With Guardian, you and your employees can count on a group dental insurance carrier that has consistently maintained one of the highest reputations in the industry, a reputation based on our flexible products, the strength of our network, and the quality of our service.
Members have access to quality care, as needed - something more than 8 million current Guardian members enjoy. So choosing Guardian for group dental insurance isn’t just an obvious choice. It’s a smart one.
Offer employees group dental insurance that focuses on overall health
There's a reason your employees want and deserve dental insurance. Without good oral care, people are 67% more likely to have heart disease; 50% more likely to have osteoporosis, and 29% more likely to have diabetes.1 That’s why it is no surprising that 75% of employees consider dental coverage very important.2
Guardian is committed to keeping members healthier by helping them save on important oral care treatments. Guardian covers oral cancer screenings, enhanced periodontal treatments, dental implants, and an additional cleaning after the maximum is met.
We also offer an array of features to extend the annual maximum, adding more value to benefits, including:
- Preventive Advantage, which enables members to get dental exams, cleanings, X-rays, and fluoride treatments without deductions - all from their annual maximum.
- Maximum Rollover, which helps members save by rolling over a portion of each member's unused annual maximum for future use. This helps promote regular annual dental visits and helps make future treatments more affordable. Rewards are increased when a contracted dentist is visited.
We can customize dental insurance solutions for companies of any size
Guardian Group Dental insurance plans are highly flexible and are available for 2+ employees. Working with your broker, you can design the plan - or plans - that best meet your needs. Choose between PPO and DMHO (in select markets). Or even consider a Dual Choice option. Then consider whether you want to offer an employer-paid, voluntary, or Administrative Services Only (ASO) option.
The advantages of an ASO dental insurance plan
These self-funded dental plan options could make great sense to you - no matter what your company size. With our ASO Dental offering you can have:
- 13% – 17% cost savings, on average (savings vary by company)
- Better cash flow
- No ACA taxes
- Fewer state regulations
Our ASO Dental offering puts the power of our network to work for you
Our ASO plan gives you access to the same innovative plan options and strong and growing network as fully insured employers, which may be one of the reasons we're among the top choices in the category3. Our claims processing software helps save your company money by detecting incorrectly submitted claim codes and correcting them. With our direct billing option, Guardian pays claims and you are billed at the end of the month to help you with cash flow.
We also offer an innovative ASO Level-Funded plan that gives your business the flexibility to take advantage of the best of self-funded and fully insured plans. This plan offers fixed monthly costs with a 105% or 110% aggregate stop loss - so the plan is funded at your maximum liability. If claims run lower than expected, the carrier will refund dollar for dollar to the employer or the employer can use the funds to offset future liability.
One of the largest dental networks
When choosing a dental carrier, you want your employees to have the reassurance of a wide choice of providers. Guardian gives employees access to one of the nation's largest and strongest networks, built to ensure that the dentists employees want to see are in our network. And our network is always growing. Our unique approach includes local recruiters who work with you to attract dentists based on your company's location(s) and claim activity. We offer recruitment guarantees and commitments for certain size groups, and we're able to negotiate highly competitive rates.
A commitment to service that shows
Our members have expressed a 99% satisfaction rate with Guardian-contracted dentists4. And they appreciate a consistent level of service, including a claims process that takes an average of just two days with 99.7% accuracy4. This is higher than the industry average5.
Finding innovative ways to add value
With Guardian Dental, you may also offer employees a unique, value-added benefit. The College Tuition Benefit5 helps eligible Guardian members pay for up to one year of college at more than 340 private colleges and universities across the nation.
Helping you every day, online
Guardian makes it easy for members to manage their benefits at Guardian Anytime, where they can:
- Find a dentist
- Submit and check claims
- Download forms
- Learn about oral health
- Estimate cost of dental care
Plus, members can easily find a dentist or access their ID card from their smartphone or tablet with our mobile app.
Contact your broker today
Learn more about why Guardian is a smart choice for dental insurance. We'll be glad to work with you and your broker to determine the best coverage for your company's needs.