l Dental Dental Coverage PLAN HIGHLIGHTS: The Arc Montgomery County Here is your new coverage. Make sure you are aware of the deadline date for your coverage elections. If you miss the deadline, the coverage may be delayed or you may not be eligible for enrollment this year. Questions? Concerns? Helpline (888) 600-1600 Call weekdays, 7:00AM to 8:30PM, EST. And refer to your plan number: 00488327 Learn more about Guardian at www.guardianlife.com.
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Dental Coverage - Benefit Design Group Benefit Descriptions... · 2013-05-20 · Dental insurance will keep these visits affordable and is a cost-effective way to minimize health
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l Dental
Dental Coverage
PLAN HIGHLIGHTS:
The Arc Montgomery County
Here is your new coverage. Make sure you are aware of the deadline date for your coverage elections.
If you miss the deadline, the coverage may be delayed or you may not be eligible for enrollment this year.
Questions? Concerns?
Helpline (888) 600-1600Call weekdays, 7:00AM to 8:30PM, EST. And refer to
your plan number: 00488327
Learn more about Guardian atwww.guardianlife.com.
We’re ready to get working for youIf you’re like most employees, finding enough time in the day to accomplish your lengthy
to-do list can often be no easy task.
As your Guardian coverage begins, we want you to know that we’re here for you every step
of the way and are committed to providing you with the resources to obtain fast, accurate
answers to your benefits-related questions.
One way in which we do this is through our online member resource, Guardian Anytimesm,
which allows you to manage your benefits when it works best for you — day or night. Plus,
it offers helpful resources to ensure you get access to the quality care you need.
We encourage you to take a couple minutes to check out and register for Guardian
Anytimesm at www.GuardianAnytime.com. We promise it will be time well spent.
Welcome to Guardian!
Plan Details This bookletexplains your basic planoptions. Your detailedcertificate of coverage will beprovided to you after youenroll.
Call the Helpline Questionsanswered at (888) 600-1600.
Find a networkdentist in minutesUse our ProviderOnline Search atwww.guardianlife.com
Optional pre-treatmentreview If you expect yourtreatment will cost $300 ormore, you can find out howmuch your plan will paybefore treatment starts.
Understand your benefitsPlease find a glossary forinsurance terms included.
UNDERSTAND YOUR COVERAGE:
n Review your benefits
n Complete your enrollment form, if applicable
n Sign and return form to your plan administrator
Dear The Arc Montgomery County Employee,
We�re pleased to tell you that Guardian will be our dentalcoverage provider this year. We have chosen Guardian because ofits competitive rates, excellent service reputation, and reliabledental claims payment.
We have worked hard to negotiate group rates that will beaffordable for all employees. All coverage is paid through payrolldeduction.
The Arc Montgomery County
Prepared for The Arc Montgomery County Guardian Group Plan Number 00488327
Questions? Call the Guardian Helpline (888) 600-1600 www.guardianlife.com Enrollment Kit 00488327, 0001, EN
Welcome
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Notes:
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Why Dental Insurance?
Good oral hygiene is important, not only for looks, but for general health as well. A routine dental examination can detect symptoms of more than125 diseases, including heart disease, diabetes, anemia, stomach ulcers, osteoporosis and kidney disease. Regular check ups and cleanings cansave you the pain and expense of future problems. Dental insurance will keep these visits affordable and is a cost-effective way to minimize healthcare costs for you and your family. The American Dental Hygienists� Association estimates that for every $1 spent on prevention or oral health care,as much as $8 to $50 is saved on future emergency and restorative procedures. Using your dental insurance for regular dental check ups canimprove your health by helping you:
1) Prevent Oral Cancer: According to The Oral Cancer Foundation, someone dies from oral cancer every hour of every day in the United Statesalone. When you have your dental cleaning, your dentist is also screening you for oral cancer, which is highly curable if diagnosed early.
