Friday, April 19, 2024

Guardian Dental And Vision Insurance

Why Its Important To Have Vision And Dental Insurance

Cols Guardian Dental, Vision and Life Presentation

The fact is, oral and eye health are essential to our overall wellbeing. Many serious conditions can be detected in their early stages by an eye exam, including diabetes, high cholesterol, and hypertension.1 Oral exams can be just as revealing: More than 90% of all common diseases have oral symptoms.2 And the importance of oral health goes beyond detection: Guardian studies and other third-party research show that good oral health can help adults avoid or better manage serious health-related issues:

  • Diabetes. Periodontal infections contribute to problems with glycemic control, which compromises the health of diabetic patients.
  • Heart disease. The inflammation associated with periodontal disease has a high potential to contribute to coronary artery disease. Good oral health can lower that risk.
  • Pregnancy. Studies have indicated that mothers with high levels of certain oral bacteria were found to have children with similarly high levels of bacteria, along with a higher risk of tooth decay.
  • Self-esteem. Research shows that healthy teeth and gums are important to a persons self-esteem and how they feel about themselves.

All this should come as no surprise. Its hard to consider yourself a healthy and happy person when your eyesight is impaired, your mouth hurts, or youre worried about whats happening with your teeth.

Individual Dental Insurance Plans & Insights:

Ready to start shopping for an individual dental insurance plan? With instant approvals and guaranteed acceptance, you can get a free dental insurance quote and enroll in a plan today. Dental insurance is available for purchase online 24/7, with no need to wait for open enrollment periods.

Weve compiled a list of resources to help you learn more about dental insurance for individuals, how much dental insurance typically costs, and self-employed dental insurance. Visit the links below to learn how to find a dental insurance plan for individuals that suits your needs.

What Is The Best Dental Insurance For Self

“Shop eligibility” for group plans typically starts at companies with 2+ employees if you are self-employed, you’ll likely have to get individual dental coverage. Plans vary in their combinations of benefits, features, rates, and coverage options. Generally speaking, the best dental insurance for an individual or family is the plan that provides the most value by letting them see a dentist they like and offers coverage for the treatments they’re likely to need at a price that fits their budget. While dental discount plans may seem like an attractive alternative, you should note that they only offer discounts and don’t encourage preventive care by paying for the entire cost of routine checkups.

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Should Children Get Vision And Dental Insurance

The Affordable Care Act has minimum essential requirements for pediatric vision and dental care, so these will be covered under your medical plan. But keep in mind ACA pediatric vision coverage doesnt typically cover corrective lenses and frames, and dental coverage is relatively limited as well. Thats why many parents with young children find it important to have additional dental and vision coverage.

Is Guardian Dental A Ppo

Employee Benefits l Guardian Anytime

You can choose from a number of plans, including a Preferred Provider Organization plan or a Dental Health Maintenance Organization plan according to your individual requirements and budget. The Guardian Dental PPO plan has 420,000 dental clinics and 120,000 providers in its network of dentists.

Guardian Dental Preferred Provider Organizations : This is your typical indemnity insurance plan that uses a network of dentists who are under contract with Guardian Dental and who provide specific services for set fees. An indemnity dental plan like the Guardian PPO pays a percentage of your claims costs based on the specific dental procedures that are performed.

With a Guardian Dental PPO:

  • You pay a monthly premium for dental insurance that covers a percentage of your dental costs after you meet a deductible. Dentists in the Guardian PPO must accept the maximum fee allowed as dictated by Guardian Dental.
  • You dont need a referral to visit a dental specialist. You can visit any dentist you wish, but youll save money by choosing one thats in the Guardian Dental Preferred Provider Organization.
  • PPO dentists dont require a referral, but some may have a waiting period. This means you might not be able to get an appointment right away.
  • You wont need to pay a copay if you see a dentist in the Guardian Dental PPO network. Plus, your dentist will file all of your claims for you.
  • Keep in mind that your insurance will pay an annual maximum.

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What Does A Guardian Dental Plan Cover

You can apply for Guardian Dental insurance if you are no longer working or if you work for yourself. Plans range in price from $16.85 to $33.99 per month. Plus, its easy to enroll you can do this online in just a few minutes.

Guardian Dental insurance plans offer varying levels of coverage for dental services like:

  • Regular dental exams

Preventive dental care like checkups and cleanings will cost you little to nothing.

Guardian Rate Adjustments Effective January 2018

Guardian has announced rate adjustments for January 1, 2018 effective dates with no changes to benefits or underwriting. Rates are available for quoting! RATES Average Increase: < 1%CONTRACT UPDATEB& P can now write groups up to 99 lives! Groups will fewer than 51 employees can continue to be quoted in bpQuote. For groups of 51-99, please contact a member of your B& P Sales Team.

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Freelancers And The Self

More than 6% of American workers are self-employed³ and over 40 million Americans of all ages consider themselves consultants, freelancers, contractors, solopreneurs, temporary or on-call workers.

