Navigation Links
Guardian Expands Dental HMO/Pre-Paid Coverage

New Options Help Business Owners and Employees Manage Benefit Costs

NEW YORK, Dec. 3 /PRNewswire/ -- The Guardian Life Insurance Company of America (Guardian), a leading provider of employee and voluntary benefits for small and mid-sized companies, today announced enhancements to its dental HMO (DHMO) plans that will broaden access to more affordable treatment options for business owners and employees.

Guardian has one of the largest Dental PPO networks in the country and there was demand from brokers and employers for a wider offering of Guardian products and services via an enhanced DHMO network. The DHMO improvements will create a common design across Guardian's HMO and PPO dental plans.

"As medical costs continue to rise, employers want more choices at a wide range of price points to ensure that their employees have access to dental benefits," said Chris Swanker, vice president, Guardian Group Dental. "Some employers will want to offer their employees affordable benefits with maximum provider choice through a PPO network and others want to focus on lower cost through an HMO network. When you choose Guardian Dental via a PPO or HMO you will have access to rich benefits and leading edge dental services and coverage."

Guardian's Enhanced Managed DentalGuard HMO plan coverage includes:

  • Preventive procedures such as oral cancer screenings and adult fluoride treatments
  • Cosmetic teeth whitening
  • General anesthesia for oral surgery procedures
  • An increase in the number of annual periodontal cleanings to four without evidence of medical need
  • A continuation of benefits for orthodontic treatment for people whose treatment was still in progress when they switched DHMO carriers

In addition, Guardian will pick up the cost of office visit copayments for members and their dependents once a plan has been in force for three years-an added benefit designed to reward persistency and promote dental office visits, which can result in better oral health and, over the long run, save money for both employers and employees by avoiding the necessity of treating more complex problems that can arise without regular preventive care.

Added Swanker, "Business owners recognize the value of dental insurance as a cost-effective way to minimize health care costs for themselves and their employees. Despite the current economic environment, dental insurance is a relatively low cost, popular and highly valued benefit. The enhancement on our DHMO offering will only help to make important coverage that promotes oral health available to a wider population."

The new DHMO plans are currently available in California, Missouri, New York, Indiana, Florida and Illinois.

Guardian specializes in providing employee benefits to small and mid-size companies. Guardian serves more than 120,000 employers, and 6 million employees and their families. The company has issued a series of educational surveys and reports to help employees, employers and benefit decision makers better understand how they can jumpstart their financial lives and improve employee recruitment, retention and satisfaction by maximizing the use and power of their workplace coverage. Five reports currently available in the series include:

  • Benefits & Behavior: Spotlight on Group Critical Illness Insurance
  • Benefits & Behavior: Spotlight on Group Medical
  • Benefits & Behavior: Spotlight on Dental
  • Benefits & Behavior: Spotlight on Group Life and Disability Insurance
  • Benefits & Behavior: The Voice of American Business Owners and Benefit Decision Makers Today

The reports can be found at

About Guardian

Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. As of December 31, 2007, Guardian and its subsidiaries had $41.3 billion in assets (on a consolidated statutory basis). With close to 3,000 financial representatives and 80 agencies nationwide, Guardian and its subsidiaries protect individuals, small business owners, and their employees with life, disability, health, long-term care, and dental insurance products, and offer 401(k), annuities, and other financial products and trust services. Specializing in the small to mid-size business market, Guardian's Group business unit serves more than 120,000 employers, 6 million employees, and their families. More information about Guardian can be obtained at:

SOURCE The Guardian Life Insurance Company of America
Copyright©2008 PR Newswire.
All rights reserved

Related medicine news :

1. Author Pens Pet Guardian Self-Defense Manual
2. Ansell Healthcare Europe Lands 2008 Frost & Sullivan Customer Service Leadership Award for its Ansell Guardian(SM) Safety Program
3. Guardian Enhances Enrollment Capabilities With More Spanish Language Services
4. Guardian Provides National Access to In-Network Medical Benefits
5. Guardian Survey: More Than Half of Small Business Employers Who Offer Benefits Encounter Challenges During Open Enrollment Season
6. Guardian Survey: Men are Twice as Likely as Women to Use Credit Cards to Pay for Major Health Expenses
7. Dale Magner Joins Guardian as Vice President
8. Guardian Makes the Cost of Dental Care More Transparent With New Online Tool
9. Guardian Survey: Fear of Losing Income Due to the Economy Equals Fear of Losing Income Due to Disability
10. Guardian Survey: Employees Are Confused About Their Health Coverage and Have No Plans for Healthcare in Retirement
11. ACORN Expands Presence in EDC Market with Commercialization of Guardian EDC(TM)
Post Your Comments:
(Date:6/26/2016)... (PRWEB) , ... June 26, 2016 , ... Brent Kasmer, a legally blind and certified ... be personalized through a fitness app. The fitness app plans to fix the two major ... only offer a one size fits all type program , They don’t eliminate ...
(Date:6/25/2016)... California (PRWEB) , ... June 25, 2016 , ... "With ... fit their specific project," said Christina Austin - CEO of Pixel Film Studios. ... customizable and all within Final Cut Pro X . Simply select a ProHand ...
(Date:6/25/2016)... ... ... Conventional wisdom preaches the benefits of moderation, whether it’s a matter of indulgence ... high can result in disappointment, perhaps even self-loathing. However, those who set the bar ... from reveals that behind the tendency to set low expectations is ...
(Date:6/24/2016)... ... June 24, 2016 , ... The Pulmonary Hypertension Association ... it will receive two significant new grants to support its work to advance ... 25th anniversary by recognizing patients, medical professionals and scientists for their work in ...
(Date:6/24/2016)... Plano, TX (PRWEB) , ... June 24, 2016 , ... ... taking part in Genome magazine’s Code Talker Award, an essay contest in which patients ... for an award to be presented at the 2016 National Society of Genetic Counselors ...
Breaking Medicine News(10 mins):
(Date:6/24/2016)... Tenn. , June 24, 2016  Arkis ... providing less invasive and more durable cerebrospinal fluid ... in funding.  The Series-A funding is led by ... Lighthouse Fund, and other private investors.  Arkis, new ... neurosurgical instrumentation and the market release of its ...
(Date:6/23/2016)... Research and Markets has announced ... Type (Organic Chemical (Sugar, Petrochemical, Glycerin), Inorganic Chemical), Functionality ... - Global Forecast to 2021" report to their ... global pharmaceutical excipients market is projected to reach USD ... in the forecast period 2016 to 2021. ...
(Date:6/23/2016)... , June 23, 2016 ... CAPR ), a biotechnology company focused on the ... announced that patient enrollment in its ongoing randomized ... has exceeded 50% of its 24-patient target. Capricor ... the third quarter of 2016, and to report ...
Breaking Medicine Technology: