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Guardian Adds New Cost-Conscious Options to Group Dental Lineup

New Plan Designs Help Employers and Their Employees Manage Dental Benefit Costs

NEW YORK, April 22 /PRNewswire/ -- The Guardian Life Insurance Company of America (Guardian), one of the largest mutual life insurers and a leading provider of employee and voluntary benefits for small and mid-sized companies, today announced new flexibility enhancements to its group dental lineup that will broaden access to more affordable dental care for employers and their employees.

As a new twist to the traditional preferred provider organization (PPO) dental plans, these six new plans offer $3,000 and $5,000 maximums coupled with high deductibles, providing benefits for more costly and substantial needs. Additionally, members can fund eligible dental expenses not covered by the plan through a health savings account (HSA) or flexible spending account (FSA), which allow them to pay for procedures with pre-tax dollars, a more cost efficient alternative than paying out of pocket on an after tax basis. And, since Guardian operates one of the nation's largest PPO dental networks, members who visit an in-network dentist can save up to 30% in dental care costs.

"These latest additions demonstrate Guardian's commitment to bringing flexible, cost-conscious options to small and mid-size businesses who want to provide quality dental benefits typically reserved for larger companies," said Chris Swanker, vice president, Guardian Group Dental. "In this tough economy, many employers are looking to reduce costs without cutting benefits. As consumer-driven health plans gain in popularity, these plans are compatible with HSAs and FSAs that allow plan members to use their pre-tax dollars to pay for eligible dental expenses not covered by their plan. These additions demonstrate Guardian's commitment to empowering Americans to become more prudent health care consumers by providing alternatives to a one-size-fits-all model."

About Guardian

The Guardian Life Insurance Company of America (Guardian), one of the largest and oldest mutual life insurance companies in the United States, is known for its stability and strength. A Fortune 300 company, Guardian is the only major life insurer to earn upgrades from two major rating agencies in 2008: A++ (Superior) by A.M. Best and AA+ (Very Strong) by Standard & Poor's. Guardian also has retained ratings of Aa2 (Excellent) by Moody's and AA+ (Very Strong) by Fitch (ratings current as of April, 2009).

Founded nearly 150 years ago, Guardian and its subsidiaries are committed to protecting individuals, business owners and their employees with life, long term care insurance, disability income and dental insurance products, and offer 401(k), annuities and other financial products and trust services.

Guardian operates one of the largest dental networks in the United States, and protects more than six million employees and their families at 120,000 companies. The company has more than 5,400 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.

For more information about Guardian, please visit:

SOURCE The Guardian Life Insurance Company of America
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