*Important notes for our medical plans:

No Surprises Act (NSA): This act protects you from surprise billing and balance billing when you receive emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center. Review this notice to understand your rights and protections under the NSA.

Transparency in Coverage: These links ( Cigna | Centivo ) lead to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts (applies to the Cigna HD and HD Plus Plans only) between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Guardian’s subsidiaries and affiliates may have different benefits.

While Guardian currently intends to continue its health, welfare, and retirement benefit plans, Guardian may, in its sole discretion, change, terminate, or amend the Plans, in whole or in part, at any time, and for any reason with respect to active employees/associates, retirees, or any subset thereof. As such, there is no guarantee the Plans will be maintained in their current form and may not be available at the time of hire.

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.

Mental wellness benefits discussed herein are provided by Spring Care, Inc., d/b/a Spring Health (“Spring Health”), 251 Park Avenue, South, 6th Floor, New York, NY 10010. Spring Health is not an insurance benefit. Insured products are offered by The Guardian Life Insurance Company, New York, N.Y. (“Guardian”) which has a financial interest in Spring Health. Spring Health may not be offered through Guardian in all states.