Choosing a dentist can be a difficult decision, especially when you are looking for a new one. There are a lot of factors to consider, from cost to customer service. There are also reviews on guardian dental to help you decide which dentist is right for you.
Costs
Using Guardian dental insurance for your family’s needs is a great way to reduce the cost of preventive care and other important procedures. There are three plan levels, ranging from the least expensive to the most comprehensive. Each one comes with a variety of benefits.
The Bronze Plan is the cheapest. The plan offers basic coverage for checkups, cleanings, and x-rays. The maximum payout is $500 during the first year and $1,500 in the second.
The Silver Plan is the most comprehensive. The plan covers the cost of dental implants up to $700. It also pays $1,000 in the first year and $1,250 in the second. It also covers orthodontics up to $500. The lifetime max for orthodontia is also $500.
The Core Plan has a variety of benefits. The plan includes a wide network of providers. It also offers teledentistry, which allows patients to consult their dentist from home.
Complaints about the company
Generally, complaints about guardian dental insurance involve difficulty finding an in-network dentist. This is not surprising since the company isn’t averse to making changes when necessary. In fact, it offers several different plans to its employers and members.
The company offers a provider search tool on its website. It has also earned the A+ rating from the Better Business Bureau. The company has received 71 customer complaints through the BBB since 1957.
There is no sign-up fee for membership. However, it is possible to pay out-of-pocket for services. If you are concerned about your ability to pay, you can apply for a payment limit or a deductible.
In the event you have a problem, you can call the company’s customer service delivery department for a streamlined resolution. The team will investigate your complaint in writing. If your issue involves your dental benefits, they will make every attempt to resolve the problem directly with you.
Plans for nearly every budget
Whether you’re in the market for dental insurance for yourself, your family, or a group, Guardian offers plans for nearly every budget. They provide comprehensive coverage with a large network of dentists and service locations, and you’ll find that the claims process is straightforward.
There are four main dental insurance plans offered by Guardian. These plans vary in cost depending on the level of coverage you purchase and the deductible. The lowest-priced plan, the Bronze, covers only 50% of dental services after the deductible, while the Gold and Complete plans cover up to 80% of dental costs.
You can purchase Guardian dental plans independently, through your employer, or on the exchange. You can also download the Guardian mobile app to search for providers and view your insurance cards. The company also offers teledentistry for patients, allowing them to speak with a dentist from home.
Teledentistry
Using Guardian dental plans can help ensure that members have access to urgent care. If they experience a dental emergency, they can call their Guardian Teledentistry service for a virtual consultation with a dentist. The service will provide a diagnosis and may even prescribe an antibiotic if necessary.
This service can also be used for a number of other dental issues. For example, if a patient has a swollen tooth, they can contact their remote dentist through video chat. The dentist can then look at the swollen tooth and prescribe medication if necessary. This could help improve a patient’s overall health and save money for both parties.
However, some insurance carriers do not offer teledentistry as an option. Therefore, it is essential to check with your provider to see if you qualify for the services. You should also check to determine how much you will have to pay.
Guaranteed insurability option
Using a guaranteed insurability option as part of a life insurance policy is a great way to avoid paying out of pocket for primary care. For example, the insurer will waive a waiting period for routine dental treatment. You may also be eligible to receive an additional benefit. These other benefits range from life insurance to critical illness coverage.
The guaranteed insurability option fan’s best bet is to pick the best plan for your needs. This should take into account both your income level and health status, as well as your family size and lifestyle. The insured can choose to pay for dental coverage from Guardian’s PPO network or a national dentist network. You will have access to over 120,000 providers. The company offers plans for a wide range of budgets.
