How do I find a dentist?What services are covered?Can my kids get braces?
Network Options: PPO Network
Guardian 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.
(800) 627-4200 | guardiananytime.com
Dental Plan
A more convenient way to access your benefits.
Guardian is committed to ensuring that members have the right tools and resources to get the most from their benefits. This starts with making it easy to find a network provider in the free Guardian mobile app. With the app, members can also view, download, or email member ID cards.
Download the app by visiting the Apple Store or Google Play store.
Out-of-network coverage
A dentist who is “out-of-network” means the provider hasn’t agreed to negotiated rates. The plan pays benefits based on the usual & customary charge for a particular service. If the out-of-network provider charges more, you’ll be responsible for paying the amount that exceeds the usual & customary limit plus the applicable coinsurance and deductible.
Guardian is committed to ensuring that members have the right tools and resources to get the most from their benefits. This starts with making it easy to find a network provider in the free Guardian mobile app. With the app, members can also view, download, or email member ID cards.
Download the app by visiting the Apple Store or Google Play store.
Out-of-network coverage
A dentist who is “out-of-network” means the provider hasn’t agreed to negotiated rates. The plan pays benefits based on the usual & customary charge for a particular service. If the out-of-network provider charges more, you’ll be responsible for paying the amount that exceeds the usual & customary limit plus the applicable coinsurance and deductible.
$1,000 PLAN
PPO NETWORK
PPO NETWORK
In-Network
Out-of-Network*
Annual Deductible
January 1 - December 31
January 1 - December 31
You pay up to
$50 per individual
$150 per family
$50 per individual
$150 per family
Annual Maximum
January 1 - December 31
January 1 - December 31
Plan pays up to
$1,000 per individual
$1,000 per individual
Waiting Period
None for Preventive, Basic, or Major Services
Preventive Services
Cleanings, Routine Exams, Fluoride, and X-rays
Cleanings, Routine Exams, Fluoride, and X-rays
Plan pays
100% for covered services
No Deductible Applies
100% for covered services
No Deductible Applies
Plan pays
100% of the contracted fee for covered services
No Deductible Applies
100% of the contracted fee for covered services
No Deductible Applies
Basic Services
Bridge & Crown Maintenance, Extractions, Fillings, Sealants, Scaling & Root Planing, and Space Maintainers
Bridge & Crown Maintenance, Extractions, Fillings, Sealants, Scaling & Root Planing, and Space Maintainers
You pay
50% AD
50% AD
You pay
50% of the contracted fee, AD
50% of the contracted fee, AD
Major Services
Bridges, Crowns, Dentures, Endodontics, General Anesthesia, Implants, Inlays, Onlays, Periodontics, and Veneers
Bridges, Crowns, Dentures, Endodontics, General Anesthesia, Implants, Inlays, Onlays, Periodontics, and Veneers
You pay
70% AD
70% AD
You pay
70% of the contracted fee, AD
70% of the contracted fee, AD
AD: After Deductible
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
This information is designed to help you choose a benefit plan for 2022 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
This information is designed to help you choose a benefit plan for 2022 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
Tax Considerations
In general, you pay for dental coverage before federal, state, and social security taxes are withheld, so you pay less in taxes. Please note that domestic partner contributions are regulated by the IRS and generally must be made on an after-tax basis. Similarly, the company contribution toward the cost of domestic partner coverage and his/her dependents is taxable income to you. Contact your tax advisor for more details on how this tax treatment applies to your specific situation.
In general, you pay for dental coverage before federal, state, and social security taxes are withheld, so you pay less in taxes. Please note that domestic partner contributions are regulated by the IRS and generally must be made on an after-tax basis. Similarly, the company contribution toward the cost of domestic partner coverage and his/her dependents is taxable income to you. Contact your tax advisor for more details on how this tax treatment applies to your specific situation.
Guardian $1,000 PPO Plan Premiums
Total Monthly
Premium
Premium
SimpleNexus
Monthly Cost
Monthly Cost
Employee
Monthly Cost
Monthly Cost
Employee Per
Pay Period Cost
Pay Period Cost
Employee (EE) Only
$17.30
$15.57
$1.73
$0.87
EE + One Dependent
$37.54
$33.79
$3.75
$1.88
EE + Family
$52.92
$47.63
$5.29
$2.65
A more convenient way to access your benefits.
