Get accessible coverage, built for your needs
Through your PEO experience, Guardian helps deliver meaningful coverage through individual dental, vision, and accident insurance.
Dental, vision, accident insurance
Benefits built for the way you work
You deserve good benefits that support your well-being and your wallet. That's why individual dental, vision, and accident insurance plans offered by Guardian through your PEO are especially designed for the work lives of contractors, part-timers, and independent workers.
Enroll when it works for you
Life and work don’t always follow an open enrollment calendar. That’s why Guardian coverage is available year‑round, so you can enroll when it makes sense for you.
Portable coverage that follows you
Guardian’s dental, vision, and accident plans are designed to move with you in the event your job or contract changes.
Dental
Maintain oral health and manage costs when unexpected oral care needs arise.
Vision
Keep your eyes healthy and access savings on glasses and contacts.
Accident
Benefit is paid directly to you after covered accidents or injuries.
Built for you. Easy to use. Supported by Guardian.
Your Guardian benefits are waiting for you, directly from PrismHR. Enroll any time.
Authorized Selling Agent Directly to Individuals: DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California). Dental 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. 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. Please refer to your plan documents for a complete list of limitations and exclusions. Plan documents are the final arbiter of coverage. This policy provides DENTAL insurance only. Dental provider networks vary by state, by market and by plan type. Rates are guaranteed for one year for the plan of benefits initially selected. Policies renew annually. Policy Form#IP-DEN-16-et al. Teeth whitening benefits may be considered taxable income. Furthermore, the IRS considers teeth whitening to be a cosmetic procedure, such that out-of-pocket costs for teeth whitening are not medical care expenses for tax purposes. Guardian does not provide tax or legal advice. Please consult your personal tax or legal advisor for more information on the tax consequences of teeth whitening coverage. IMPORTANT INFORMATION ABOUT GUARDIAN’S DENTALGUARD INDEMNITY AND GUARDIAN ADVANTAGE PPO PLANS. Dental PPO plans provide in-network and out-of-network benefits. Use of an in-network provider may result in reduced out of pocket costs. Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductibles apply. Waiting periods may also apply for some services. Unless specified in the policy, individual dental plans do not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatment to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment. Individual dental plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services. Listed services, exclusions and limitations do not constitute a contract and are a summary only. Plans availability, benefits and deductibles may vary by state. Coverage begins on the first of the month following enrollment when paying with credit card or ACH. Waiting period may vary by state. Information on the approved state and product specific online enrollment form numbers can be viewed here: Benefits Disclosures Vision Savings are based on national averages on comprehensive eye exams and most commonly purchased frame brand and may vary by VSP plan and purchase selection, average savings determined after benefits are applied. Brands and promotions are subject to change, https://www.vspdirect.com/about-vsp Vision insurance is provided by VSP and billing and premium collection services for such vision insurance are conducted by DTC GLIC, LLC (d/b/a DTC GLIC Insurance Sales, LLC in California). DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America ("Guardian"). Guardian and DTC GLIC, LLC are not affiliated with VSP and Guardian and DTC GLIC, LLC do not assume any responsibility or liability for non-Guardian products or services, including those offered by VSP. Accident Individual accident insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York 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 Accident Plan are governed by the policy forms approved for use in your state. Please refer to your plan documents for a complete list of limitations and exclusions. Plan documents are the final arbiter of coverage. This policy provides limited benefits only. Rates are guaranteed for one year for the plan of benefits initially selected. Policies are conditionally renewable up to age 75. Accident Individual Policy Form IP-Accident: IP-ACC-16; IP-ACC-19; IP-ACC-21; et. al.