Guardian Dental Insurance For Individuals - Guardian offers comprehensive dental insurance that you can buy on your own or through your employer. It includes basic and preventive care as well as more advanced services such as root canals, crowns, bridges and dentures.
Guardian has an extensive network of over 120,000 providers. It offers a variety of plans so you can choose a plan that fits your budget and your dental needs. Guardian plans start at just over $8 a month.
Guardian Dental Insurance For Individuals
The plans that Guardian sells directly are PPOs, which means you can see out-of-network dentists, but you'll pay more than an in-network dentist. Guardian also offers HMOs through employers. HMOs may not pay if you see an out-of-network dentist.
Insurance & Payment
While everyone should consider dental insurance, Guardian's affordable plans are especially good for young adults who may have limited budgets and limited dental care needs. Guardian also offers orthodontic care (braces) and regular, preventive services for families.
Dental health is an important part of your overall health. But dental care can be expensive if you need more extensive care.
Each plan has its own risk, which is the amount you must pay before Guardian starts paying you. For example, all three plans have a $0 deductible for preventive care received from an in-network dentist. All other services have a $50 deductible.
Guardian, like most dental plans, also has a maximum payment. This is the most the Guardian will pay in a year. Guardian raises his salary every year.
Payment Options — Total Health Dental Care
With the Gold plan, it pays a maximum of $1,000 during your 1 year. Year 2 has a maximum of $1,250. After that, the maximum payout is $1,500. Implants have a lifetime maximum of $1,000 Orthodontics has an annual maximum of $500 and a lifetime maximum of $1,000.
The Silver Plan pays a maximum of $500 in your first year, up to $750 in your 2nd year, and up to $1,000 in your 3rd year and beyond. Dental implants have a lifetime maximum of $700.
The Bronze plan pays up to $500 in your first year, up to $750 in your 2nd year, and up to $1,000 in your 3rd year and beyond with Guardian.
The Guardian does not have information about individual policyholder claims on its website. In general, dentists often process insurance claims through their office. In some situations you may need to contact the Guardian and make a complaint as instructed.
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The Guardian has a mobile app available on Google Play and the Apple App Store. The mobile app allows you to find providers and search for your insurance cards. This can be useful if you want to carry important insurance information with you. However, this may not help you get much further.
You may not contact customer service or submit or track claims through the mobile application. As a result, you should contact your provider if you have any questions about billing or claims.
Guardian's 3 plan levels make it easy to choose a plan that fits your budget. It has affordable plans starting at around $8 per month. The lowest-priced plan offers the lowest amount of coverage, so keep that in mind when deciding which plan to buy.
Of course, if you buy a Guardian dental plan through your employer, you may pay a different price. Employers often pay a portion of the cost of insurance, and Guardian offers different plans through employers than those offered to the general public.
Payments & Insurance
Whether you buy it through an employer or on your own, carefully consider the benefits before you buy.
Guardian Customer Service Centers are available from 6:00 a.m. to 6:00 p.m. PST. If you purchased your dental insurance through your state's health insurance plan, call 1-844-561-5600. If you bought insurance directly from Guardian, call 1-866-569-9900.
Guardian does not offer other customer service options such as email or live chat, so you will have to call for help.
Guardian offers affordable dental insurance plans that cover a wide variety of dental services. Its mobile app isn't the most functional and could offer more information on claims and more customer service options. But the process of buying coverage is easy, and you have maximums that increase the longer you have your policy.
Real Time Benefits Administration
Please note that Guardian has a waiting period for certain services. If you're expecting dental work in the future, it's best to buy a policy now to cover a waiting period of 6 or 12 months. You will also have a higher maximum benefit after 1 year of your coverage.
Guardian may be the best dental insurance if you like the flexibility of a PPO and no waiting period. If you have a dentist you like, check if they are in network with Guardian. If not, you can choose a dental plan that includes your dentist as an in-network provider.
When comparing plans, look at more than just the monthly cost. Consider the percentage the plan will cover for each type of service, plan waiting periods, deductibles, and plan annual maximums. If you need implants or a family member needs orthodontic care, confirm that they are covered by your plan. Many insurance companies exclude them or limit the annual benefit for these services.
Another dental care option is a dental discount plan. These plans are not insurance, but they can lower your dental costs. Dental discount plans require a monthly or annual premium and you will receive a discount card that you can use at dentists who have agreed to work with the plan.
Insurance Information Torrance Ca, Dental Office
Your discount is valid at the time of service, so you don't have to worry about making a claim or going over your annual maximum. You also don't have to wait to get certain services.
Visit our trusted partner to compare discount dental plans. With a few clicks, you can see what plans are available in your area and compare plans.
No. You can pay cash for dental treatment if necessary, but dental insurance can help keep costs down.
Yes, you can buy dental insurance on your own, but it's cheaper if you can get insurance through your employer or through a specialty program.
Delta Dental Comparative Plan Summary
Customer service representatives have no knowledge of the product. I had to spend two and a half hours on the phone to confirm that my dentist was in network. I received a $137 bill for the exam and the cleaning, which was supposed to be both
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