2) Prevent Gum Disease: Gum disease is an infection in the gum tissues and bone that keep your teeth in place and is one of the leading causesof adult tooth loss. If diagnosed early, it can be treated and reversed. If treatment is not received, a more serious and advanced stage of gumdisease may follow. Regular dental cleanings and check ups, flossing daily and brushing twice a day are key factors in preventing gum disease.
3) Help Maintain Good Physical Health: Recent studies have linked heart attacks and strokes to gum disease, resulting from poor oral hygiene.A dental cleaning every six months helps to keep your teeth and gums healthy and could possibly reduce your risk of heart disease and strokes,as well as many other serious conditions.
4) Keep Your Teeth: Since gum disease is one of the leading causes of tooth loss in adults, regular dental check ups and cleanings, brushingand flossing are vital to keeping as many teeth as you can. Keeping your teeth means better chewing function and ultimately, better health.
5) Prevent the Need for Advanced Treatment: Your dentist and hygienist will be able to detect any early signs of problems with your teeth orgums that can be easily treatable. If these problems go untreated, root canals, gum surgery and removal of teeth could become the onlytreatment options available.
6) Have a Bright and White Smile: Your dental hygienist can remove most tobacco, coffee and tea stains. During your cleaning, your hygienistwill also polish your teeth to a beautiful shine.
7) Protect your children�s health: Tooth decay is the most common chronic childhood disease, five times more common than asthma and resultsin a loss of 51 million school hours each year. Regular check ups can help prevent tooth decay in your children.
Sources: www.about.com, American Academy of Pediatrics
Prepared for The Arc Montgomery County Guardian Group Plan Number 00488327
Questions? Call the Guardian Helpline (888) 600-1600 www.guardianlife.com Enrollment Kit 00488327, 0001, EN 3
Dental PlansYOUR GUARDIAN
PLAN OFFERS:
No charge for preventive care(subject to plan limits)
Maximum rollover If amember submits at leastone claim and stays underthe claims threshold, a partof the unused maximumwill be rolled over for usein future years.
National PPO network of morethan 87,000 dentists at over200,000 locations nationwide.
Reliable claims payment fourdays on average
Find out if your dentist is inGuardian�s network atwww.guardianlife.com
Let Guardian put its 30-plus yearsof dental benefits experience towork for you and your family.
COMPARE THE PLANS Option 1: Split Value M7 Option 2: Value VZ
Your Semi-monthly premium $13.45 $7.93You and 1 dependent (Spouse or Child) $26.23 $16.06
You, spouse and child(ren) $39.30 $22.92
Plan year deductible In-Network Out-Network In-Network Out-Network
Individual $50 $50 $25 $25Family limit 3 per family 3 per familyWaived for Preventive Preventive Preventive Preventive
Charges covered for you (co-insurance) In-Network Out-Network In-Network Out-Network
Preventive Care (e.g. cleanings) 100% 80% 100% 100%
Basic Care (e.g. fillings) 80% 70% 50% 50%
Major Care (e.g. crowns, dentures) 50% 40% 25% 25%
Orthodontia Not Covered Not Covered
Annual Maximum Benefit $1000 $1000 $2000 $2000
Maximum Rollover Yes YesRollover Threshold $500 $800
Rollover Amount $250 $400
Rollover In-network Amount $350 $600
Rollover Account Limit $1000 $1500
Lifetime Orthodontia Maximum Not Applicable Not Applicable
Dependent Age Limits 26 26
Option 1 or 2: With your Split Value M7 or Value VZ plan, you can visit any dentist; but you pay less out-of-pocket when you choose a PPO dentist.Out-of-network benefits are limited to our PPO fee schedule.
