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So what’s the difference between full and basic?A basic dental plan covers preventive care such as checkups, cleanings, x-rays, and a few basic procedures, like cavity fillings. At Guardian, our goal it to make dental insurance simple and hassle- free for you.

By encouraging employees and their families to go for regular cleanings and exams.

The expected benefit ratio for these policies are is 60%.

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.

Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by the Dental DHMO.Only those services listed in the Dental HMO plan are covered. Savings.

Guardian reserves the right to discontinue the College Tuition Benefit program at any time without notice. All rights reserved. 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. 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. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state.

The expected benefit ratio for these policies are is 60%. Gold, Silver, and Bronze (PPO) Plans. Full coverage plans cover much more – and often at a lower out-of-pocket cost to you. For dentists in Mexico, download a directory opens in a new window. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.

It’s hard to be a happy, productive person when your mouth hurts and you’re worried about what’s happening with your teeth.But what if cost matters more to you than loyalty to a specific dentist? Diabetes: Periodontal infections contribute to problems with glycemic control, which compromises the health of diabetic patients. If you receive care from a dentist that participates in the Guardian network, you may be reimbursed at a higher level than if you received care from a dentist that does not participate. 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. How can Guardian help your small business? Guardian has been a trusted name in insurance for over 160 years. 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. All this should come as no surprise.

You also pay a copay amount associated with each type of covered treatment. 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.

Dental care and oral health shouldn’t be considered optional or secondary. Guardian has been a trusted name in insurance for over 160 years. AL. Disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY, or provided by Guardian. What life insurance options should you consider?

Plan documents are the final arbiter of coverage. When you choose dental insurance from Guardian, you'll enjoy discounts on care, access to today's valuable preventive services, and a strong dental network. Products are not available in all states. A DHMO might be a better value for you.

The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Additionally, dentists participating in the Guardian network charge discounted fees, with an savings up to 35%. So the best way to save money is by visiting a dentists that participates in the Guardian network! Pick one Primary Care Dentist from within the Guardian network.

You should consult your tax or legal advisor regarding your individual situation. Next, let’s figure out which dental plan is right for you. 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.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.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.

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