Policy limitations and exclusions apply. Employee access to dentists. Policy limitations and exclusions apply. If you do not choose a primary care dentist, a dentist in your area will be assigned to you. Here's how DHMO plans work: Dental insurance doesn’t just cover cavities and cleanings, it helps cover some of the cost you pay every time you visit the dentist. Visiting an in-network dentist can save you up to 35% off standard rates for dental services. 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. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Most policies are straightforward and specific regarding what procedures are covered and exactly how much you pay out-of-pocket.You can typically save on costs if you use an insurer’s network of dentists. Robust network of dentists.
The process can seem a bit daunting, but it doesn’t have to be. Save money with the right plan. There is no out-of-network coverage. 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.Dental coverage helps protect your overall oral care. Guardian Direct® can help you save up to 35% off standard dental rates with an in-network dentist Large network of dentists. PPO stands for Preferred Provider Organization. Note: A list of each covered treatment and its associated copay can be found in your Plan Summary and also in your policy documents.With a DHMO program, you know exactly what you will be responsible for paying before you visit the dentist.A waiting period is the time period following your coverage start date during which no benefits are paid. 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.© 2020, The Guardian Life Insurance Company of America, New York, NY. DENTAL PPO PLANS Policy Form IP-DEN-16 ET. All care must be provided or arranged by your primary care dentist. You must choose one in-network dentist from the smaller DHMO network who will serve as your primary care dentist.If you do not choose a primary care dentist, a dentist in your area will be assigned to you. Basic services such as fillings and simple extractions have a waiting period of 6 months or less, depending on your state. Waiting periods may also apply for some servicesIndividual 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.Individual dental plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services.Listed services, exclusions and limitations do not constitute a contract and are a summary only.IMPORTANT INFORMATION REGARDING DENTAL HMO BENEFITSDental HMOs provide Pre-Paid dental benefits through a network of participating general dentists and specialty care dentists.
Dental health supports your overall health. Guardian, a leader in dental, has introduced a new type of group dental PPO insurance plan so you and your employees have more choices and more ways to save on quality care. Policy limitations and exclusions apply. Untreated gum disease has been linked to heart disease and stroke.Because dental insurance includes coverage for regular exams, cleanings and x-rays, the premiums you pay for dental insurance can virtually pay for themselves.Don't let the need for a filling, root canal, crown, implant, or even kids' braces cause you stress. Depending on where you live, Guardian offers a range of dental plans for individuals, families, or company dental plans. If you decide that you would like to change your primary care dentist, you have the option to make a change once per month. You will be responsible for the difference.For Guardian Dental Managed DentalGuard (DHMO) plans, you must choose one in-network DHMO dentist who serves as your primary care dentist. Certain services are subject to annual or other periodic limitations. That means if you already have a dentist you love, they likely take one of our policies.Dental insurance costs can start as low as $8.06 month depending on where you live and what is covered.Unlike other forms of health insurance, seniors pay the same rate as younger consumers.
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