As one of the nation’s largest mutual insurance companies, Guardian knows what matters most to our customers. Learn more about the products and services offered based on your employers’ specific benefit offering.
Mental wellness benefit
Employee Assistance Program
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 130,000 in our nationwide network of dentists, 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.
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.
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 130,000 in our nationwide network of dentists, 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.
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.
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.
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.
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.
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.
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.
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.
Supplemental Health
Supplemental health insurance, like accident, cancer, critical illness, and hospital indemnity coverage can pay cash in a health emergency to help you cover expenses – medical or otherwise – your health insurance plan might not.
Did you know there’s insurance specifically designed to help cover additional medical costs that can help keep you physically and financially healthy? Medical expenses are the most common reason people file for bankruptcy, and 62% of them have medical insurance.1,2
What is accident insurance?
Accident insurance is an extra layer of protection that pays you cash when you suffer an unexpected, qualifying accident. It provides you money to cover any extra, out-of-pocket expenses associated with your injury.
What does accident insurance cover?
Accident insurance pays you a lump sum in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer a special benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football3.
Why should I consider accident insurance?
With health coverage becoming more expensive with higher co-pays, premiums, and deductibles, accident insurance can be a great, affordable way to supplement and cover the additional expenses your health and disability insurance doesn’t cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries.
The Benefits of Accident Insurance - watch now
What is cancer insurance?
Cancer insurance provides a lump-sum payment for cancer diagnosis, screenings, and treatment. Payments are made to the employee, regardless of medical insurance, and can be used for any purpose.
What does cancer insurance cover?
Cancer insurance can help you handle medical plan deductibles, co-pays and other out-of-pocket costs; non-medical expenses such as transportation to treatment facilities; even everyday living expenses such as groceries, rent and mortgage payments.
Why should I consider cancer insurance?
The unexpected out-of-pocket expenses of cancer recovery, such as transportation to chemotherapy, copays, and deductibles, can add up fast. While health insurance can definitely help, the costs of cancer can go well beyond what’s covered, from copays and deductibles to out-of-network and experimental treatments, home health care needs, and travel. That’s on top of everyday bills such as groceries, utilities, car payments, and more. Cancer insurance can help you pay for all of these expenses.
The Benefits of Cancer Insurance - watch now
What is critical illness insurance?
Critical illness insurance helps you cover medical expenses that your primary health insurance won’t. It’s a cash payout you receive if you ever experience a serious illness like cancer or a stroke.
What does critical illness insurance cover?
Critical illnesses include stroke, heart attacks, Parkinson’s, cancer, and more. Our policies can cover over 30 major illnesses. If you happen to get diagnosed with one of these illnesses, our plans can pay you a lump sum of up to $50,000.4
Why should I consider critical illness insurance?
It’s an affordable way to supplement and pay for the additional expenses your health insurance doesn’t cover. Plus, some of our policies pay out additional cash if you find yourself in the hospital for less serious illnesses or injuries.
The Benefits of Critical Illness Insurance - watch now
What is hospital indemnity insurance?
If you’re hospitalized, hospital indemnity insurance can help cover the costs associated with the stay. This insurance can be especially valuable if your health plan has high deductibles and copays, you’ll need assistance with childcare, or might need to travel far from home to receive medical care.
What does Hospital Indemnity Insurance cover?
If you are admitted to a hospital for a covered sickness or injury, you can receive payments that can be used for any purpose, such as:
High deductibles and copays
Travel to and from the hospital for treatment
Child care service assistance while recovering
Why should I consider Hospital Indemnity Insurance?
Guardian's Hospital Indemnity benefit can help pay for out-of-pocket costs associated with being hospitalized in addition to your medical coverage and can give you more of a financial safety net for unplanned expenses brought on by a hospital stay. Payments are made directly to you, even if you did not actually incur any out-of-pocket expenses.
The Benefits of Hospital Indemnity Insurance - watch now
What is accident insurance?
Accident insurance is an extra layer of protection that pays you cash when you suffer an unexpected, qualifying accident. It provides you money to cover any extra, out-of-pocket expenses associated with your injury.
What does accident insurance cover?
Accident insurance pays you a lump sum in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer a special benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football3.
Why should I consider accident insurance?
With health coverage becoming more expensive with higher co-pays, premiums, and deductibles, accident insurance can be a great, affordable way to supplement and cover the additional expenses your health and disability insurance doesn’t cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries.
