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Guardian Anytime FAQs | Account/Policy Questions | Product/Service Questions | Career Questions | General Questions | First Commonwealth Dental Questions
What is Guardian Anytime?
Guardian Anytime, our secure website for Group Benefits plans, offers comprehensive self-service capabilities for employers, their employees, our producers and healthcare professionals. Registered users can go online anytime, anywhere — it's available 24 hours a day, 7 days a week.
If I'm an employer, what can I do on Guardian Anytime?
Benefits administration has never been easier. Through Guardian Anytime, managing your Guardian account is right at your fingertips — manage member changes (enroll, add dependents, terminate members), view and pay your bill online, download or order forms and plan materials and much more!
If I'm a member, what can I do on Guardian Anytime?
Members and dependents can access Guardian Anytime for helpful information about their benefits. They can review benefits, look up coverage amounts, check the status of a claim, find a provider and much more! Members of Guardian Medical Plans can also access a variety of educational resources and discounts.
If I'm a producer, what can I do on Guardian Anytime?
It's easy for you to manage your Guardian group business through easy-to-use web tools. You can view your current commissions, track progress toward producer compensation programs, view/print/email forms and materials and much more!
If I'm a healthcare professional, what can I do on Guardian Anytime?
Through Guardian Anytime, hassle-free plan administration is right at your fingertips! Healthcare professionals can access Guardian benefits information instantly — verify eligibility, look up coverage amounts, check the status of a claim and much more!
How can I register for Guardian Anytime?
It's easy! Just go to www.GuardianAnytime.com and click on the "Self-register" link.
Account/Policy Questions:
I want to access my account/policy information online. Where do I go?
If you have Group Benefits through Guardian, go to the upper right-hand corner of the homepage and click the appropriate login link.
If you have an annuity, mutual fund, 401(k) or SIMPLE IRA with Guardian Investor Services, LLC (GIS) or Guardian Insurance & Annuity Company, Inc. (GIAC), visit GuardianInvestor.com.
If you have a brokerage account with Park Avenue Securities, LLC, visit PAS DirectPLUS.com.
If you are enrolled in an investment advisory program with Park Avenue Securities, LLC, visit My Advisory Programs.
If you have a trust account with Guardian Trust Company, FSB, you can login to Guardian Trust Accounts Online for summary performance information and transaction history. You can also login to My.InvestmentScorecard.com for detailed performance information.
I have questions about my account/policy and I would like to speak to someone on the phone. Where do I find important phone numbers?
Click Contact Us, which is located under the Help category in the top navigation. In the related links area of this page is a link to Mail/Fax/Phone, where you will find phone numbers, fax numbers and mailing addresses for Guardian's customer service centers.
Product/Service Questions:
What is the full range of products and services offered by Guardian?
You can view a full list of products offered by Guardian by visiting the Product Portfolio page.I am ready to purchase a product from Guardian. How do I get started?
Guardian sells its products through Financial Representatives. You can find a Financial Representative near you by visiting the "Act with your Financial Representative" page. A link to this page is located on the homepage, under the header "Educate Yourself."
A career as a Financial Representative appeals to me. How do I apply?
If you're interested in becoming a Financial Representative, please contact us to apply.
I am interested in working for Guardian in a corporate position. How do I submit a resume?
On the Job Listings page, you'll be able to search for an open position by job title, job location or business area. If any open positions meet your search criteria, they will appear on the search results page. The name of each open position will be a link.Click that link to see a description of the job. At the top of the job description page will be a link to apply. Click that link to send us your resume in one of three ways - online, via fax or through the U.S. mail.To submit your resume online, simply copy and paste your resume from the program in which it was created into the window titled "Copy and Paste Your Resume." Click Submit when you are finished.You will receive a confirmation screen indicating that we have received your resume and have added it to our resume database. Submitting your resume more than once will not increase your chances of being contacted. We will contact you if your skills and qualifications match a position we are trying to fill.
Where can I get a copy of Guardian's annual report?
