DENTAL PPO PLANS  Policy Form IP-DEN-16 ET. No claim forms to submit with an in-network dentist. 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. Savings. 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. * Coverage based on Dental Advantage Bronze PPO plan reimbursement. Savings. The percentage Guardian pays varies by plan color. Instant approval. IMPORTANT INFORMATION ABOUT GUARDIAN’S DENTALGUARD INDEMNITY AND DENTALGUARD PREFERRED PPO PLANS. Policies renew annually. Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Be prepared and enjoy the savings that dental insurance can provide. Deductibles apply. 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. 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. Individual dental plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services. * Coverage based on Dental Advantage Silver PPO plan reimbursement. Jasmine's Dentist advised that gum surgery could help prevent the spread of bacteria from her gum disease to protect her overall health. Dental plans starting at$17.00*per month*Costs vary by state and plan type selected. Pagination. Because Guardian Direct insurance covers cleanings and x-rays, your premiums virtually pay for themselves. Easy. Guaranteed Acceptance. You pay a small office visit charge (typically $15-$18) each time you visit your dentist. 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. Guardian pays a percentage of dentist charges; you are responsible for the remainder. AL. No need for you to submit a claim form when using an in-network provider. Use of an in-network provider may result in reduce out of pocket costs. Because Guardian Direct insurance covers cleanings and x-rays, your premiums can virtually pay for themselves. 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. * Coverage based on Dental Advantage Bronze PPO plan reimbursement. Products Underwritten by Guardian Life Insurance Company of America. #2018-70895 (exp. Learn more. With his Guardian Dental Advantage Silver plan, Jim paid only $968, saving $1,290. Guardian Direct is here to help you be ready for life's surprises. Dental health supports your overall health. Jim took a big bite and knew instantly he had cracked his tooth. Save up to 35% with one of our 114,000 preferred (in-network) dentists. With Guardian Dental Advantage Silver, she saved $829. 1/21). Pick one Primary Care Dentist from within the Guardian network. Untreated gum disease has been linked to heart disease and stroke. Contact Guardian Direct and get live help from our Customer Care Team. Their care, including cleanings and x-rays, was fully covered. You also pay a copay amount associated with each type of covered treatment. 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. Find an eye doctor Opens in an external window. 1/21). Get access to preventive services immediately. Easy. With his Guardian Dental Advantage Gold plan, Ted saved $158 on getting his cavity filled. Jasmine had gum disease. Typical Dentist Charges. Actual coverage may vary. * Coverage based on Dental Advantage Silver PPO plan reimbursement. Emma was excited to be getting braces to correct her overbite. Large Network of Dentists. 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. And with an in-network dentist, save up to 35% off standard dental rates. 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. This policy provides DENTAL insurance only. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by the Dental DHMO. After all, isn't that the point of dental insurance? Waiting periods may also apply for some services. Dental HMOs provide Pre-Paid dental benefits through a network of participating general dentists and specialty care 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. Get a policy today! Dental bridges can help fix the gap from your missing teeth, and dental insurance can help cover dental bridge costs. Don't let the need for a filling, root canal, crown, implant, or even kids' braces cause you stress. FLORIDA              Policy Form IP-1-MDG-DHMO-FL-OFF-17, NEW YORK          Policy Form IP-MDG-NY-FP-OFF-17. * Coverage based on Dental Advantage Silver PPO plan reimbursement. Visiting a dentist isn't just about your teeth. With over 114,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs. Listed services, exclusions and limitations do not constitute a contract and are a summary only. 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. * Coverage based on Dental Advantage Gold PPO plan reimbursement. #2018-70895 (exp. Get a policy today! Large Network of Dentists. With their Guardian Dental Advantage Bronze plan, Dave and Emily received preventive care from one of our more than 114,000 in-network dentists. #2018-70895 (exp. 1/21). Certain services are subject to annual or other periodic limitations. *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. * Coverage based on Dental Advantage Silver PPO plan reimbursement. All covered services must be provided by the member’s Primary Care Dentist. His Dentist recommended root canal surgery and a crown at a cost of $2,258. Listed services, exclusions and limitations do not constitute a contract and are a summary only. 1/21). Dental HMOs do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date.

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