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Guardian Dental providers aren't difficult to find. With over 90,000 participating dentists throughout the United States, plan members have plenty of options. These providers offer affordable professional dental care to individuals and their families. This program is often used by employers who wish to extend coverage to employees. Unlike many other plans, this choice is very affordable. The plan is very attractive because of the price and diverse amount of dental providers. Guardian also offers life and vision insurance policies.
All Guardian Dental providers are able to perform a wide array of services. Routine exams, x-rays and cleanings are covered in most plans. There are several different plans to choose from. Guardian's providers are able to perform the procedures covered in individuals' HMO or PPO plans. In addition to coverage for basic preventative services, Guardian Dental plans also include complex care. Root canals, oral surgery and implants are covered. However, complicated procedures usually aren't compensated at the same percentage rate as basic preventative services.
With a 97% satisfaction rate for Guardian Dental providers and services with the HMO plan, members are rarely disappointed. The HMO plan features a copay amount for various services and procedures. The copay percentage is small, especially when compared against the regular rates for the same services. One of the most advantageous aspects of the HMO plan is that there is rarely a deductible to meet. However, there is an annual maximum benefit amount assigned. Any dental care beyond that amount is the financial responsibility of the individual. Another benefit, which is uncommon in most dental plans, is the Maximum Rollover feature. This adds all unused benefit amounts to the following year's balance.
The Guardian Dental providers who service PPO members also notice a high rate of satisfaction. Members who hold a PPO policy are able to choose any dentist they wish to see. However, more benefits are awarded when members use a dentist that is part of the company's provider network. Many PPO plans include a deductible. Members must pay the amount of the deductible in services before they are able to enjoy the attractive discounts. Policyholders receive discounts that are close to 30% less than the regular cost of dental care. The amount of time it takes to file a claim and receive compensation is short. Most claims are completed in less than five days. Serving over 6.7 million individuals, Guardian Dental providers know how to keep customers satisfied.