Why choose guardian for your dental insurance?
You’re getting access to:
- Our robust network of dentists. With over 130,000 providers at more than 410,000 locations nationwide, Guardian members have access to one of the largest preferred provider organization networks around. ...
- Great savings. Depending on the plan you choose, preventive care such as checkups and cleanings may cost you little out of pocket. ...
- PPO? DHMO? ...
Does Guardian dental cover dental implants?
Some dentists and oral surgeons can set up payment plans or have special financing available. Guardian Direct® dental insurance can help with the cost of implants. Guardian Direct Dental Advantage Achiever and Core PPO plans cover 50% of implants after a 12-month waiting period.
Is Guardian dental insurance good?
While everyone should consider dental insurance, Guardian’s affordable plans are especially good for young adults who might have a limited budget and limited dental care needs. Guardian also offers plans with orthodontic care (braces) and regular, preventive service for families. Dental health is an essential part of your overall health.
Who takes Guardian dental insurance?
Guardian dental insurance plans provide comprehensive coverage for individuals, families, and groups on a full range of dental services, from routine cleanings and x-rays, to fillings, cosmetic dentistry, and dental implants. Contact Guardian Insurance to find out the specifics of what your dental plan covers.
Who took over Guardian Life Insurance?
Berkshire Life Insurance CompanyIn July 2001, Guardian merged with Berkshire Life Insurance Company. As of February 2015, the newly formed Berkshire Life Insurance Company of America subsidiary administers all disability products for Guardian.
What is dental guard preferred?
DentalGuard Preferred PPO plans: This policy provides dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnose or. treat dental disease, defect, or injury. Deductibles apply.
What does dental nap mean?
Network Access PlanFrom preventive checkups and cleanings, to comprehensive oral care treatments, we have you covered. With your Guardian Choice plan, employees select either a Network Access Plan (NAP) or a Value Plan and can change their election annually. Premium rates are the same for both plans.
What is Guardian PPO?
With Guardian's PPO option, you can see any dentist you want but save more when you visit a dentist that participates in Guardian's DentalGuard Preferred network. As one of the largest nationwide networks on and off the health insurance marketplace, chances are your dentist is already a participant.
Is Guardian insurance legit?
In 2022, Guardian Life Insurance paid out $1.13B in dividends to customers and they have paid out dividends to policyholders annually since 1868. While some insurance providers are only licensed to do business in certain states, Guardian Life Insurance is licensed in all 50 states.
What is the difference between managed dental care and PPO?
DHMO insurance plans typically cover dental services at a low cost and minimal or no copayments with a pre-selected primary care dentist or a dentist facility with multiple dentists. PPO dental insurance plans, on the other hand, offer a balance between low-cost care and dentist choice.
Does Guardian Dental have a deductible?
Guardian Direct® dental insurance plans do not involve family deductibles. If applicable, each individual family member will have their own deductible they are responsible to meet.
What is a guardian Value Plan?
The Value Plan offers members who choose to see a Guardian participating dentist the most savings and Out-of-Network benefits are limited to Guardian's PPO fee schedule. With the NAP Plan, all out of network services are based on usual, reasonable, and customary rates for given area.
Which is better PPO or HMO?
HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.
What is an annual deductible for dental insurance?
What is an annual dental insurance deductible? A dental insurance deductible is the dollar amount you must pay for covered dental services before your dental plan starts to pay. Your deductible amount resets once every 12 months. Many dental plan providers follow the calendar year (e.g.; January through December).
How is dental insurance deductible calculated?
Dental Insurance Coverage - Deductibles The simplest form of a deductible is the patient paying the first $50 of treatment. > So your copay is: $100 - $40 = $60. Once your deductible is paid (the first $50 in this example), you would only have to pay the 20% that the insurance company doesn't pay.
Why did my dentist recommend a night guard?
Your dentist may recommend a night guard to help you with morning headaches, for TMJ jaw pain relief, and to prevent damage to your teeth, jaw, crowns, and other dental restorations.
Why do dentists recommend night guards?
A dental night guard protects the teeth from damage by cushioning the effects of clenching while sleeping. This cushion barrier helps to prevent chipped teeth and worn-down teeth, two of the more common problems associated with the act of clenching one's teeth.
Is night guard covered by insurance?