Guardian is committed to ensuring that members have the right tools and resources to get the most from their benefits. This starts with making it easy to find a network provider in the free Guardian mobile app. With the app, members can also view, download, or email member ID cards.
Download the app by visiting the Apple Store or Google Play store.
Out-of-network coverage
A dentist who is “out-of-network” means the provider hasn’t agreed to negotiated rates. The plan pays benefits based on the usual & customary charge for a particular service. If the out-of-network provider charges more, you’ll be responsible for paying the amount that exceeds the usual & customary limit plus the applicable coinsurance and deductible.
Guardian is committed to ensuring that members have the right tools and resources to get the most from their benefits. This starts with making it easy to find a network provider in the free Guardian mobile app. With the app, members can also view, download, or email member ID cards.
Download the app by visiting the Apple Store or Google Play store.
Out-of-network coverage
A dentist who is “out-of-network” means the provider hasn’t agreed to negotiated rates. The plan pays benefits based on the usual & customary charge for a particular service. If the out-of-network provider charges more, you’ll be responsible for paying the amount that exceeds the usual & customary limit plus the applicable coinsurance and deductible.
$2,000 PLAN
PPO NETWORK
PPO NETWORK
In-Network
Out-of-Network*
Annual Deductible
January 1 - December 31
January 1 - December 31
You pay up to
$50 per individual
$150 per family
$50 per individual
$150 per family
Annual Maximum
January 1 - December 31
January 1 - December 31
Plan pays up to
$2,000 per individual
$2,000 per individual
Waiting Period
None for Preventive, Basic, or Major Services
Preventive Services
Cleanings, Routine Exams, Fluoride, and X-rays
Cleanings, Routine Exams, Fluoride, and X-rays
Plan pays
100% for covered services
No Deductible Applies
100% for covered services
No Deductible Applies
Plan pays
100% of the contracted fee for covered services
No Deductible Applies
100% of the contracted fee for covered services
No Deductible Applies
Basic Services
Bridge & Crown Maintenance, Extractions, Fillings, Sealants, Scaling & Root Planing, and Space Maintainers
Bridge & Crown Maintenance, Extractions, Fillings, Sealants, Scaling & Root Planing, and Space Maintainers
You pay
20% AD
20% AD
You pay
20% of the contracted fee, AD
20% of the contracted fee, AD
Major Services
Bridges, Crowns, Dentures, Endodontics, General Anesthesia, Implants, Inlays, Onlays, Periodontics, and Veneers
Bridges, Crowns, Dentures, Endodontics, General Anesthesia, Implants, Inlays, Onlays, Periodontics, and Veneers
You pay
50% AD
50% AD
You pay
50% of the contracted fee, AD
50% of the contracted fee, AD
AD: After Deductible
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
This information is designed to help you choose a benefit plan for 2022 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
This information is designed to help you choose a benefit plan for 2022 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
Tax Considerations
In general, you pay for dental coverage before federal, state, and social security taxes are withheld, so you pay less in taxes. Please note that domestic partner contributions are regulated by the IRS and generally must be made on an after-tax basis. Similarly, the company contribution toward the cost of domestic partner coverage and his/her dependents is taxable income to you. Contact your tax advisor for more details on how this tax treatment applies to your specific situation.
In general, you pay for dental coverage before federal, state, and social security taxes are withheld, so you pay less in taxes. Please note that domestic partner contributions are regulated by the IRS and generally must be made on an after-tax basis. Similarly, the company contribution toward the cost of domestic partner coverage and his/her dependents is taxable income to you. Contact your tax advisor for more details on how this tax treatment applies to your specific situation.
Guardian $2,000 PPO Plan Premiums
Total Monthly
Premium
Premium
SimpleNexus
Monthly Cost
Monthly Cost
Employee
Monthly Cost
Monthly Cost
Employee Per
Pay Period Cost
Pay Period Cost
Employee (EE) Only
$28.07
$15.57
$12.50
$6.25
EE + One Dependent
$62.16
$33.79
$28.37
$14.19
EE + Family
$87.63
$47.63
$40.00
$20.00
