1 “Teeth,” Cleveland Clinic, last accessed February 7, 2024, https://my.clevelandclinic.org/health/body/24655-teeth

2 “Wisdom Teeth,” Cleveland Clinic, last accessed February 7, 2024, https://my.clevelandclinic.org/health/body/23223-wisdom-teeth

3 “Impacted wisdom teeth,” Mayo Clinic, last accessed February 7, 2024, https://www.mayoclinic.org/diseases-conditions/wisdom-teeth/symptoms-causes/syc-20373808

4 “Wisdom Teeth Anesthesia Options,” Colgate, last updated January 9, 2023, last accessed February 7, 2024, https://www.colgate.com/en-us/oral-health/wisdom-teeth/wisdom-teeth-anesthesia-options

5 “How Much Does Wisdom Teeth Removal Cost,” DiFoggio, Whitney, BS, RDH; TeethTalk Girl, last accessed February 7, 2024, https://www.teethtalkgirl.com/dental-health/wisdom-teeth-removal-cost/

6 “Wisdom Teeth,” Cleveland Clinic, last accessed February 7, 2024, https://my.clevelandclinic.org/health/body/23223-wisdom-teeth

7 “Health Savings Accounts and Other Tax Favored Health Plans,”IRS, accessed May 31, 2024, page 23

8 “Wisdom Teeth Anesthesia Options,” Colgate, last updated January 9, 2023, last accessed February 7, 2024, https://www.colgate.com/en-us/oral-health/wisdom-teeth/wisdom-teeth-anesthesia-options

9 “Impacted wisdom teeth,” Mayo Clinic, last accessed February 7, 2024, https://www.mayoclinic.org/diseases-conditions/wisdom-teeth/symptoms-causes/syc-20373808

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

Material discussed is meant for general information purposes only and is not to be construed as medical, tax, legal or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.

DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

Managed Care is underwritten and issued by (IL) - First Commonwealth Insurance Company, (MO) - First Commonwealth of Missouri, (IN) - First Commonwealth Limited Health Services Corporation, (MI) - First Commonwealth Inc., (TX) - Managed DentalGuard, Inc. (DHMO), (NJ) - Managed DentalGuard, Inc., (FL, NY) - The Guardian Life Insurance Company of America. All First Commonwealth and Managed DentalGuard, Inc. entities referenced are wholly-owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries and sold directly to individuals by DTC GLIC, LLC. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state.

DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California) (“DTC GLIC, LLC”) is the agent for The Guardian Life Insurance Company of America and its subsidiaries (“Guardian”) for all individual products underwritten and issued by Guardian and certain third-party insurers through guardianlife.com. DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America and is a licensed agent for life, accident and health insurance products.

1 “Teeth,” Cleveland Clinic, last accessed February 7, 2024, https://my.clevelandclinic.org/health/body/24655-teeth

2 “Wisdom Teeth,” Cleveland Clinic, last accessed February 7, 2024, https://my.clevelandclinic.org/health/body/23223-wisdom-teeth

3 “Impacted wisdom teeth,” Mayo Clinic, last accessed February 7, 2024, https://www.mayoclinic.org/diseases-conditions/wisdom-teeth/symptoms-causes/syc-20373808

4 “Wisdom Teeth Anesthesia Options,” Colgate, last updated January 9, 2023, last accessed February 7, 2024, https://www.colgate.com/en-us/oral-health/wisdom-teeth/wisdom-teeth-anesthesia-options

5 “How Much Does Wisdom Teeth Removal Cost,” DiFoggio, Whitney, BS, RDH; TeethTalk Girl, last accessed February 7, 2024, https://www.teethtalkgirl.com/dental-health/wisdom-teeth-removal-cost/

6 “Wisdom Teeth,” Cleveland Clinic, last accessed February 7, 2024, https://my.clevelandclinic.org/health/body/23223-wisdom-teeth

7 “Health Savings Accounts and Other Tax Favored Health Plans,”IRS, accessed May 31, 2024, page 23

8 “Wisdom Teeth Anesthesia Options,” Colgate, last updated January 9, 2023, last accessed February 7, 2024, https://www.colgate.com/en-us/oral-health/wisdom-teeth/wisdom-teeth-anesthesia-options

9 “Impacted wisdom teeth,” Mayo Clinic, last accessed February 7, 2024, https://www.mayoclinic.org/diseases-conditions/wisdom-teeth/symptoms-causes/syc-20373808

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

Material discussed is meant for general information purposes only and is not to be construed as medical, tax, legal or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.

DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

Managed Care is underwritten and issued by (IL) - First Commonwealth Insurance Company, (MO) - First Commonwealth of Missouri, (IN) - First Commonwealth Limited Health Services Corporation, (MI) - First Commonwealth Inc., (TX) - Managed DentalGuard, Inc. (DHMO), (NJ) - Managed DentalGuard, Inc., (FL, NY) - The Guardian Life Insurance Company of America. All First Commonwealth and Managed DentalGuard, Inc. entities referenced are wholly-owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries and sold directly to individuals by DTC GLIC, LLC. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state.

DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California) (“DTC GLIC, LLC”) is the agent for The Guardian Life Insurance Company of America and its subsidiaries (“Guardian”) for all individual products underwritten and issued by Guardian and certain third-party insurers through guardianlife.com. DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America and is a licensed agent for life, accident and health insurance products.