For example, if a dental plan requires you to contribute a flat fee of $50 for a filling, that amount is a copayment. A copayment is a fixed dollar fee for a service. Fees for dental services paid for by the patient (called "out-of-pocket costs") typically come in the form of copayments or coinsurance fees. The monthly fee an enrollee pays for insurance coverage is known as a premium, and the amount you need to spend on your own before the insurance company begins to pay for care is known as a deductible. Understanding Dental Insurance Costs & Saving on Dental Careĭental insurance has its own language for dental insurance costs. GUARDIAN®, the GUARDIAN G® logo and Guardian Direct® are registered service marks and registered trademarks of The Guardian Life Insurance Company of America and are used with express permission. Dental provider networks vary by state, by market and by plan type.” In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. Coverage begins on the first of the month following enrollment. Waiting periods and deductibles vary by state, and by plan type. Products are not available in all states. Guardian Direct plans are underwritten and issued by The Guardian Life Insurance Company of America New York, N.Y. Guardian assumes no responsibility for non-Guardian products or services offered by DI.COM. Products or services advertised or offered by non-Guardian companies on Guardian’s website(s) are subject to each company’s participation requirements which Guardian does not control. Guardian products are those identified as having been issued or underwritten by The Guardian Life Insurance Company of America® (Guardian) or a named Guardian owned subsidiary. *Savings based on Guardian Internal Effective Discount Reporting measured against the Fair Health mean. Some plans may not be available in all states. DI.COM is a wholly-owned subsidiary of Kelsey National Corporation.Ĭosts vary by state and plan type selected. You can find additional products here.ĭ (DI.COM) is a third-party broker available to help you enroll in a Guardian Direct dental plan. Guardian Direct empowers you with benefit flexibility, mobility, and stability through an individual benefit platform, leading with dental. Guardian Direct is part of the Guardian Life Insurance Company of America. Members also have access to a customer support team via phone, email, or chat (M-F 9am-9pm ET). View policy information and manage premium payments.Access digital ID cards & add to Apple Wallet.Guardian Direct customers have 24/7 access to an online Member Portal, where they can: Four plans designed with you in mind: : Explore comprehensive dental plans that cover cleanings, exams, X-rays, root canals, crowns, implants, dentures, braces, teeth whitening, and more.It's 100% guaranteed! No enrollment fees. Guaranteed approval: Enroll online and get approved in a few minutes.No Waiting Period in most states: Access benefits like fillings, simple extractions, cleanings & more as soon as your coverage starts with their Core, Achiever & Diamond plans.Spend less out-of-pocket: Guardian Direct plans help customers save up to 40% off standard dental rates in-network.*.Looking for something new? Their online tools make it quick and easy to find in-network providers near you. Access to one of the largest networks in the U.S.: With 120,000+ dentists to choose from, there's a good chance you'll be able to keep seeing your current dentist.Sign up now! Guardian Direct keeps things quick, easy & all about you See why has proudly partnered with Guardian Direct for the past 12 years. Backed by one of the industry's most stable companies, they bring the best of Guardian's 160 years directly to you. Guardian Direct knows a lot about insurance.
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