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DENTAL

Core Plan

In-Network: Benefits are based on the negotiated contracted fee schedule (an average discount of 30%).
Out-of-Network: Benefits are based on the discounted fee schedules agreed upon by our network dentists. Any amount that is charged over the fee schedule is the responsibility of the patient. If you always use network providers, consider the Core Plan.

Buy-up Plan

In-Network: Benefits are based on the negotiated contracted fee schedule (an average discount of 30%).
Out-of-Network: Benefits are based on usual, customary, and reasonable (URC) charges that dentists in your area charge for each procedure.

If you want freedom to choose between in-network and out-of-network providers, consider the Buy-Up Plan.

To check if your current dental provider is in network, please use the following link and instructions. Visit Guardian.

  1. Choose plan type “PPO”
  2. Enter location
WATCH: Dental Insurance Plans and Users Tips

Resources
Dental Summary
Texas Dental Summary
Guardian Max Rollover Oral Health Rewards TX Employees
Guardian Max Rollover Oral Health Rewards
Guardian Core (Value) Plan Information
Recursos
In-Network Benefit Summary Core Plan Buy-up Plan
(All States Except Texas) 		 Buy-up Plan
(Texas Only)
Deductible $0 $50 $50
Preventive Care Covered at 100% Covered at 100% Covered at 100%
Basic Care Covered at 80% Covered at 90% Covered at 80%
Major Care Covered at 50% Covered at 60% Covered at 50%
Orthodontia Covered at 50% Covered at 50% Covered at 50%
Annual Max Benefit $1,000 $2,000 $2,000
Level of Coverage Core Plan Buy-up Plan
Employee only $23.08 $43.03
Family $50.94 $117.03