For companies looking for the best possible dental care for their employees, Guardian dental insurance plans make good practical and financial sense. The Guardian dental network of providers is some 90,000 strong and offers exceptional choice and quality for members. Guardian offers several different options for companies and consumers including an outstanding Dental PPO plan, a pared-down traditional plan called DentalGuard Basic, and a number of exclusive regional Dental HMO offerings.
One of the most attractive aspects of Guardian dental insurance is the choice of in-network providers; the Dental Preferred PPO allows members to take full advantage of Guardian’s expansive network to find a primary care dentist. Members of the Dental Preferred PPO can see any dentist inside or outside of the Guardian network but receive significantly better rates on in-network services, up to 30% less in some cases. This makes it a popular choice among employers looking for the most cost-effective and comprehensive solution for the dental needs of their staff. The Dental Preferred PPO plan features an annual maximum benefit which limits the amount paid out by Guardian during any given year.
The DentalGuard Basic plan is a low-cost Guardian dental insurance option that, as its name suggests, provides a basic level of dental insurance that can be customized to dovetail with existing insurance plans or tailored to the specific needs of members. While the benefits of DentalGuard Basic cannot compete with the higher level of coverage provided by the PPO and HMO plans, this basic insurance plan is designed for members who need only basic coverage and a minimal level of emergency dental insurance.
In some areas, Guardian dental insurance plans include Dental HMOs, which offer a higher rate of coverage for members who are able to meet their dental care needs within the extensive Guardian network of providers. These HMOs typically feature lower premiums and higher levels of benefits than other Guardian plans, due to the savings realized by Guardian when members stay in-network for all their dental care. Guardian Dental HMOs usually cover preventive and diagnostic services completely and require no copayment for these routine X-rays and teeth cleanings; other more complex and extensive dental procedures are covered at a certain percentage of their total cost. In most cases, coverage is subject to an annual maximum benefit; once the member has reached that limit, no further benefits will be paid for the remainder of the year.
One available benefit for Guardian dental insurance members is Maximum Rollover, a feature which allows covered members to carry over the unused portion of their annual maximum benefit from year to year. This can allow members to plan for expensive dental procedures and save up coverage to make dental care more affordable. The entire line of Guardian dental plans is designed to offer outstanding benefits for consumers while ensuring that costs remain under control.