Guardian Dental PPO
We have a lot of patients who are saving on dental care by using their Guardian Dental PPO at our office.
Thanks to our advanced software programs and vast experience of our insurance coordinators, we can help you use your dental insurance to cover most or all of the costs for your care.
Many Westchester dentists accept Guardian Dental.
Few of them do as much as we to save you money.
This is a brief description of common terms and conditions found in most Guardian Dental PPO plans.
In Westchester, Guardian Dental Insurance is one of the most popular dental plans. Many companies in and around Harrison, White Plains, Scasdale, and Rye, offer Guardian Dental to their employees.
Guardian offers a wide variety dental insurance plans, and the type of plan you have depends on the contract your employer signed with them. Many of the plans follow similar structure – but yours may have specific conditions and exclusions not found in any other.
Annual Maximum Benefit –
Is what your insurance will pay in any given insurance year. For Guardian, it is typically between $1500 and $2500. Most Guardian Plans define INSURANCE YEAR from January 1 to December 31. Some plans, especially for school employees, may run on July 1-June 30 year. Check with your plan.
Annual Deductible –
what your insurance plan wants you to pay before they cover anything. For Guardian, it is usually $50.
Coverage for Preventive procedures –
what your insurance plan will pay for checkups, cleanings, X-rays, and sealants and fluoride for children. It is typically 100%, although some plans may pay less. Usually, the deductible does not apply.
Coverage for Cleanings and Checkups –
there are three types of frequencies allowed, twice a year, twice every 12 months, or once every 6 months. While they sound the same, they are actually very different.
Twice a year means twice every insurance year (typically January to December, but may be July to June, especially for school employees). Within that year, your insurance company will pay for 2 cleanings and checkups.
Twice every 12 months means your insurance company will pay for 2 cleanings and checkups every consecutive 12 months.
Once every 6 months means your insurance company will pay for one cleaning and checkup every 6 months to the day
Coverage for Basic procedures –
what your insurance plan will pay for fillings, root canals, gum treatments, and extractions. Most Guardian plans will cover 60-80% of the procedure costs. Sometimes, even though the plan says they will cover 80% of the procedure, their fees are so low that the actual coverage may be less.
Coverage for Major Procedures –
crowns, bridges, dentures. Typically, it is 50%, but it is subject to many provisions and restrictions, such as missing tooth clause, alternative minimum benefits, and others.
Coverage for Cosmetic Procedures –
veneers, teeth whitening, cosmetic bonding, adult orthodontics. No Guardian plan we have seen provides any coverage for these procedures.
Coverage for Dental Implants –
varies greatly by the plan. Check with your carrier for specific information.
Does Guardian Dental PPO cover Invisalign or Six Month Braces?
Some plans do, and some don’t. Many plans will only cover any orthodontic treatment up to 19 years of age, while others have no restrictions. Ask us – we’ll have this information for you in minutes!
Does Guardian Dental PPO cover dental implants?
Very often, a portion of the treatment is covered. Varies by the plan, inquire about details.
Does Guardian Dental PPO cover dental veneers or other cosmetic dentistry?
Unfortunately, no dental insurance covers cosmetic dentistry. But if we are replacing old, unsightly fillings and crowns, the replacement is frequently covered, even if done for mostly cosmetic reasons.
Please keep in mind that your plan may be completely different from the general guidelines we have provided here. We use a sophisticated computer system, Dentrix with Trojan Insurance Module, to help us get as much information as possible. Very often, we are able to tell you about your plan in great detail once we know who the employer is. Call us at 914 630 2833 for more information.
Some of the companies in and around Harrison and Westchester County who offer Guardian Dental to their employees are:
Partner Reinsurance Co.
BNC Insurance Agency, Inc.
General Bearing Corporation
ENT & ALLERGY ASSOC
Research 1825, Inc.
Angelo Gordon and Co.
Centerprise Services Inc.
TWF Contracting Inc
Air Structures American Technol
West. Rklnd. Electrical Inspect
Vornado Realty Trust
Visiting Nurse Services
Paris Ceramics America
Electro Energy, Inc””
Terra Gen Power
ED Mitchell, INC
CFA Capital Partners, LLC
Partner Reinsurance CO
Yonkers Contracting Co
ENT and Allergy
Hamilton Park Health Care
Employer Services Corporation
Ota Limited Partnership
CUNY Welfare Fund
New Country Motor Group
Platinum Grove Asset Managemen,
GREATER HUDSON BANK
Next Management Corp
Laurel Capital Inc.
Mitchell Wilk Architecture