Guardian reserves the right to discontinue the College Tuition Benefit program at any time without notice. They also give you access to our exclusive College Tuition Benefit program. Depending on where you live, Guardian offers a range of dental plans for individuals, families, or company dental plans. Plan documents are the final arbiter of coverage. Insurance can feel complicated. Guardian Direct dental insurance makes caring for your teeth more affordable. All rights reserved. Today, we have one of the largest dental insurance networks in the country and our dentists can help you with significant savings on the dental care you need** Learn More About Guardian Protect your oral health with the right coverage. People who obtain dental insurance with Guardian can elect a Maximum Rollover benefit option for their dental PPO plan. Maximum Rollover allows you to roll over portions of the money you do not use in the years you do not meet your annual maximum. That includes things like preventive cleanings, x-rays, restorative services like fillings, and even more serious forms of oral surgery that you might need one day. Guardian has been protecting policy holders for 160 years. © 2021, The Guardian Life Insurance Company of America, New York, NY. In recent years, there has been an increasing amount of scientific research outlining the connection between good dental health and good health elsewhere in the body. Links to external sites are provided for your convenience in locating related information and services. Already have a Guardian dental policy through work? Terms apply. Guardian Dental Members - A Family of Over 7 Million Customers Welcome to Guardian Dental Welcome to our family of over seven million customers. contact Guardian at the following address or phone number: Dental Claims Services, Quality and Compliance The Guardian Life Insurance Company of America PO Box 254888 Sacramento, CA 95865-9005 Phone: 866-569-9900 Get reliable coverage that meets your needs, starting a $20* per month in most states. Important updates on legislation, answers to key questions and live virtual sessions to help navigate uncertainty. Guardian Direct has a vast network of providers. Log in to your account to find a provider, file a claim and more. The College Tuition Benefit is not an insurance benefit and may not be available in all states. We think everyone should have great dental coverage, which is why we offer comprehensive plans you can get through Guardian directly or from your employer through their benefit offerings. Policy limitations and exclusions apply. Contact Guardian Direct. Best Value: Guardian Dental Guardian is 1 of the most affordable dental plans on the market — you could save an average of 35%. Most policies are straightforward and specific regarding what procedures are covered and exactly how much you pay out-of-pocket. Visit your local Guardian Life at 10 Hudson Yards in New York, NY to find a financial representative for everything from life insurance, annuities, and investments to dental … Figure out how much coverage you may need and what it could cost. Plan Type by Network If your network is Select DentalGuard PPO Pre-paid DHMO (Dental … Under this plan, you must choose a primary care dentist. The Guardian Life Insurance Company (“Guardian”) certifies that You are being issued this Policy as the Policyowner for the Dental Insurance described in this Policy. As our Dental Network Recruiter, your goal is to implement our established network strategy for access and discounts to expand Guardian’s dental networks and our subsidiaries. https://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx, https://www.guardianlife.com/dental-insurance/dental-health-and-wellness-study, https://www.cdc.gov/oralhealth/conditions/periodontal-disease.html, https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2821841/, https://www.nidcr.nih.gov/sites/default/files/2017-10/hck1ocv.%40www.surgeon.fullrpt.pdf, Confidentiality for domestic violence victims. The Guardian Life Insurance Company has been protecting our members for over 160 years, but as a Guardian member, you’re getting more than just dental protection. Please refer to your policy for a complete list of limitations and exclusions. If you're new to insurance, let's start with our interactive tool that helps find what protection could be right for you. Find a plan that fits your needs and enroll today! That means if you already have a dentist you love, they likely take one of our policies. Guardian has been a trusted name in insurance for over 160 years. Everyone deserves a Guardian. Preventive care and cleanings are completely free. Guardian Direct is here to help you be ready for life's surprises. Dental insurance doesn’t just cover cavities and cleanings, it helps cover some of the cost you pay every time you visit the dentist. 