Count on the value and power of a dental insurance leader
Bringing the right dental insurance carrier to you clients is no small matter. Dental insurance is a highly desired employee benefit, and has implications to overall employee health. So your clients are going to want a solution that offers quality and affordability, too.
With Guardian, you and your clients can count on a dental insurance carrier that has consistently maintained one of the highest reputations in the industry, a reputation based on our flexible products, the strength of our network, and the quality of our service. That ensures members have access to preventive services, basic services, or major services, as needed — something more than 8 million current Guardian members enjoy. So recommending Guardian for a dental insurance plan isn’t just an obvious choice. It’s a smart one.
Offer dental insurance that focuses on overall health
Without good oral care, people are 67% more likely to have heart disease; 50% more likely to have osteoporosis and 29% more likely to have diabetes.1 That’s why it is no surprising that 75% of employees consider dental coverage very important.2
Guardian is committed to keeping members healthier by helping them save on important oral care treatments. Guardian covers oral cancer screenings, including ViziLite Plus, enhanced periodontal treatments, dental implants, and an additional cleaning after the maximum is met.
We also offer an array of features to extend the annual maximum, adding more value to benefits including:
- Preventive Advantage, which enables members to get dental exams, cleanings, X-rays, and fluoride treatments without deductions — all from their annual maximum.
- Maximum Rollover, which helps members save by rolling over a portion of each member’s unused annual maximum for future use. This helps promote regular annual dental visits and helps make future treatments more affordable. Rewards are increased when a contracted dentist is visited.
Customize dental insurance solutions for companies of any size
Guardian Dental insurance plans are highly flexible. Working with your clients, you can design the plan — or plans — that best meet their needs. In select markets, choose between Managed Dental Care (DHMO/Pre-Paid) and PPO. We can structure plans that are employer-paid, voluntary, or Administrative Services Only (ASO) options.
The advantages of an ASO dental insurance plan
These self-funded dental plan options could make great sense to many employers — of all sizes. With our ASO Dental offering your clients can have:
- 13% – 17% cost savings, on average (savings vary by company)
- Better cash flow
- No ACA taxes
- Fewer state regulations
Our ASO Dental offering puts the power of our network to work for your clients
Our ASO clients have access to the same innovative plan options and strong and growing network as fully insured clients, which may be one of the reasons we’re among the top choices in the category.3 Our claims processing software helps save clients money by detecting incorrectly submitted claim codes and correcting them. With our direct billing option, Guardian pays claims and your clients are billed at the end of the month to help your clients with cash flow.
We also offer an innovative ASO Level-Funded plan that gives clients the flexibility to take advantage of the best of self-funded and fully insured plans. This plan offers fixed monthly costs with a 105% or 110% aggregate stop loss — so the plan is funded at maximum employer liability. If claims run lower than expected, the carrier will refund dollar for dollar to the employer or the employer can use the funds to offset future liability.
One of the largest dental networks
Both employers and employees want the reassurance of a wide choice of providers. Guardian gives employees access to one of the nation’s largest and strongest networks, built to ensure that the dentists employees want to see are in our network. And our network is always growing. Our unique approach includes local recruiters who work with you and your clients to attract dentists based on their location and claim activity. We offer recruitment guarantees and commitments for certain size groups, and we’re able to negotiate highly competitive rates.
A commitment to service that shows
Our members have expressed a 99% satisfaction rate with Guardian-contracted dentists.4 And they appreciate a consistent level of service, including a claims process that takes an average of just two days with 99.7% accuracy.4
Finding innovative ways to add value
With Guardian Dental, employers may also offer employees a unique, value-added benefit. The College Tuition Benefit® helps eligible Guardian members pay for up to one year of college at more than 380 private colleges and universities across the nation.5
Helping you every day, online
Guardian makes it easy for members to manage their benefits at GuardianAnytime.com, where they can:
- Find a dentist
- Submit and check claims
- Download forms
- Learn about oral health
- Estimate cost of dental care
Plus, members can easily find a dentist or access their ID card from their smartphone or tablet with our mobile app.
Ready to take the next step?
Learn more about why Guardian is a smart choice for dental insurance. We can provide any help you need in determining the right coverage for your clients.