Listed services, exclusions and limitations do not constitute a contract and are a summary only.

Policy limitations and exclusions apply. No claim forms to submit with an in-network dentist. Rates are guaranteed for one year for your policy of benefits initially selected.

1/21). Use of an in-network provider may result in reduce out of pocket costs. *Costs vary by state and plan type selected. The Guardian Life Insurance Company has been protecting our members for over 160 years, but as a Guardian member, you’re getting more than just dental protection. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Because Guardian Direct insurance covers cleanings and x-rays, your premiums can 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. With over 100,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs. Large Network of Dentists. 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. With over 100,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs. Products are not available in all states. Only those services listed in the Dental HMO plan are covered. IMPORTANT INFORMATION REGARDING DENTAL HMO BENEFITS. * Coverage based on Dental Advantage Silver PPO plan reimbursement. If you have insurance outside Guardian that uses the DentalGuard Preferred Select network , search within that network. Savings. A DHMO might be a better value for you. Guardian, its subsidiaries, agents or employees do not give tax or legal advice. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Any service or treatment method which does not meet professionally recognized standards of dental practice or which is considered to be experimental in nature. Policy limitations and exclusions apply. Products are not available in all states. No need for you to submit a claim form when using an in-network provider.

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. Where orthodontic benefits are specifically included, your policy provides for one course of comprehensive treatment per lifetime, per member. Policy limitations and exclusions apply. 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. Dental HMOs do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date. Their networks are more limited than a PPO plan, but the trade-off is generally lower costs and a simpler fee structure. DENTAL PPO PLANS  Policy Form IP-DEN-16 ET. It’s almost always worth your while to see an in-network dentist in a DPPO because the insurance company negotiates discounted fees on your behalf. Certain services are subject to annual or other periodic limitations.

But if you’re not so young, or you or your spouse have had issues – or you have kids – then you should look into getting a full coverage plan. FLORIDA              Policy Form IP-1-MDG-DHMO-FL-OFF-17, NEW YORK          Policy Form IP-MDG-NY-FP-OFF-17. Plan documents are the final arbiter of coverage. Some people may take their dental benefits for granted, especially if they get coverage at work. Working Americans who get regular preventive care are more likely to report better oral health, and they’re less likely to need expensive major treatment over time.

All covered services must be provided by the member’s Primary Care Dentist. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state.