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CATEGORY PLAN DETAILS Option 1: Split Value M7 Option 2: Value VZPlan pays (on average) Plan pays (on average)
This is only a partial list of dental services. Your certificate of benefits will show exactly what is covered and excluded. **For PPO and orIndemnity members, Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury or otherpathology when the tooth cannot be restored with amalgam or composite filing material. When Orthodontia coverage is for "Child(ren)"only, the orthodontic appliance must be placed prior to the age limit set by your plan; If full-time status is required by your in order toremain insured after a certain age; then orthodontic maintenance may continue as long as full-time student status is maintained. IfOrthodontia coverage is for "Adults and Child(ren)" this limitation does not apply. The total number of cleanings and periodontalmaintenance procedures are combined in a 12 month period. *General Anesthesia - restrictions apply. �For PPO and or Indemnitymembers, Fillings- restrictions may apply to composite fillings.
Please note: The plandetails listed here are someof the most commonservices related to dentalcoverage. The co-insurance percentages forthe PPO plan optionscorrespond to the coveragecategories of Preventive,Basic, Major andOrthodontia listed in thetable above.
Some services may be paidunder a different categorythan listed. The actualco-insurance shownreflects your plan'scoverage.
EXCLUSIONS AND LIMITATIONS
n Important Information about Guardian�s DentalGuard Indemnity and DentalGuard Preferred PPO plans: This policyprovides dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnose ortreat dental disease, defect, or injury. Deductibles apply. The plan does not pay for: oral hygiene services (exceptas covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimentaltreatments (unless they are expressly provided for), any treatments to the extent benefits are payable by any otherpayor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillaryto surgical treatment. The plan limits benefits for diagnostic consultations and for preventive, restorative,
endodontic, periodontic, and prosthodontic services. The services, exclusions and limitations listed above do notconstitute a contract and are a summary only. The Guardian plan documents are the final arbiter of coverage.Contract # GP-1-DG2000 et al.
n For PPO and or Indemnity Special Limitation: Teeth lost or missing before a covered person becomes insured by this plan.A covered person may have one or more congenitally missing teeth or have lost one or more teeth before he became insuredby this plan. We won�t pay for a prosthetic device which replaces such teeth unless the device also replaces one or morenatural teeth lost or extracted after the covered person became insured by this plan. R3 � DG2000
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UNDERSTANDING YOUR BENEFITS�DENTAL
Basic care Moderately complex dental services. Most plans consider fillings and extractions to be basic care.
Co-insurance The portion of the covered charge paid by Guardian.
Claims Payment Basis Value VZ
In-Network: You receive regular contracted savings, and no balance billing.Out-of-Network: Charges will be paid for only up to the maximum fee level established with our contracted network dentists;any amount that is charged over the fee schedule is the responsibility of the patient.
Claims Payment Basis Split Value M7
In-Network: You receive regular contracted savings, paid at a higher co-insurance level; with no balance billing.Out-of-Network: Charges will be paid for only up to the maximum fee level established with our contracted network dentists;any amount that is charged over the fee schedule is the responsibility of the patient.
Deductible The amount of charges you and your family must pay each plan year before the plan pays you any benefits.
Family limit Maximum number of deductibles your family must pay in each plan year before this plan starts paying benefits for all covered familymembers for the rest of the plan year.
In-network charges Charges for services provided by dentists who are a member of your plan's network.
Major care More complex dental services. Most plans consider crowns and dentures to be major care.
Out-of-network charges Charges for services provided by dentists who are not members of your plan's network.
Plan year The 12 month period used to apply this plan's deductible and annual maximum.
PPO (Preferred Provider Organization) Plan that lets you visit any dentist, but usually provides better benefits for the services of PPO network dentists. PPO dentists haveagreed to accept discounted fees as payment in full.
Pre-determination Review Guardian will gladly assist you and your dentist by determining what benefits could be payable for services and procedures over $300.Have your dentist fax your treatment plan to Guardian, note that it is a pre-determination review and we will let your dentist know whatbenefits would be payable. This includes orthodontic treatment if your plan includes it. Pre-determination applies to PPO and Indemnityplans only.