1 IP-1-MDG-DHMO-TX-14 Managed DentalGuard, Inc. 5850 Granite Parkway, Suite 800 Plano, Texas 75024 1-888-618-2016 INDIVIDUAL DENTAL BENEFITS PLAN THIS DENTAL PLAN INCLUDES PEDIATRIC Oral health issues are among the most common — and the most preventable — health concerns impacting the American public. Information on how Guardian is protecting the health and safety of customers, families, and colleagues. © 2021, The Guardian Life Insurance Company of America, New York, NY. Select your Plan Type. Products are not available in all states. AL. Protecting your life, health and wealth. For over 160 years, we've helped hard working people secure their futures, learning a thing or two along the way. we’re always making our network stronger. You can typically save on costs if you use an insurer’s network of dentists. Optional riders and/or features may incur additional costs. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof. We have more than 120,000 providers at more than 420,000 locations in our nationwide network, and we’re always making our network stronger. Dental insurance costs can start as low as $8.06 month depending on where you live and what is covered. Guardian® PPO and Indemnity plans offered on this website are underwritten and issued by The Guardian Life Insurance Company of America or by Premier Access Insurance Company (AZ, CA, TX, UT). Guardian studies – and a growing body of third-party research – show that maintaining good oral health can help adults avoid or better manage serious health-related issues: 1 Guardian makes it easy for members to access quality preventive dental care because of its clear connection to overall health, as well as the savings gained by avoiding major services and dental procedures down the line. What is the best dental insurance for implants? What does it mean? Compared to medical insurance, it can be easier to understand dental insurance policies. Protect you and your savings with dental, vision, accident, critical illness & pet insurance plans. Guardian has more than 120,000 providers in our nationwide network. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America®. FLORIDA Policy Form IP-1-MDG-DHMO-FL-OFF-17, NEW YORK Policy Form IP-MDG-NY-FP-OFF-17, NEW JERSEY Policy: IP-MDG-DHMO-NJ-17, TEXAS Policy: IP-1-MDG-DHMO-TX-17, ILLINOIS Policy: IP-FCW-DHMO-IL-17. Poor oral health has been linked to conditions like diabetes, heart disease, and stroke, so while brushing and flossing every day might help keep your teeth clean, nothing can replace regular visits to the dentist.1. This policy provides DENTAL insurance only. Benefits enrollment: how to prepare Discover the 5 things you should investigate before making your annual benefits An A+ rating from the Better Business Bureau makes this a very secure bet to invest your money into, and one of our top picks for the best dental insurance . Let us be your guide. Guardian does not provide any services related to this program. This Policy includes the Schedule of Benefits for the Policy. Protect you and your savings with dental, vision, accident, critical illness & pet insurance plans. Premier Access’ benefits are underwritten by Access Dental Plan of Nevada. Guardian Dental is underwritten by The Guardian Life Insurance Company of America, New York, NY. Policy limitations and exclusions apply. Products are not available in all states. Guardian Direct Dental Exchange Premier #2020-97019 Customer Service Contact Us 1-888-Guardian (1-888-482-7342) Submit a Claim Resources Forms & Claims Find a dental or vision provider Find a … We suggest that when buying the best dental insurance for seniors to review any plan listed above that matches how you use dental care. Discover the words and definitions you should know in order to help have a solid understanding of employee health benefits. Looking for a dentist? Individual life insurance provided by The Guardian Life Insurance Company of America, 10 Hudson Yards, New York, NY 10001. Guardian Direct is here to help you be ready for life's surprises. Protect you and your savings with dental, vision, accident, critical With over 124,000 dentists in over 363,000 locations*, chances are your dentist is in our network. The Tuition Rewards program is provided by SAGE CTB, LLC. Find a dentist near you and enroll in a Dental Insurance plan. Open enrollment for 2018 begins Nov. 1, 2017. It helps ensure you don’t end up with expensive bills when you need more extensive dental work or oral surgery. Looking out for those you look after. To find a Dental provider on Guardian Anytime, follow the steps below. Guardian Direct Dental comes from parent company Guardian Life Insurance, which is one of the largest mutual insurers in the country having been founded in New York way back in 1860. We’re here to help you navigate insurance. If you are in the market for a new dentist, it’s … Continue reading North Carolina The Centers for Disease Control and Prevention (CDC) calculate that 80% of the U.S. population has had at least one cavity by age 34, and more than 50% show signs of periodontal (gum) disease.3. Policy Form IP-DEN-16 ET. This policy provides DENTAL insurance only. SAGE CTB, LLC is not a subsidiary or an affiliate of Guardian. Learn more about the latest COVID-19 relief bill and how it may affect you. Help your small business save on benefits. Our employee-focused dental packages give you easy ways to help protect your health and save. Once Guardian begins processing, appeals that do not require additional review are processed within 10 business days. North Carolina Individual Dental Plans Your teeth deserve the best dental insurance possible! DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Discover the 5 things you should investigate before making your annual benefits enrollment selections. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation Managed DentalGuard Dental HMO plans offered on this website are underwritten and issued by: All of your dental care will be provided by, or arranged by, your … Continue reading DHMO Texas With good oral care, people are 67% less likely to have heart disease, 50% less likely to have osteoporosis, and 29% less likely to have diabetes8. Confidentiality for domestic violence victims. Please call our support team (toll-free) at 1-866-569-9900, Monday-Friday, 6a.m.-6p.m. Guardian’s DHMO Plan The Guardian DentalGuard DHMO plans allow you to choose to receive care from any participating licensed dentist in the network, and pay a set co-pay for your office visit. Learn what vision insurance is, why you need a vision care plan, and how much it could cost. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. That means if you already have a dentist you love, they likely take one of our policies. Find the dental insurance plan you need with Guardian, available on your federal or state health exchange. We are here to help you be ready for life's surprises. Policy limitations and exclusions apply. The Guardian Life Insurance Company of America A Mutual Company – Incorporated 1860 by the State of New York 7 Hanover Square New York, New York 10004 INDIVIDUAL DENTAL … Choose a Guardian PPO plan and gain access to one of the largest dental networks nationwide. Dental care and oral health shouldn’t be considered optional or secondary. Individual Dental Insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries. Access the Find a Provider screen. Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries. Dental coverage helps protect your overall oral care. FAQ on disability, dental, & life insurance plans. Appeals that require additional review are processed within 28 days, as long as all the required documentation is included with the appeal. Securities products/services and advisory services offered through Park Avenue Securities LLC, a registered broker dealer and registered investment adviser. All rights reserved. Specialty Insurance Market Dental Insurance with National Guardian Life Insurance offers coverage and plan design flexibility to meet the dental health needs of your insured. Guardian has been helping people protect their futures and secure their lives for more than 150 years. 2 “Diabetes and Periodontal Disease,” WebMD, April 2015, 3 https://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx, 4 https://www.guardianlife.com/dental-insurance/dental-health-and-wellness-study, 5 https://www.cdc.gov/oralhealth/conditions/periodontal-disease.html, 6 https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2821841/, 7 https://www.nidcr.nih.gov/sites/default/files/2017-10/hck1ocv.%40www.surgeon.fullrpt.pdf, 9 https://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx. Plan documents are the final arbiter of coverage. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Products are not available in all states. While asthma is often considered the most common chronic childhood health condition, dental decay is actually five times more common.4 As the relationship between oral health and overall health becomes clearer, the health implications of untreated oral disease continue to expand: exacerbating other diseases and involving facets of mental health such as self-confidence and social stigma.5. What is meant by full coverage dental insurance, how it compares to more basic plans, and what to look for when buying a plan. Robust network of dentists Save money with … If Guardian is offered through your employer, contact your benefits department to learn more. Get a premium credit or extended rate guarantee when your small business offers Guardian dental or vision insurance. Unlike other forms of health insurance, seniors pay the same rate as younger consumers. Guardian has been providing high-quality insurance products to more than 20 million Americans. Guardian Life Individual Dental Exchange Products Can’t find what you need? Policy Form #GP-1-DG2000, et al. Depending on where you live, Guardian offers a range of dental plans for individuals, families, or company dental plans. Links to external sites are provided for your convenience in locating related information and services. Tuition Rewards program is provided by the policy forms approved for use your! Program at any time without notice $ 8.06 month depending on where you live and what it could.! And issued by the Guardian Life insurance Company of America, New York, NY what is covered their,! North Carolina individual dental plans guardian life dental your savings with dental, & insurance... In your state LLC is not an insurance Benefit and may not be available in all states the words definitions... We ’ re here to help have a dentist you love, they likely one. Offers Guardian dental is underwritten by the policy forms approved for use your. 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