The Benefits of Accident Insurance - watch now
What is cancer insurance?
Cancer insurance provides a lump-sum payment for cancer diagnosis, screenings, and treatment. Payments are made to the employee, regardless of medical insurance, and can be used for any purpose.
What does cancer insurance cover?
Cancer insurance can help you handle medical plan deductibles, co-pays and other out-of-pocket costs; non-medical expenses such as transportation to treatment facilities; even everyday living expenses such as groceries, rent and mortgage payments.
Why should I consider cancer insurance?
The unexpected out-of-pocket expenses of cancer recovery, such as transportation to chemotherapy, copays, and deductibles, can add up fast. While health insurance can definitely help, the costs of cancer can go well beyond what’s covered, from copays and deductibles to out-of-network and experimental treatments, home health care needs, and travel. That’s on top of everyday bills such as groceries, utilities, car payments, and more. Cancer insurance can help you pay for all of these expenses.
The Benefits of Cancer Insurance - watch now
What is critical illness insurance?
Critical illness insurance helps you cover medical expenses that your primary health insurance won’t. It’s a cash payout you receive if you ever experience a serious illness like cancer or a stroke.
What does critical illness insurance cover?
Critical illnesses include stroke, heart attacks, Parkinson’s, cancer, and more. Our policies can cover over 30 major illnesses. If you happen to get diagnosed with one of these illnesses, our plans can pay you a lump sum of up to $50,000.4
Why should I consider critical illness insurance?
It’s an affordable way to supplement and pay for the additional expenses your health insurance doesn’t cover. Plus, some of our policies pay out additional cash if you find yourself in the hospital for less serious illnesses or injuries.
The Benefits of Critical Illness Insurance - watch now
What is hospital indemnity insurance?
If you’re hospitalized, hospital indemnity insurance can help cover the costs associated with the stay. This insurance can be especially valuable if your health plan has high deductibles and copays, you’ll need assistance with childcare, or might need to travel far from home to receive medical care.
What does Hospital Indemnity Insurance cover?
If you are admitted to a hospital for a covered sickness or injury, you can receive payments that can be used for any purpose, such as:
High deductibles and copays
Travel to and from the hospital for treatment
Child care service assistance while recovering
Why should I consider Hospital Indemnity Insurance?
Guardian's Hospital Indemnity benefit can help pay for out-of-pocket costs associated with being hospitalized in addition to your medical coverage and can give you more of a financial safety net for unplanned expenses brought on by a hospital stay. Payments are made directly to you, even if you did not actually incur any out-of-pocket expenses.
The Benefits of Hospital Indemnity Insurance - watch now
1 Investopedia, Top 5 Reasons Why People Go Bankrupt, March 2021
2 Spendmenot.com Medical Bankruptcy Statistics, May 2022
3 The child must be insured by the plan on date the accident occurred, and the child must be 18 years of age or younger.
4 Lump sum payments, wellness benefits and hospitalization benefits are optional plan choices determined by your employer.
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.
Guardian's Accident, Cancer, Critical Illness, Hospital Indemnity, Disability, Dental, Vision and Life Insurance products are 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. Generic Policy Form #s: GP-1-ACC-18; GP-1-CAN-IC-12, et al; GP-1-LAH-12R; GP-1-CI-14; GP-1-HI-15; GP-1-LTD-15; GP-1-STD-15; GP-1-DG2000, et al; GP-1-DEN-16; DG7-P; GP-1-GVSN-19; GP-1-LIFE-15. The state approved form is the governing document.
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.
1 Investopedia, Top 5 Reasons Why People Go Bankrupt, March 2021
2 Spendmenot.com Medical Bankruptcy Statistics, May 2022
3 The child must be insured by the plan on date the accident occurred, and the child must be 18 years of age or younger.
4 Lump sum payments, wellness benefits and hospitalization benefits are optional plan choices determined by your employer.
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.
Guardian's Accident, Cancer, Critical Illness, Hospital Indemnity, Disability, Dental, Vision and Life Insurance products are 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. Generic Policy Form #s: GP-1-ACC-18; GP-1-CAN-IC-12, et al; GP-1-LAH-12R; GP-1-CI-14; GP-1-HI-15; GP-1-LTD-15; GP-1-STD-15; GP-1-DG2000, et al; GP-1-DEN-16; DG7-P; GP-1-GVSN-19; GP-1-LIFE-15. The state approved form is the governing document.
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.