Preventive care Most routine dental services. Most plans consider checkups and cleanings to be preventive care.
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Introducing your Guardian and Dominion Dual Choice Dental Plan
Through Guardian and Dominion– you can choose the plan that works best for you. Both offer comprehensive coverage to help keep you healthy and save money – all on one bill from Guardian! Choose between:
Guardian’s PPO – access to one of the nation’s largest network • Over 88,0000 in-network dentists nationally – and growing every day
• Dentists offer discounts averaging 30% - helping to save money on important treatments for health
• Strict credentialing process ensures quality care
• Freedom to see any dentist – but can save when visiting a dentist in the network
• Find a dentist online or through your smart phone – www.GuardianAnytime.com
Dominion’s Select/Pre-Paid Plan (same as a DHMO)1 – lower-cost access to dental care • Choice of any participating dentist in one of the area’s largest DHMO-style networks2
• No deductibles, maximum dollar limits, waiting periods, claims forms3 or pre-authorization forms
• Extensive coverage and quality dental care at pre-determined fees
• Orthodontic benefits provided for adults and children
1 Same as a DHMO with fixed member copayments, no annual maximum dollar limits, no waiting periods, no deductibles, no pre-authorization paperwork or pre-treatment estimates and no claim forms or proof of loss (except in the case of out-of-area emergencies). 2 Dominion Dental Services, Inc. Competitive Network Survey, 4th Quarter 2012. Participating dentists are subject to change. 3 Out-of-area emergency care reimbursement requires a receipt or other proof of loss.
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Good News! Your Dental Plan Is Even Better Than You Think
Savings on in-Network providers average 30% of what dentists usually charge!
In-network: You receive regular contracted savings, paid at ahigher co-insurance level; with no balance billing.
Out-of-network: Charges will be paid for only up to themaximum fee level established with our contracted networkdentists; any amount that is charged over the fee schedule isthe responsibility of the patient.
Split Value PlanExample: Network vs. Non-Network Savings*N
Difference in your out-of-pocket expense: $369Benefits for a Root Canal (on a molar)
Network Care Non-Network Care
Typical network dentist fee: $665
Plan Pays: $532**
You Pay: $133
Average non-network dentist fee: $968
Plan Pays: $466**
You Pay: $502
*Savings may be greater or less depending on your dentist’s location** Assumes service is covered at a 70% and an 80% co-insurance level for non-network and network care respectively.
More Reasons to Use Network Care
One of the industry’s largest Preferred Provider networks – highly skilled dental professionals at over 128,000 locations. Network dentists are easy to locate. Simply use the On-Line DentalGuard Provider Directory at www.GuardianLife.com or call the number
on the back of your ID card. If your provider does not participate, Guardian’s convenient dentist referral program can help add them to thenetwork!
No claim forms to complete. Just present your new DentalGuard Preferred Network ID card to the provider.
DentalGuard General Limitations and Exclusions: This policy provides dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductiblesapply. The plan does not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatments to the extent benefits arepayable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment, The plan limits 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 ofcoverage. Contract # GP-1-DG2000 et al. 9
Maximum Rollover®Save Your Dental Annual Maximum Dollars For a Time When You Need Them Most!
With Maximum Rollover, Guardian will roll over a portion of your unused annual maximum into your personal Maximum Rollover Account (MRA). TheMRA can be used in further years, if you reach the plan’s annual maximum.To qualify, you must submit a claim for covered services for which a benefit payment is issued, in excess of any deductible or co-pay, and you must notexceed the paid claims threshold during the benefit year.You and your insured dependents maintain separate MRAs based on your own claim activity. Each MRA may not exceed the MRA limit.You can view your annual MRA statement detailing your account and those of your dependents on www.GuardianAnytime.com.
