Administrative Services Only (ASO) dental insurance
Do you want to offer dental insurance, but need options for a tighter budget? Guardian’s ASO dental plans could be just right for your workplace.
Administrative Services Only (ASO) is a great option for employers who need to control costs but still want to offer employees quality and choice in their dental benefits. With ASO, your company funds the dental plan, while we provide all the administrative services, including claims processing, provider network access, and more — all with the same plans and network as those with fully-insured dental coverage.
ASO dental plans offer the forward-thinking, budget-friendly features to help improve overall health and wellness of employees and control costs for the organization, with fewer regulations than fully-insured plans.
Plus, this plan is available to workforces of 25 employees or more, so small businesses too can take advantage of someone else (us) handling the administration and clerical to-dos.
For organizations that may be new or hesitant to try ASO, Guardian also offers an innovative ASO Level-Funded Plan, providing the cost savings of ASO with the solid predictability of a fixed monthly cost funded at your maximum liability. If claims frequency is lower than expected, we will refund the surplus dollar for dollar.
No matter which ASO plan you choose, you get the power of our dental network
Guardian has one of the largest dental networks1 — and our network continues to grow each year. That means chances are good your employees can find a network dentist near them, along with access to network discounts that help them save even more money.
With ASO dental, you also get the power of ‘simple’
Our claims processing software helps save your company money reviewing and controlling the payment of claims. And with our direct billing option, Guardian pays the claims and you are billed at the end of the month, helping you with cash flow.