What products does guardian offer?

• Flexible Spending Accounts.
• Critical Illness and Accident insurance.
• College planning, tuition discounts, and student loan repayment.
• Wellness reimbursement.
• Generous paid parental leave policy.
• Discounted commuter programs.
• Matching donations to educational institutions.

Does Guardian dental cover nitrous oxide?

General anesthesia/deep sedation, intravenous moderate (conscious) sedation, non-intravenous (conscious) sedation, inhalation of nitrous oxide: Covered in conjunction with covered surgical services.

Does Guardian dental cover crowns?

Dental crowns are typically categorized as a major procedure. Many dental insurance plans, such as Guardian Direct® Achiever and Core plans, respectively cover a percentage of the cost of dental crowns at up to 50% after a waiting period and subject to maximum premium requirements.

Is Guardian part of Aetna?

You may need to look at your PPO contract with Guardian Dental Insurance because they have just announced a shared network agreement with Aetna as of 2/1/2015. Guardian can now begin picking up Aetna plans at the Guardian rate if you do not have a contract with Aetna in place.

Is Guardian a captive insurance company?

Guardian Life Insurance Company of America

Guardian Life is an A.M. Best rating (superior) and is arguably one of the strongest life insurance companies in the U.S. If it were not for the fact that they are a captive company, they may have ranked higher on our list.

How long has guardian life been in business?

Since our founding in 1860 – more than 160 years ago – Guardian has been dedicated to protecting futures and securing lives.

What is Guardian PPO?

With Guardian's PPO option, you can see any dentist you want but save more when you visit a dentist that participates in Guardian's DentalGuard Preferred network. ... Charges for services provided by participating dentists are based on negotiated, discounted fee schedules, and are reimbursed directly from Guardian.

What is the Guardian network?

The Guardian Legal Network provides victims of negligent corporations with the resources they need to seek justice. We leverage the power of television, digital media, and other forms of advertising to inform the public of potentially dangerous prescription drugs, defective medical devices, and product liability.

What are the top life insurance companies?

What are group benefits in insurance?

Group benefits are insurance that covers a group of people who are usually the members of societies, employees of a common employer, or professionals in a common group.

What are employee paid group benefits?

Voluntary benefits—also called voluntary group insurance—are plans provided to employees at little to no cost to the employer. ... Since premiums are paid via automatic pre-tax payroll deductions, employers pay less payroll taxes—a win-win for you and your employees.

What happened Guardian insurance?

The Guardian Financial Services brands have now been acquired by Gryphon Group Holdings Limited, in December 2017, with "Guardian" being the brand for their new challenger protection business, which launches in 2018. Guardian Assurance Limited is also being acquired by Gryphon.

Who owns Guardian vision?

Since 1978, we've provided vision, dental, and hearing health coverage to millions of Americans. And now, as a wholly owned subsidiary of the Guardian Life Insurance Company of America, we can do that with an even greater focus and commitment than ever before.

What type of plan is meritain health?

Meritain Health has been helping our members live healthier lives for nearly 40 years. Our goals include making your self-funded employee benefit plan easy to understand and use, while helping employers save on their total cost of care.

Is Cigna owned by Aetna?

(Reuters) - Health insurer Cigna Corp's CI. ... N proposed $69 billion acquisition of health insurer Aetna Inc AET. N. The new company will marry Cigna's business of managing health plans for corporations and the government with Express Scripts' ESRX.

Are Aetna and Blue Cross the same company?

Aetna and Blue Cross are two large, well-respected health insurance companies in the United States that offer millions of employees and individuals comprehensive medical coverage and other supplemental insurance products like dental, vision, and prescription drugs.

Does Guardian dental have a deductible?

HMO Plan - Guardian HMO members pay no annual deductible. Preventative services are paid at 100%, all other services are set at a pre-negotiated rate (see plan for fee schedule). There is no annual maximum benefit except for orthodontics'.

Does Guardian have a missing tooth clause?

If your Guardian PPO Dental insurance contains a missing tooth clause, any tooth that was lost before the insurance coverage start date would not be covered. The full denture, partial denture, implant, or bridge needed to replace the tooth or teeth would have a 100% out of pocket cost to you.

Does Guardian dental have copay?

No copay. When you see a dentist in the PPO network, you usually won't pay a copay, and they'll file all your claims for you.