PLAN ANNUALMAXIMUM ** THRESHOLD MAXIMUM ROLLOVER AMOUNT IN-NETWORK ONLY MAXIMUM
ROLLOVER AMOUNTMAXIMUM ROLLOVER
ACCOUNT LIMIT
$1000 $500 $250 $350 $1000** If a plan has a different annual maximum for PPO benefits vs. non-PPO benefits, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines the Maximum Rollover plan.
NOTES:Cases on either a calendar year or policy year accumulation basis qualify for the Maximum Rollover feature. For calendar year cases with an effectivedate in October, November or December, the Maximum Rollover feature starts as of the first full benefit year. For example, if a plan starts in November of2009, the claim activity in 2010 will be used and applied to MRAs for use in 2011.Under either benefit year set up (calendar year or policy year), Maximum Rollover for new entrants joining with 3 months or less remaining in the benefityear, will not begin until the start of the next full benefit year.Maximum Rollover is deferred for members who have coverage of Major services deferred. For these members, Maximum Rollover starts when coverageof Major services starts, or the start of the next benefit year if 3 months or less remain until the next benefit year.
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Good News! Your Dental Plan Is Even Better Than You ThinkSavings on in-Network providers average 30% of what dentists usually charge!In-network: You receive regular contracted savings, and nobalance billing.
Out-of-network: Charges will be paid for only up to the maximum fee levelestablished with our contracted network dentists; any amount that is chargedover the fee schedule is the responsibility of the patient.
Value PlanExample: Network vs. Non-Network Savings*N
Difference in your out-of-pocket expense: $369Benefits for a Root Canal (on a molar)
Average non-network dentist fee: $968Plan Pays: $532**You Pay: $436
*Savings may be greater or less depending on your dentist’s location**Assumes service is covered at an 80% co-insurance level
More Reasons to Use Network Care• One of the industry’s largest Preferred Provider networks – highly skilled dental professionals at over 128,000 locations.• Network dentists are easy to locate. Simply use the On-Line DentalGuard Provider Directory at www.GuardianLife.com or call the number
on the back of your ID card. If your provider does not participate, Guardian’s convenient dentist referral program can help add them to thenetwork!
• No claim forms to complete. Just present your new DentalGuard Preferred Network ID card to the provider.DentalGuard General Limitations and Exclusions: This policy provides dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductiblesapply. The plan does not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatments to the extent benefits arepayable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment, The plan limits 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 ofcoverage. Contract # GP-1-DG2000 et al.
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Maximum Rollover®Save Your Dental Annual Maximum Dollars For a Time When You Need Them Most!
With Maximum Rollover, Guardian will roll over a portion of your unused annual maximum into your personal Maximum Rollover Account (MRA). TheMRA can be used in further years, if you reach the plan’s annual maximum.To qualify, you must submit a claim for covered services for which a benefit payment is issued, in excess of any deductible or co-pay, and you must notexceed the paid claims threshold during the benefit year.You and your insured dependents maintain separate MRAs based on your own claim activity. Each MRA may not exceed the MRA limit.You can view your annual MRA statement detailing your account and those of your dependents on www.GuardianAnytime.com.
PLAN ANNUALMAXIMUM ** THRESHOLD MAXIMUM ROLLOVER AMOUNT IN-NETWORK ONLY MAXIMUM
ROLLOVER AMOUNTMAXIMUM ROLLOVER
ACCOUNT LIMIT
$2000 $800 $400 $600 $1500** If a plan has a different annual maximum for PPO benefits vs. non-PPO benefits, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines the Maximum Rollover plan.
NOTES:Cases on either a calendar year or policy year accumulation basis qualify for the Maximum Rollover feature. For calendar year cases with an effectivedate in October, November or December, the Maximum Rollover feature starts as of the first full benefit year. For example, if a plan starts in November of2009, the claim activity in 2010 will be used and applied to MRAs for use in 2011.Under either benefit year set up (calendar year or policy year), Maximum Rollover for new entrants joining with 3 months or less remaining in the benefityear, will not begin until the start of the next full benefit year.Maximum Rollover is deferred for members who have coverage of Major services deferred. For these members, Maximum Rollover starts when coverageof Major services starts, or the start of the next benefit year if 3 months or less remain until the next benefit year.
