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Taking care of your teeth can be expensive. That’s why having the right

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can keep you and your family healthy, but it also helps pay for more extensive

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unexpected expenses.

Plus, dental insurance can be an important way to protect your and your

family’s overall health. Some diseases and health problems are linked to

oral health3. .HHSLQJ�\RXU�PRXWK�KHDOWK\�GRHV�WKH�ERG\�JRRG�ş�VDYLQJ�\RX

PRQH\�RQ�health care in the long run.

Why Guardian for your dental coverage?

We have been a trusted name in insurance for over 155 years. To us, people

count. It’s at the heart of everything we do year after year. It’s no wonder

over 8 million dental customers4�ş�DQG�JURZLQJ�ş�SXW�WKHLU�WUXVW�LQ�XV�WR�JHW

the quality care they need.

Did you know...?

• For every $1 spent on

preventive services an

estimated $50 is saved

on more complicated

procedures1

• Tooth decay is the most

common childhood

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sleeping or eating habits,

and can contribute to

school absences2

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Guardian Dental Insurance PPO and DHMO Plans on the Health Insurance Marketplace

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Nelson Mora / Darlene Nashed

OMG-USNY-OSX-104/Nelson Mora

Account Mgr

Studio Artist

Q.C.

Client

9-25-2018 4:38 PM9-25-2018 4:38 PM

Saved:

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#: 1023098Client:

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You’ll have these advantages with Guardian:

• Large network of dentists to choose from�ş�*XDUGLDQ�LV�RQH�RI�WKH�ODUJHVW�

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you is easy.

• Dental e e en e that saves you money�ş�:LWK�RXU�ORQJ�VWDQGLQJ�ex erience, we have no ledgeworking with dentists to negotiate discounts for our customers. Any care you receive from a dentist who participates in our

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A choice of great dental plans

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So that you can choose what’s best for you and your family,

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DHMO Plan PPO Plan

0DLQ�'LƧHUHQFHV • Typically costs less than a PPO plan

• You must see a dentist who

participates in Guardian’s network

• Freedom to see any licensed dentist

you want

• You save more if you see a dentist who

participates in Guardian’s network

Costs for Insurance • Lower monthly costs • Higher monthly costs

Choice of Dentists • You must select and see a primary

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participates in Guardian’s network

• You can change your PCD even after

making your initial selection5

• A referral is needed to see a specialist6

• See any licensed dentist you want... but

save more if you visit a dentist in Guardian’s

network

• Family members can see the same dentist

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• No referral is needed to see a specialist

Costs at

the Dentist

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based on the service you receive.

Many diagnostic and preventive

services often have no copayment

• No deductible (dollar amount you’re

responsible for paying before the

insurance plan starts to pay)

NOTE: If you see a dentist who does

not participate in Guardian’s network,

you could be responsible for paying the

entire bill

• Pay for services up to your deductible

(dollar amount you’re responsible for paying

before the insurance plan starts to pay)

• After you meet the deductible, you pay a

percentage of the cost of a service (the plan

pays the rest)

• If you visit a dentist who is not part of our

network, after Guardian reimburses the

dentist based on what your insurance

covers, you’re responsible for any remaining

costs the dentist charges

Annual Maximum

(dollar limit on what

insurance covers)

• No annual maximum • Annual maximum applies

Other • No claim forms

• No waiting period (period of

time before you‘re eligible to

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• Waiting period (period of time before you‘re

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Nelson Mora / Darlene Nashed

OMG-USNY-OSX-104/Nelson Mora

Account Mgr

Studio Artist

Q.C.

Client

9-25-2018 4:38 PM9-25-2018 4:38 PM

Saved:

Current:

Artist:

Station:

#: 1023098Client:

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for children under age 19. This is a comprehensive set

of dental services, including diagnostic and preventive

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surgery and crowns.

All of Guardian’s dental plans on the health care

exchange marketplace include the pediatric essential

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necessary orthodontia.

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Members have easy access to information about

their Guardian dental plan on our secure website:

You can:

• Find a Dentist

• View and print ID cards

• Review the services covered under your plan

• Estimate the cost of a procedure through our

Dental Cost Estimator

• Check the status of a claim

• Get helpful tips and information to support

dental health

Questions? Contact us

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The Guardian Life Insurance

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New York, NY

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1When Connecting with A Dentist Doesn't Mean An Office Visit-Kaiser Health News, last accessed 2019.2 Center for Disease Control, 2019. 3http://www.mayoclinic.org/healthly-lifesyle/adult-health/in-depth/dental/art-20047475.%204/2016 4Based on Guardian and its subsidiaries, Manged DentalGuard, FirstCommonwealth Insurance, Premier Access and Access Dental, as of 2018. 5 Change your dentist at dentalexchange.guardiandirect.com or by calling 1-844-561-5600. For TTY/TDD call 711 (Monday-Friday, 6 a.m. to 6 p.m. PT) 6 Specialist Services must be reviewed and authorized prior to getting the service.The Guardian ife Insurance Company of America, New Yor , NYManaged Dental Guard Plan DHMOs are underwritten by The Guardian Life Insurance Company of America (CO,

FL and NY) or one of its wholly owned subsidiaries: Managed Dental Care (CA); First Commonwealth Insurance

Company (IL); First Commonwealth Limited Health Services Corporation (IN); First Commonwealth Limited

Health of Michigan (MI); First Commonwealth of Missouri (MO), or Managed 'HQWDO*XDUG��,QF���1-��2+�DQG�7;���'HQWDO�332�3ODQV�DUH�XQGHUZULWWHQ�E\�7KH�*XDUGLDQ�/LIH�,QVXUDQFH�

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ON-17 IP-FCW-DHMO-I -ON-17 IP-MDG-NY- HB-ON-20 IP-MDG-NY-FP-ON-20 IP-1-MDG-DHMO-T -17 IP-D NF-16-F IP-D NF-16-GA IP-D NF-17-I IP-D NF-P D-20-I IP-D NF-19-IN IP-D NF-18- A IP-D NF-20-MI IP-D NF-17-MO IP-D NF-17-N IP- HB-D N- CH-20-NY IP-D NF-

CH-20-NY IP-D NF-16-NC IP-D NF-20-OH-P AN1 IP-D NF-20-OH-P AN2 IP-D NF-20-OH-P AN3 IP-D NF-20-PA IP-D NF-17-SC IP-D NF-17-TN IP-D NF-18-VA IP-D NF-17-WI G A DIAN is a registered service mar of The Guardian ife Insurance Company of America

Copyright 2019 The Guardian ife Insurance Company of America.

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