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Disclosures

Premier Access Insurance Company (“Premier Access,”) and Access Dental Plan (“Access Dental”) are wholly owned subsidiaries of The Guardian Life Insurance Company of America (“Guardian”). Premier Access is a California domiciled insurance company offering PPO dental products in California, Arizona, Texas and Utah, an elsewhere.  Access Dental is a California Knox Keene licensed company offering managed care dental products in California. In addition, Access Dental Plan (NV) and Access Dental Plan (UT) are also wholly owned subsidiaries of Guardian offering dental managed care products in Nevada and Utah respectively.

Guardian Managed DentalGuard products are underwritten by:  First Commonwealth Insurance Company — (IL), First Commonwealth of Missouri — (MO), First Commonwealth Limited Health Services Corporation — (IN), First Commonwealth Limited Health Services Corporation of Michigan — (MI), Managed Dental Care — (CA), Managed DentalGuard, Inc. — (NJ, OH, TX), Guardian Life Insurance Company of America — (CO, FL, NY and all PPO and Indemnity plans), Liberty Dental Plan of Nevada, Inc. — (NV). Except for Liberty Dental plan of NV, all referenced companies are wholly owned subsidiaries of Guardian Life Insurance Company of America. Limitations and exclusions apply. Products are not available in all states.  Optional riders and/or features may incur additional costs.

Plan documents are the final arbiter of coverage.

Guardian Individual Dental PPO insurance products are underwritten by Guardian Life Insurance Company of America, New York, NY.  Products are not available in all states.  Optional riders and/or features may incur additional costs.  Individual Policy Form #IP-DENF-

For NY Residents only:

This policy provides DENTAL insurance only.  The expected benefit ratio for this policy is 60% percent.  This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.

On Exchange –Policy Form #IP-DENF-EXCH; Off Exchange – Policy Form #IP-DENF-

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-​party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof.

Important Information about Guardian’s DentalGuard Indemnity, DentalGuard Preferred PPO Plans and Premier Access PPO Plans:  These policies provide dental insurance only. 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. These 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. These plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services. The services, exclusions, and limitations listed above do not constitute a contract and are a summary only. The Guardian plan documents are the final arbiter of coverage.

Important Information About Guardian’s Managed DentalGuard Pre-​Paid (Florida) Plan, Managed Dental Care’s DHMO (California) Plan, Managed DentalGuard, Inc. Managed DentalGuard DHMO (Texas) Plan, Managed DentalGuard, Inc. Managed DentalGuard DHMO (New Jersey) Plan and Access Dental Plan (California):  These plans provide Pre-​Paid dental benefits through a network of participating general dentists and specialty care dentists. All covered services must be provided by the member’s Primary Care Dentist. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by Managed DentalGuard/Access Dental. Only those services listed in the plan are covered. Certain services are subject to annual or other periodic limitations. Where orthodontic benefits are specifically included, these plans provide for one course of comprehensive treatment per lifetime, per member. These plans do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date under the plan. The services, exclusions and limitations listed here do not constitute a contract and are a summary only. The Managed DentalGuard and Access Dental Plan plan documents are the final arbiter of coverage. IP-MDG-DHMO (Florida, Texas, New Jersey) and HBEX-EOC-IP-CA (California).

New York Residents: Individual HCR DHMO Policy Form Numbers: Form IP-MDG-NY-EHB-ON-17; Form IP-MDG_NY-EHB-OFF-17; Form IP-MDG-NY-FP-ON-17; Form IP-MDG-NY-FP-OFF-17

Important information about First Commonwealth Inc. and its subsidiaries’ dental plans (Illinois, Missouri, Wisconsin, Michigan and Indiana):  These plans provide pre-​paid benefits through a network of participating general dentists and specialty care dentists. All covered services must be provided by the member’s Primary Care Dentist. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by First Commonwealth. Only those services listed in the plan are covered. Certain services are subject to annual or other periodic limitations. Where orthodontic benefits are specifically included, these plans provide for one course of comprehensive treatment per lifetime, per member.   First Commonwealth plans do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date under a First Commonwealth plan. The services, exclusions and limitations listed here do not constitute a contract and are a summary only. The First Commonwealth plan documents are the final arbiter of coverage. IP-FCW-DHMO.

GUARDIAN® and the GUARDIAN G® logo are registered service marks of Guardian Life Insurance Company of America and are used with express permission.

Learn More About Guardian

Guardian has been a trusted name in insurance for over 155 years. Today, we have one of the largest dental insurance networks in the country and our dentists can help you save up to 35% on the dental care you need* Learn More About Guardian »

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