Many freelancers or self-employed individuals typically dont receive dental insurance from a group plan, and even comprehensive health insurance plans typically do not include full coverage dental benefits, if any. But without dental insurance, a dental emergency can turn into a financial disaster. Taking care of your dental health may not feel like a major priority, but maintaining dental insurance coverage as a freelancer can help prevent potential out-of-pocket costs from hurting your bottom line.

Dental insurance can help lower the cost of procedures like fillings, extractions, crowns, and root canals through negotiated rates with a network of dentists and by covering a percentage of the cost of dental care.

You Depend On Your Eyes Every Day Take Care Of Them

Guardian Life EASI (Easy Access for Insurance)

Corrective lenses, preventive care, and annual exams help ensure that your eyes perform at their best. Studies suggest that 75% of us need vision correction, and nearly 64% choose eyeglasses.2 No matter what shape your eyes are in now, at some point in your life, you’ll likely need vision correction. That’s why more and more people who care about their health ensure they have access to quality vision care.

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What Is Vision Insurance

Insurance for vision helps protect the health of your eyes. How? Vision insurance plans cover routine eye examinations and help pay for glasses, frames, and contact lenses. Even if your eyes don’t need correction, modern life and digital screens can create stress and problems for your eyes. Regular eye examinations are also important for general health because they can detect diseases like glaucoma and diabetes.1 That’s why everyone in the family needs it.

Is Guardian Dental Insurance Right For You

Guardian Dental is one of Americas largest providers of dental insurance plans. The company covers over seven million members in the United States. But is Guardian Dental insurance right for you? Shopping for dental insurance can be challenging. Weve provided some important information you need to know to decide if you should choose Guardian Dental.

Key takeaways:

  • The Better Business Bureau gives Guardian Dental an A+ rating.
  • Guardian Dental is one of the most affordable plans on the market.
  • Guardian Dental offers both PPO and DMHO plans.
  • With Guardian Dental, you can choose from three levels of PPO dental plans.
  • Americans who have dental insurance are more likely to visit a dentist, receive the dental care they require and experience greater overall health.

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Vision And Dental Coverage Go Great Together For Your Total Health

At the end of each year we often have a renewed commitment to our future health. We are full of energy and excited to start new projects, buckle down on our fitness goals, learn new skills or break old habits that are no longer serving us. But we dont need the end of the year to embrace anything healthy.

No matter the season, taking care of your body from head to toe is important for day to day well-being, long-term health and even overall happiness. For many of us, making sure that we are doing all the right things for health is made easier when we have insurance coverage. It helps to cover costs and removes some stress about financial burdens from unexpected events.

But sometimes the standard insurance offered isnt enough for your entire body. If you currently have medical insurance coverage and have wondered if you really need dental or vision, nows the time to learn about your options and consider signing up. Well show you how dental insurance and vision insurance are a match made in heaven.

For Vision and Dental Health, Go Beyond Regular Medical Insurance

Your medical insurance covers many things you would expect, from doctor visits to hospital stays to prescription drugs. Those plans often cover preventative care like blood tests and cancer screenings like mammograms.

Vision and Dental Health: Windows Into Your Overall Well-Being

Dental Insurance: So Much More Than X-Rays

Vision Insurance Offers More Than Preventative Care

Guardian Awarded Life Insurance Brand Of The Year By Harris Poll Survey

About Our Products and Coverage

Guardian Awarded Life Insurance Brand of the Year by Harris Polls 2017 EquiTrend SurveyBusiness WireJune 15, 2017NEW YORK – The Guardian Life Insurance Company of America , one of the nations largest mutual life insurers and a leading provider of employee benefits, has been recognized as Brand of the Year in the Life Insurance category, according to The Harris Poll® EquiTrend Study, which reveals the strongest brands across industries based on consumer response.

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Small Business Dental Insurance Plans

When you run a small business, you wear a lot of different hats. But since you can’t wear them all at once, you need to attract and keep good employees. The right dental benefits can help you do that. Want a quote? We can get you in touch with a broker right now. Or, read on to learn more.

Employees like working for a company that offers dental benefits. In fact, 75% of employees consider dental insurance very important.1 After all, it can help keep them healthier.

Without good oral care, people are:

67% more likely to have heart disease

50% more likely to have osteoporosis

29% more likely to have diabetes


Dental Insurance For Veterans

Only about 8% of veterans qualify for dental care through Veterans Affairs . Your eligibility depends on various factors, including your military service history, your income, and your current health, and living situation.

If you dont qualify for VA dental care, you can enroll in an individual dental insurance plan. Depending on the coverage that you need you might find that private dental insurance plans suit your needs and budget better.

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Why Dental Insurance Can Be A Good Investment For Individuals Families And Businesses

The majority of dental care is preventive. So, even a basic dental insurance plan that focuses on preventative care can be a good investment.