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Dental Care Information Now at Your FingertipsIntroducing new online tools, for Guardian members, to help you take better care of your oral and overallhealth, available at www.GuardianAnytime.com (see the My Benefits tab)
Estimate the cost of your dental care• View estimates for out-of-pocket costs prior to receiving the actual treatment• See the estimated cost savings if you use a Guardian network provider• Access a dental glossary for definitions of key dental terms
Read about tips for a Healthy Smile• Learn more about how to maintain good oral health and its impact on their overall health and well-being• Topics include tips on getting the right care, children’s dental care, prevention and recognizing dental problems
Find a dentist quickly and easily• Create a customized list of providers based on their preferences, or look up a specific provider• Unique features include side-by-side comparisons of provider information, ability to create a short list of “favorite” providers for quick
reference and get maps and directions to an office• Have your results faxed or emailed back to you
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Guardian’s International Dental Assistance –Access to quality care
when far from home
Guardian is committed to helping you get more value from your dental plan. We are pleased that your Guardian dental planoffers access to International Assist.* You’ll have access to dental care if needed while traveling outside of the United States.
International Assist is available as a resource if you or your family members need emergency dental assistance while abroad:
Simply call collect to a special telephone number, available at any time – 24 hours a day, 7 days a week
You will be provided with referrals to dentists and facilities providing emergency dental care
Details provided include specialty, experience and English-language proficiency
Dentists have gone through strict credentialing, including local accreditation, experience working with foreign patients andpatient care environment
Reimbursement for services through an International Assist dentist will be as an out-of-network service. Simply save receiptsand submit a claim.
Available in over 200 countries it just takes a phone call:International: (call collect) 1-630-766-7710From within the US: 888-647-2701
*International referral program provided by AXA Assistance USA, Inc.
The Guardian Life Insurance Company of America, New York, NY 10004
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Finding a Provider
How to Look Up DentalGuard Preferred Providers Online
Guardian’s innovative web technology lets you look up a provider right from your computer. Our Find a Provider Search function is simple and easy-to-use. Just follow these steps:
Visit Guardian’s web page at www.GuardianAnytime.com:
• Click on “Find A Provider” at the top of the page
• Click on the box that says “Find a Dentist”
On the next web page, follow these easy steps to search:
• Under “Select Your Dental Plan” Choose PPO
• Under “Search by” select “Search by Location”, “Location & Dentist’s Name”, or “Location & Office Practice Name”.
• Under “Your Location”, enter Zip Code or Street Address information
• Under “Distance” select your mile radius, then “Select your Dental Network” Choose – DentalGuard Preferred Note: You also have the option to include type of Dentist, foreign language spoken, and office status in your search.
• Click “Continue” to view the list of network providers
You can also find a dentist on the go from your smart phone – simply download our app at www.GuardianAnytime.com/mobile.
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Find a Provider
How to Look Up Dominion Plan Providers Online
Guardian’s innovative web technology lets you look up a provider right from your computer. Our Find a Provider Search function is simple and easy-to-use. Just follow these steps:
Visit Guardian’s web page at www.GuardianAnytime.com:
• Click on “Find A Provider” at the top of the page
• Click on the box that says “Find a Dentist”
On the next web page, follow the easy steps to search:
• Under “Select Your Dental Plan” Choose DHMO/Pre-Paid
• Under “Search by” select “Search by Location”, “Location & Dentist’s Name”, or “Location & Office Practice Name”.
• Under “Your Location”, enter Zip Code or Street Address information
• Under “Distance” select you mile radius, then “Select your Dental Network” Choose– Dominion Note: You also have the option to include foreign language spoken and office status in your search.
• Click “Continue” to view the list of network providers
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It’s easy to use your dental benefits. You don’t even need an ID card!
