Dental Insurance

Good oral health can lead to better health overall. That’s why dental insurance is important: it’s one of the best way to help get the preventive oral care you need and help reduce the expenses of costly dental services if needed. We think everyone should have great dental coverage, which is why we offer comprehensive plans you can get through your employer through their benefit offerings.

    • Preventative cleanings
    • X-rays
    • Restorative services, like fillings
    • Oral surgery
    • Orthodontics for both adults and children, if included in your benefit
  • We have more than 120,000 providers at more than 420,000 locations in our nationwide network, and we’re always making our network stronger. That means if you already have a dentist you love, they're likely part of our network.

    Find a dental provider
  • You have the option to use an in-network or out-of-network dentist. You typically save on costs when you use an in-network dentist since the services are based on a lower negotiated fee schedule. If you prefer to use an out-of-network providers, benefits are based on Guardian’s reimbursement schedule.

Vision Insurance

As we spend more time in front of screens, vision insurance – and the eye exams, glasses, and contact lenses it helps to cover – becomes increasingly important for workers.

Even if you have perfect eyesight, it’s important to have regular eye exams to make sure you’re still seeing clearly. Many of us eventually need vision correction, which is why we offer plans you can elect through your employer. Vision benefits are not typically covered under your medical insurance plan.

    • Routine eye exams
    • Discounts on purchase of eyeglasses and contact lenses
    • Discounts on corrective surgery like Lasik
  • Our plans offer thousands of eye doctors for you to choose from.

    Find a VSP provider
  • Regular eye exams can detect more than failing eyesight, they can detect diseases like glaucoma and diabetes. Vision problems are the fourth most prevalent disability in the United States and one of the most prevalent conditions in childhood. It’s worth considering for anyone who regularly needs to purchase eyeglasses or contacts.

  • At no additional cost, employees electing Guardian Vision have access to XP Health, a virtual-first vision benefit for eyewear.

    Powered by artificial intelligence, the XP Health platform provides personalized frame recommendations that give tailored suggestions in minutes and can be modeled virtually.  In addition, employees receive three benefit credits of $180 per year to use on:

    • Glasses: Prescription and non-prescription including progressives and computer glasses.  Best-in-class designer and affordable brands like Coach, Gucci, Armani, and Tom Ford.
    • Sunglasses: Prescription and non-prescription. Limit 1 per member per year.
    • High quality lenses: Blue light filters, durable polycarbonate, and UV protection.
    • Contact lenses: Daily, weekly, and monthly.

    For additional details, download flyer here.

    For additional information on creating an account visit, Rippling help center article.

Life Insurance

The income you earn touches numerous other lives. That’s why life insurance can be a vital offering, providing families additional financial support in case the unthinkable happens.

There are many reasons to get life insurance, but a simple rule of thumb is if you have shared debts or anyone relies on your income for their financial well-being, you should consider getting life insurance coverage. And every person’s life insurance needs are different and depend on many factors, such as how many dependents you have, how much you expect to earn, and even your gender.

  • Life insurance can help protect your loved ones financially by providing a death benefit (usually a tax-exempt payment) to your beneficiaries if you pass away.

  • If you have children, a spouse, or someone who depends on you, life insurance can be a great way to help ensure they can continue to financially support themselves should the unthinkable happen to you.

Disability Insurance

Despite our best efforts, being unable to work due to illness or injury can happen. Disability insurance helps ensure you can continue to support their families at a time they need it most.

If you depend on the income you receive through work to pay your expenses, then you should probably consider disability insurance. It ensures that you can continue to receive partial income if you end up too sick or injured to work.

  • Most disability insurance pays you a percentage of your income if you get sick with a serious illness or experience an injury that prevents you from doing your job. Some cover you in the short term immediately after an incident, while long term disability pays you if your injury lasts for an extended period.

  • Accidents happen, and we can’t always anticipate if or when we’ll be diagnosed with an illness, condition, or injury, which is why it’s important to have a disability policy that will help you pay your bills in the event that you can’t collect your normal paycheck from work. You can start by determining the real cost of protecting your income.

Value-added Benefits

Disclaimer

1

© 1998-2021 Mayo Foundation for Medical Education and Research (MFMER).

2

Division of Diabetes Translation, National Center of chronic Disease Prevention and Health Promotion, October 2020.

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.

DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.  Products are not available in all states.  Policy limitations and exclusions apply.  Optional riders and/or features may incur additional costs.  Plan documents are the final arbiter of coverage.  This policy provides DENTAL insurance only. Policy Form #GP-1-DG2000, et al.

Guardian's Group Vision Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This policy provides vision care limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage. Policy Form # GP-1-GVSN-17.

Guardian Group Life Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York,  NY. Products are not available in all states.  Policy limitations and exclusions apply.  Optional riders and/or features may incur additional costs.  Plan documents are the final arbiter of coverage. Policy Form # GP-1-LIFE-15, GP-1-LIFE-12-NY,

Guardian’s Group Long Term and Short Term Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.  Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This policy provides disability income insurance only.  It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage. Policy Form # GP-1-LTD-15 and Policy Form # GP-1-STD-15.

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.

Additional eyewear benefits discussed herein are provided by XP Health, Inc., d/b/a XP Health (“XP Health”), 969 Industrial Rd. Suite A, San Carlos, CA, 94070. XP Health is not an insurance benefit. Insured products are offered by the Guardian Life Insurance Company New York, NY. (“Guardian”) which has a financial interest in XP Health. XP Health may not be offered through Guardian in all states.

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.

The Employee Assistance Program is provided by Uprise Health, and its contractors. The Guardian Life Insurance Company of America (Guardian) does not provide any part of the Employee Assistance Program. Guardian is not responsible or liable for care or advice given by any provider or resource under the program and services. This information is for illustrative purposes only. It is not a contract. Only the Administration Agreement can provide the actual terms, services, limitations and exclusions. Guardian and Uprise Health reserve the right to discontinue the Employee Assistance Program at any time without notice. Legal services will not be provided in connection with or preparation for any action against Guardian, Uprise Health, or your employer. The Employee Assistance Program is not an insurance benefit and may not be available in all states.

The Tuition Rewards program is provided by SAGE CTB, LLC. Guardian does not provide any services related to this program. SAGE CTB, LLC is not a subsidiary or an affiliate of Guardian. Guardian reserves the right to discontinue the College Tuition Benefit program at any time without notice. The College Tuition Benefit is not an insurance benefit and may not be available in all states.

GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® © 2022,The Guardian Life Insurance Company of America, New York, NY. All rights reserved.

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