Click Annual Report, which is located in the "Company Info" category in the top navigation bar. This will launch a PDF version of the document.
What is your policy on privacy?
Guardian is committed to protecting your privacy. Read our privacy policies for more information.
Guardian is a mutual company. How is that different from non-mutual companies?
Guardian is the fourth-largest mutual life insurance company in America. We are proud of our mutual status, because it's a powerful difference between Guardian and many other financial services companies. Our total focus is on the care and well-being of our policyowners — not Wall Street.Stock companies may be under pressure to maintain short-term earnings to please investors and the markets, and are often swayed by the "conventional wisdom" of the moment. At Guardian, we plan and manage for the long term rather than simply for the immediate. We work hard to ensure our financial strength so that the promises we make to you now will be met in the future. As a result, we have been able to consistently provide low costs on ordinary life coverage, while maintaining an outstanding record of dividends year in, year out.
First Commonwealth Dental Questions
How does a member select a dentist?
Each member and his/her family members may select a dentist from our provider directory. To create a customized provider directory based on location, language, specialty and much more, go to the homepage. Under "Resources", click on "Doctors/Dentists/Facilities" and then "Create a Customized Directory."
Can I stay with my current dentist?
Only a select number of dental practices are contracted with FCW DHMO. To see if your dentist participates, refer to your participating Dental HMO directory or call Member Services at 1-866-494-4542.
Can each family member select a different dentist or dental office?
Yes, each member and his/her dependents may receive care from different dentists or dental offices.
Can a member change dentists for any reason?
Yes. To change dentists, you should contact Member Services by the 15th of any month to select another available affiliated general dental practice. The change is effective the first of the following month.
What if my dentist is not on your list of participating dental offices? Can he or she join?
Talk with your dentist. If he or she is interested, you can nominate him by going to homepage. Under "Resources", click on Doctors/Dentists/Facilities. We will be happy to provide him with information regarding the First Commonwealth plan. If your dentist meets our criteria, he will be encouraged to participate.
What payment is due at the time of service?
A copayment for the service rendered is due. You can refer to your schedule of member responsibilities for copayments related to various services.
Do you cover pre-existing conditions?
Yes, in most instances, pre-existing conditions are covered. Please call Member Services with your specific situation.
How does a dentist verify member eligibility?
Participating dentists receive monthly reports to verify eligibility and coverage. They may also verify eligibility by contacting FCW's Provider Relations Department.
What is your dependent age policy?
Dependents are normally covered to age 19 unless they are full-time students. Full-time students normally will be covered up to age 23.
What type of plan information will I receive after I enroll?
You will receive one identification card per family along with a Member Handbook, which explains the program in detail.
What do I do if I have a dental emergency?
You should contact your DHMO primary care dentist. If you are unable to reach the dentist, you may contact FCW's Member Services Department.
If you are out of the area (more than fifty miles from your general dentist) you should in all cases seek emergency treatment from any dentist as soon as possible to alleviate the emergency condition only. Emergency expenses for covered services are reimbursed by First Commonwealth, less any applicable copayment which you would have been responsible for with your First Commonwealth PCD. Follow-up care, if needed, should be rendered by your primary care dentist.
Is there a waiting period before I can have covered major dental work done?
No.
I am receiving treatment for a dental condition. How will treatment in progress be addressed?
Treatment in progress (such as orthodontics) is not covered.
Do I need a referral to see a specialist?
Yes. In cases where you require the services of a specialist, your DHMO primary care dentist will provide you with a copy of the referral form for you to present to the specialist at the time of your appointment. The specialist must be a contracted participating specialists. Please verify with your specialist before treatment. The same plan coverage and copayment responsibility applies when seeing a specialist.
For all out-of-network referrals, authorization must be received from First Commonwealth prior to treatment.
How does a member make appointments?
Making an appointment is easy. Simply call the dental office selected, and an appointment will be scheduled. You will be able to see the dentist within 24 hours for emergency care, and within 4 weeks for other treatment.
Am I required to remain in the dental program for the entire benefit year?
Yes.
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