Your Guardian dental benefits are designed to save you money on important treatments to keep you healthy, by making it easy for you to find a network dentist in your area. The best way to save money is to see a dentist in your network.
It’s easy to find a Guardian network dentist:
• Visit www.GuardianAnytime.com and click on Find a Provider.
• Under Dental Plan, choose PPO. Your PPO type is DentalGuard Preferred.
• Follow the easy steps to search.
• You can also find a dentist on the go from your smart phone – simply download our app at www.GuardianAnytime.com/mobile.
You’ll need your Group ID number for your first visit with the dentist. The Group ID number is included in your enrollment material and available from your employer.* Once your plan is activated, you can also view and print an image of your ID card from www.GuardianAnytime.com or through our smart phone app. Use your Group ID number to register.
*Your Group ID Number is located on the front of your enrollment materials and on the top right corner of the enrollment form.
2012-8231
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Guardian AnytimeSM Mobile
Guardian’s network in the palm of your hand.
The best way to save money through your dental and vision benefits is to see a provider in your network. Guardian makes it easy to find a dentist orvision provider near you, online or on the go! Plus, you can access your member ID card to present at your visit.Choose between:
Search on the go!
It’s fast and easy to find a provider from your smart phone through our Guardian Anytime mobile app.It’s easy to download and use! Simply search by location or name.
Visit www.GuardianAnytime.com/mobile.
View/Print your Member ID Card
You no longer need to show your dental or vision provider a paper ID card. Simply access an image ofyour card through Guardian Anytime Mobile and show them at your visit!
You can also Find a Provider at our website www.GuardianAnytime.com. Customize your search, getside-by-side comparisons, or create a quick list of “favorite” providers and more!
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ADDITIONAL MATERIALS
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It’s quick and easy to view and print your Guardian ID card!
Simply register for www.GuardianAnytime.com and follow these instructions!
Step 1: Log-in and click on the ID card link on your Home page, or choose “Forms and Materials.”
Step 2: Select View/Print next to the card you want to access Step 3: Choose Open and you can then save or print your ID card
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Thank You
q Check the coverage you want
q Include your social security number
(and those of your dependents, if applicable)
q Include dates of birth
q Indicate the best way to reach you
q Include your name on each page of the form
q Sign and date form
If applicable, return your completed form to your plan
Enrolled members and their dependents can access helpful,secure information about their Guardian benefit(s) instantly atwww.GuardianAnytime.com
� Review your benefits� Look up amounts and services covered in your plan� Check the status of a claim� Receive e-mail alerts when a response to your
dental* claim is available online� View and print dental or vision ID cards� Print forms and plan materials...and much more
To register, go to www.GuardianAnytime.com
*Not available to members with Guardian pre-paid Dental/DHMO plans (including FirstCommonwealthand Managed DentalGuard plans).
The Arc MontgomeryCounty Dental BenefitsPlan
0001
Group Number: 00488327
About Your Benefits:
Good oral hygiene is important, not only for looks, but for general health as well. A routine dental examination can detect many
diseases including heart disease, diabetes, anemia, stomach ulcers, osteoporosis and kidney disease. Regular check ups and cleanings
can save you the pain and expense of future problems. Using your dental insurance for regular dental check- ups can improve your
health. Your dental insurance can also help save you money if more serious dental treatments are needed.
Option 1 or 2:With your Split Value M7 or Value VZ plan, you can visit any dentist; but you pay less out-of-pocket when youchoose a PPO dentist. Out-of-network benefits are limited to our PPO fee schedule.
