connect Individual and Family Plan 
  • Contigo WakeMed Employee Health Plan
  • First Health through Coventry
  • Great West
  • MedCost
  • Medicare*
  • Medicare Advantage Plans
    • Alignment NC Premier HMO (accepting new patients for 2022)
    • Alignment Platinum HMO (accepting new patients for 2022)
    • Alignment NC Plus HMO (accepting new patients for 2022)
    • AARP Medicare Advantage Plans*
    • Aetna Medicare Advantage Plans*
    • BCBSNC Medicare Advantage Plans*
    • Experience Health HMO*
    • Humana Choice PPO and other Humana PPO options*
    • First Medicare Direct smartHMO and First Medicare Direct preferredPlus HMO Medicare Advantage Plans (accepting new patients)
    • ****As of January 1, 2021, we will no longer be in network with Humana Gold Plus HMO*******
  • Private Healthcare Services (Dr. Breiner only)
  • Railroad Medicare*
  • Tricare (Standard Plan Only)
  • United HealthCare
  • United Health Compass Individual and Family Plan 
  • Uninsured/Self Pay
  • WellPath/Coventry/Duke Medical Home

If you are uninsured and would like information about how to obtain individual health insurance coverage through the healthcare marketplace, click here.

If you are eligible for Medicare and would like more information about the different Medicare Plans available to you in NC, click here.