Oral health issues are among the most common and preventable health concerns impacting the American public. The Centers for Disease Control and Prevention calculates that 80% of the U.S. population has had at least one cavity by age 34, and more than 50% show signs of periodontal disease.1 And while everyone wants a nice smile, a growing body of research2 shows that maintaining good oral health can help adults avoid or better manage serious health-related issues:

  • DiabetesPeriodontal infections contribute to problems with glycemic control, which compromises the health of diabetic patients.
  • Heart diseaseThe inflammation associated with periodontal disease has a high potential to contribute to coronary artery disease. Good oral health can help lower that risk.
  • PregnancyStudies have indicated that mothers with high levels of certain oral bacteria were found to have children with similarly high levels of bacteria, along with a higher risk of tooth decay.
  • Self-esteemA smile is important. Research shows that healthy teeth and gums are important to a person’s self-esteem and how they feel about themselves.

Guardian Worklifematters Eap Small Business Covid

Benefits of Guardian Vision Insurance: See the Value

Currently, 92% of small business owners are reporting a moderate to very high level of stress at this time, yet over 70% are still optimistic about the future. Guardian is committed to providing their small businesses customers with the support they need to help navigate the challenges of this unprecedented time.

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How Much Does Dental Insurance Cost Employers

As with health plans, average cost estimates vary widely depending on business size, location, plan type, and coverage levels. Even so, the cost of quality, employer-paid coverage is much lower than a health plan, commonly in the range of $20 to $50 per person per month.3 Plus, you could qualify for a tax credit.4 It’s also important to note that dental insurance can also be offered as a voluntary benefit, with minimal costs to the business. Employees still come out ahead because employer plans offer affordable group rates and may have more features than a comparable individual plan.

Is Guardian Dental Insurance Any Good

Guardian Dental offers excellent dental plans for both individuals and families. You can now get benefits and low rates that were once only offered in group plans. The company offers comprehensive dental plans, and it doesnt charge sign-up fees.

The Better Business Bureau gives Guardian Insurance an A+ rating, and Guardian Dental has a BBB Accreditation.

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What Dental Insurance Is And How It Works

Dental plans generally fall into one of two categories: basic coverage and full coverage. Generally speaking, a basic dental plan covers preventive care such as checkups, cleanings, x-rays and a few basic procedures, like cavity fillings.

Full coverage plans cover much more and often at a lower out-of-pocket cost to you. For example, they may cover a wider range of preventive procedures such as fluoride treatments and sealants and they may cover those treatments in full or with just a small copay. In addition, a good full coverage plan will cover other types of procedures, including:

  • Basic restorative care: This includes fillings, extractions, and non-routine X-rays
  • Major restorative care: Bridges, crowns, dentures and the like
  • Orthodontic treatment: Braces and other types of teeth aligners

Does Medical Insurance Cover Vision And Dental

Grow Your Dental Practice for Providers

Health insurance coverage typically does not provide benefits for routine dental and eye care services, nor do they offer discounts for things like eyeglasses. However, medically necessary, non-cosmetic procedures to treat issues like eye disease will typically be covered in a health care plan. Also, Affordable Care Act compliant health insurance plans purchased on an exchange must include dental and eye care benefits for children, but that is not required for adults.

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What Does Vision Insurance Cover

Guardian Direct vision insurance plans cover all or a portion of the cost of most routine vision care, including the following:

Eye exams

Every Guardian Direct vision plan includes an annual Well Vision Exam® for just $15 at a doctor in the VSP network.


Glasses are covered up to your plan allowance after a $25 copay. You can also save 20% on additional pairs.


Frames are covered up to your plan allowance, plus 20% off on any overages. Youll get an extra $20 allowance for featured frame brands.


Contact lenses are covered up to your plan allowance, with no copay. Members save 15% of contact lens exams.

Care Costs Less When You Use A Network Dentist

In a DHMO, you’re only covered when you see a network dentist. But what about a DPPO? Even though you go can outside of the network, it’s almost always worth your while to see a network dentist because you’ll get the PPO discount: insurance companies negotiate discounted fees on your behalf, and the savings can be substantial . For example, if your dentist typically charges $100 for a particular treatment, with the discount, you may only be charged $60-$70.

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Why Children Need Coverage

Poor eyesight can lead to misdiagnosis of learning and psychiatric disorders, which can result in behavioral problems.3

Vision insurance plans complement health insurance because preventive eye care is essential to your overall health. Vision problems are the fourth most prevalent disability in the United States and one of the most prevalent conditions in childhood.2

Even if you have perfect eyesight, it’s important to have regular eye exams to make sure you still see clearly. Most of us eventually need vision correction.

It covers routine eye exams and helps pay for glasses, contact lenses – things not typically covered by health insurance.

Vision care is vital to overall health, and coverage helps encourage an annual eye exam. It also makes glasses and contacts easier to afford.

How Vision Plans Work And Provide Savings

VSP Retirement Options

Vision plans provide coverage for routine eye care exams not covered by most medical plans. But unlike dental insurance plans, they also provide discounts on the eyeglasses and contact lenses you need to correct vision problems. And you’ll find that the plans are typically very affordable.

75% of us need vision correction4 so even if you have 20/20 eyesight now, chances are you’ll need correction at some point in your life. Adults and children alike should have an annual eye exam to test for such things as sharpness, color blindness, how the eyes work together, the presence of glaucoma, peripheral range, and more. For a few dollars a month, a vision plan can make annual eye exam services more affordable while also helping lower the expense of other types of eye care:

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