Dental services covered vary by plan color. Policy limitations and exclusions apply. Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. With his Guardian Dental Advantage Silver plan, Jim paid only $968, saving $1,290. With his Guardian Dental Advantage Gold plan, Ted saved $158 on getting his cavity filled. Large Network of Dentists. Actual coverage may vary. Deductibles apply. With her parents' Guardian Dental Advantage Gold plan, Emma's parents were able to save $2,925 off the cost of Emma's new and improved smile. Read our FAQs, find a dentist and see resources. Coverage for the basics plus life’s occasional dental surprises, Basic coverage for cleanings and the occasional filling. Visiting a dentist isn't just about your teeth. Guaranteed Acceptance. Untreated gum disease has been linked to heart disease and stroke. All covered services must be provided by the member’s Primary Care Dentist.
Jasmine had gum disease. Ted takes good care of his teeth by brushing and flossing regularly, so he was disappointed when his Dentist found a cavity. Get a policy today! Jim took a big bite and knew instantly he had cracked his tooth. * Coverage based on Dental Advantage Silver PPO plan reimbursement. With over 114,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs. Where orthodontic benefits are specifically included, your policy provides for one course of comprehensive treatment per lifetime, per member. Save up to 35% with one of our 114,000 preferred (in-network) dentists. No need for you to submit a claim form when using an in-network provider.
Because dental insurance includes coverage for regular exams, cleanings and x-rays, the premiums you pay for dental insurance virtually pay for themselves. Get a policy today! AL. With over 114,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs.And with an in-network dentist, save up to 35% off standard dental rates. Products are not available in all states. Because Guardian Direct insurance covers cleanings and x-rays, your premiums can virtually pay for themselves. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by the Dental DHMO. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. With their Guardian Dental Advantage Bronze plan, Dave and Emily received preventive care from one of our more than 114,000 in-network dentists.
Actual coverage may vary.This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. Typical Dentist Charges, Guardian Pays 70% for Fillings after a $50 Deductible, Savings for Ted vs. #2018-70895 (exp. Large Network of Dentists. * Coverage based on Dental Advantage Gold PPO plan reimbursement. Find an eye doctor Opens in an external window. Actual coverage may vary. Instant approval. Savings. Get access to preventive services immediately. Typical Dentist Charges, Savings for Emma's Parents vs. DENTAL PPO PLANS Policy Form IP-DEN-16 ET. Policies renew annually. Easy.
Large Network of Dentists. * Coverage based on Dental Advantage Bronze PPO plan reimbursement. Dental provider networks vary by state, by market and by plan type.
* Coverage based on Dental Advantage Silver PPO plan reimbursement. #2018-70895 (exp. Pick one Primary Care Dentist from within the Guardian network. You also pay a copay amount associated with each type of covered treatment. Waiting periods may also apply for some services. No claim forms to submit with an in-network dentist.
Typical Dentist Charges. Dental HMOs do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date. Savings. Learn more. Actual coverage may vary. With Guardian Dental Advantage Silver, she saved $829. #2018-70895 (exp. IMPORTANT INFORMATION REGARDING DENTAL HMO BENEFITS. Actual coverage may vary.This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making.
Individual dental plans do not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatment to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment. After all, isn't that the point of dental insurance?Because Guardian Direct insurance covers cleanings and x-rays, your premiums can virtually pay for themselves. And you'll also automatically save on costly unexpected needs such as fillings or root canals. Savings. Products Underwritten by Managed Dental Guard, Inc. TEXAS Policy: IP-1-MDG-DHMO-TX-17, Products Underwritten by First Commonwealth Inc. through its Illinois subsidiaries*, ILLINOIS Policy: IP-FCW-DHMO-IL-17. Because Guardian Direct insurance covers cleanings and x-rays, your premiums virtually pay for themselves. After all, isn't that the point of dental insurance? Don't let the need for a filling, root canal, crown, implant, or even kids' braces cause you stress. * Coverage based on Dental Advantage Silver PPO plan reimbursement. 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. Easy.
Products Underwritten by Guardian Life Insurance Company of America. The percentage Guardian pays varies by plan color. Guaranteed Acceptance. This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. Guardian pays a percentage of dentist charges; you are responsible for the remainder. 1/21). Listed services, exclusions and limitations do not constitute a contract and are a summary only. After all, isn't that the point of dental insurance? Get access to all dental services immediately. Listed services, exclusions and limitations do not constitute a contract and are a summary only. Dental plans starting at$17.00*per month*Costs vary by state and plan type selected. #2018-70895 (exp. Savings. Current page 1; Certain services are subject to annual or other periodic limitations. Dental health supports your overall health. 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. Protect you and your savings with dental, vision, accident, critical illness & pet plans. Rates are guaranteed for one year for your policy of benefits initially selected. IMPORTANT INFORMATION ABOUT GUARDIAN’S DENTALGUARD INDEMNITY AND DENTALGUARD PREFERRED PPO PLANS. Pagination. Jasmine's Dentist advised that gum surgery could help prevent the spread of bacteria from her gum disease to protect her overall health. Be prepared and enjoy the savings that dental insurance can provide. * Coverage based on Dental Advantage Bronze PPO plan reimbursement. And you'll also automatically save on costly unexpected needs such as fillings or root canals. Guardian Direct is here to help you be ready for life's surprises. #2018-70895 (exp. * Coverage based on Dental Advantage Gold PPO plan reimbursement. Large Network of Dentists. Individual dental plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services. Untreated gum disease has been linked to heart disease and stroke, Typical Dentist Charges (Cleaning & X-rays for Dave & Emily), In-Network Dentist Charges (savings up to 35%), Savings for Dave and Emily vs. Actual coverage may vary.This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. Only those services listed in the Dental HMO plan are covered. With over 100,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs. FLORIDA Policy Form IP-1-MDG-DHMO-FL-OFF-17, NEW YORK Policy Form IP-MDG-NY-FP-OFF-17. Typical Dentist Charges, Typical Dentist Charges for a Root Canal and Crown, Guardian Pays 50% for Major Services up to Yr 1 Annual Max, Savings for Jim vs. Actual coverage may vary. Actual coverage may vary.This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. And with an in-network dentist, save up to 35% off standard dental rates. His Dentist recommended root canal surgery and a crown at a cost of $2,258. 1/21). Use of an in-network provider may result in reduce out of pocket costs. With over 100,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs. Emma was excited to be getting braces to correct her overbite.
Dental HMOs provide Pre-Paid dental benefits through a network of participating general dentists and specialty care dentists. Contact Guardian Direct and get live help from our Customer Care Team. 1/21). Next, let’s figure out which dental plan is right for you. 1/21).
Typical Dentist Charges, Guardian Pays 50% for Major Services after a $50 Deductible, Savings for Jasmine vs. Dental bridges can help fix the gap from your missing teeth, and dental insurance can help cover dental bridge costs. *First Commonwealth Insurance Company — (IL), First Commonwealth Limited Health Services Corporation — (IL), First Commonwealth of Illinois, Inc. Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers, Save up to 35% by choosing an In-Network Dentist. After all, isn't that the point of dental insurance?Because Guardian Direct insurance covers cleanings and x-rays, your premiums virtually pay for themselves.
Dental PPO plans provide in-network and out-of-network benefits.
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