PROTECTING YOUR HEALTH
Staying healthy means more than going to your doctor for your physical exam. For most people, taking care of your eyes and teeth is essential too. Visiting your dentist or vision care specialist for regular checkups plays an essential role when it comes to your overall health. But visits can become expensive, especially when extensive treatments are necessary. The right insurance can help protect your overall well-being while keeping more of your hard-earned cash in your pocket – and that’s something you can see and smile about.
If you’ve got dental insurance at work, it’s worth using
Dental insurance not only pays for preventive care, but it also helps pay for unexpected expenses such as fillings, crowns, and braces. Consider this: a filling can cost approximately $800, and a crown may set you back $1,6001. But your dental plan can help you cut those costs down to size. With plans offered to you through your job, or purchasable sometimes on your own – chances are good that you’ll have access to a pre-screened, in-network dentist within minutes of your home or job.
For every $1 spent on preventive services, an estimated $50 is saved on more complicated procedures.*
Rates are more affordable when you purchase from work. Payments are usually deducted directly from your paycheck, making the amount more convenient and manageable.
100% coverage for preventive care. Many plans pay 100% for cleaning, checkups, and X-rays for you and your covered dependents.
Lower fees with a preferred dentist. An extensive network of preferred dentists have agreed to offer lower fees to plan members.
Better fees for “non-covered” services. If you want a service not covered by your plan, such as cosmetic dentistry, you can take advantage of lower, negotiated rates.
See the Difference with a Vision Plan
Whether you have 20/20 vision or wear contacts or glasses every day, everyone needs to take care of their eyes – it’s an important part of your health. On top of that, annual eye exams can often detect early warning signs of serious medical problems.2
Vision insurance** you can get at work helps you stay healthy and save money by giving you access to an expansive national network of eye care centers, at discounted rates.
Nowadays, vision insurance plans provide a number of useful options. These can include worthwhile discounts on laser vision correction and cosmetic enhancements; savings on frames and lenses; and the ability to choose contacts instead of glasses. Many plans also cover lens upgrades, including progressives, tinting, anti-reflective coatings, polycarbonate lenses, and safety glasses.
of Americans are affected by vision problems 3
of adults in the US experience some form of digital eye strain due to use of their electronic devices.4
Questions About Workplace Benefits?
We're here with all the answers.
*“When Connecting With A Dentist Doesn't Mean An Office Visit” - Kaiser Health News, July 25, 2014
**Your plan may require you pay a deductible before you receive benefits. After paying the deductible, the plan pays for your services up to the plan limit per year.
1 Guardian reporting, 2014
2 The Vision Council, Frequently Asked Questions
3 Prevent Blindness America, Vision Problems in the U.S., 2012
4 Voluntary Benefits Magazine, July 2014
Guardian’s Group Dental Insurance and Vision Insurance are underwritten by The Guardian Life Insurance Company of America or its subsidiaries, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Dental Insurance Policy Form #GP-1-DG2000, et al. Vision Insurance Policy Form #GP-1-VSN-96-1, et al.