Is a night guard covered by insurance? Yes. Night guards are typically covered by your dental insurance as long as your dentist determines they are medically necessary. You will need to visit the dentist regardless to determine the severity of your bruxism.
What is the difference between a retainer and a night guard?
Night guards are worn solely at nighttime during sleep, while retainers may be worn during the day or fixed permanently in the mouth.
How much does dental insurance cost?
Dental insurance costs can start as low as $8.06 month depending on where you live and what is covered.
What is dental insurance?
Dental coverage helps protect your overall oral care. 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.
How much less likely is a person to have heart disease with oral care?
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 diabetes 8. If playback doesn't begin shortly, try restarting your device. An error occurred while retrieving sharing information. Please try again later.
Does dental insurance cover cleanings?
Dental insurance doesn’t just cover cavities and cleanings, it helps cover some of the cost you pay every time you visit the dentist. It helps ensure you don’t end up with expensive bills when you need more extensive dental work or oral surgery.
Is dental insurance easier than medical insurance?
Compared to medical insurance, it can be easier to understand dental insurance policies. Most policies are straightforward and specific regarding what procedures are covered and exactly how much you pay out-of-pocket.
Is dental decay more common in childhood?
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
Is dental insurance worth it?
Oral health issues are among the most common — and the most preventable — health concerns impacting the American public. 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
What is work in progress dental?
Work in progress is any oral health procedure that is started and not completed prior to your enrollment in a dental program. The plan does not cover any expenses prior to the date you are covered under the Policy.
Do specialty services require prior authorization?
Specialty services require prior authorization from the Plan. A referral must be submitted to the Plan by your Primary Care Dentist for approval.
Do you have to see a dentist to apply for dental benefits?
Must see selected-in-network dentist for benefits to apply
Is the Schedule of Benefits an insurance contract?
This website provides a very brief description of some of the important features of this plan. It is not the insurance contract, nor does it represent the insurance contract. A full description of benefits, exclusions and limitations is contained in the Schedule of Benefits and your policy.
How to contact Guardian dentist?
Information on participating dentists is available from Guardian on their website or by phone (1-800-848-4567).
How many dental consultations are there in a 12 month period?
One Diagnostic Consultation by Non-treating Dentist (9310) per dental specialty in any 12 consecutive month period.
How many prophylaxes are needed per year?
Three Prophylaxes (1110 or 1120) or Periodontal Maintenance Treatments (4910) per calendar year.
How many months in a panoramic film?
One Full-Mouth Series or Panoramic Film (0210 or 0330) in any 60 consecutive month period.
What happens if you don't make an election for Delta Dental?
If you do not make an election, you are automatically enrolled in the Guardian program. Both the Guardian program and the Delta Dental program are available to eligible members without premium payment.
Does Delta Dental have a lifetime limit?
Unlike traditional insurance, there are no claims to complete or reimbursement to await. There is no annual or lifetime limit on services.
Does Delta Dental have a rider option?
Those who do not make an election are automatically enrolled in the Guardian program. Both the Guardian program and the Delta program are available to eligible members at no payroll deduction. Neither has a "rider" option.
How to contact Guardian dentist?
Information on participating dentists is available from Guardian on their website or by phone (1-800-848-4567).
How much is emergency dental care for PMI?
Whereas members are generally required to use the primary dentist, or an HMO specialist referred by that dentist, there is a provision for emergency treatment up to $100 per year. Claim forms and regulations are available from PMI Dental Health at the address listed above.
What happens if you don't make an election for Delta Dental?
If you do not make an election, you are automatically enrolled in the Guardian program. Both the Guardian program and the Delta Dental program are available to eligible members without premium payment.
How many prophylaxes are needed per year?
Three Prophylaxes (1110 or 1120) or Periodontal Maintenance Treatments (4910) per calendar year.
Can you use a dentist to provide services?
Benefits include most standard dental procedures. There are no annual or lifetime maximum payment limitations. You may use any licensed dentist to provide services, although you will pay less if you use a participating dentist.
Does Delta Dental have a lifetime limit?
Unlike traditional insurance, there are no claims to complete or reimbursement to await. There is no annual or lifetime limit on services.
Does Delta Dental have a rider option?
Those who do not make an election are automatically enrolled in the Guardian program. Both the Guardian program and the Delta program are available to eligible members at no payroll deduction. Neither has a "rider" option.