The Arc Montgomery County Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
This is only a partial list of dental services. Your certificate of benefits will show exactly what is covered and excluded. **For PPO and or Indemnitymembers, Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury or other pathology when the toothcannot be restored with amalgam or composite filing material. When Orthodontia coverage is for "Child(ren)" only, the orthodontic appliance mustbe placed prior to the age limit set by your plan; If full-time status is required by your plan in order to remain insured after a certain age; thenorthodontic maintenance may continue as long as full-time student status is maintained. If Orthodontia coverage is for "Adults and Child(ren)" thislimitation does not apply. The total number of cleanings and periodontal maintenance procedures are combined in a 12 month period. *GeneralAnesthesia – restrictions apply. ‡For PPO and or Indemnity members, Fillings – restrictions may apply to composite fillings.
Manage Your Benefits:
Enrolled members and their dependents can accesshelpful, secure information about their Guardian benefits atwww.guardiananytime.com
Find A Dentist:
Visit www.GuardianLife.comUnder “Contact Us”, Click on “Find A Provider”
Questions?
Call the Guardian Helpline (888) 600-1600Call weekdays, 7:00 AM to 8:30 PM, EST. And referto your plan number: 00488327
EXCLUSIONS AND LIMITATIONS
n Important Information about Guardian’s DentalGuard Indemnity andDentalGuard Preferred PPO plans: This policy provides dental insurance only.Coverage is limited to those charges that are necessary to prevent, diagnose ortreat dental disease, defect, or injury. Deductibles apply. The plan does not payfor: oral hygiene services (except as covered under preventive services),orthodontia (unless expressly provided for), cosmetic or experimentaltreatments (unless they are expressly provided for), any treatments to theextent benefits are payable by any other payor or for which no charge is made,prosthetic devices unless certain conditions are met, and services ancillary tosurgical treatment. The plan limits benefits for diagnostic consultations and for
preventive, restorative, endodontic, periodontic, and prosthodontic services.The services, exclusions and limitations listed above do not constitute acontract and are a summary only. The Guardian plan documents are the finalarbiter of coverage. Contract # GP-1-DG2000 et al.
n PPO and or Indemnity Special Limitation: Teeth lost or missing before acovered person becomes insured by this plan. A covered person may have one ormore congenitally missing teeth or have lost one or more teeth before he becameinsured by this plan. We won’t pay for a prosthetic device which replaces such teethunless the device also replaces one or more natural teeth lost or extracted after thecovered person became insured by this plan. R3 – DG2000
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Introducing your Guardian and Dominion Dual Choice Dental Plan
Through Guardian and Dominion– you can choose the plan that works best for you. Both offer comprehensive coverage to help keep you healthy and save money – all on one bill from Guardian! Choose between:
Guardian’s PPO – access to one of the nation’s largest network • Over 88,0000 in-network dentists nationally – and growing every day
• Dentists offer discounts averaging 30% - helping to save money on important treatments for health
• Strict credentialing process ensures quality care
• Freedom to see any dentist – but can save when visiting a dentist in the network
• Find a dentist online or through your smart phone – www.GuardianAnytime.com
Dominion’s Select/Pre-Paid Plan (same as a DHMO)1 – lower-cost access to dental care • Choice of any participating dentist in one of the area’s largest DHMO-style networks2
• No deductibles, maximum dollar limits, waiting periods, claims forms3 or pre-authorization forms
• Extensive coverage and quality dental care at pre-determined fees
• Orthodontic benefits provided for adults and children
1 Same as a DHMO with fixed member copayments, no annual maximum dollar limits, no waiting periods, no deductibles, no pre-authorization paperwork or pre-treatment estimates and no claim forms or proof of loss (except in the case of out-of-area emergencies). 2 Dominion Dental Services, Inc. Competitive Network Survey, 4th Quarter 2012. Participating dentists are subject to change. 3 Out-of-area emergency care reimbursement requires a receipt or other proof of loss.
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Good News! Your Dental Plan Is EvenBetter Than You ThinkSavings on in-Network providers average 30% of what dentists usually charge!In-network: You receive regular contracted savings,paid at a higher co-insurance level; with no balancebilling.
Out-of-network: Charges will be paid for only upto the maximum fee level established with ourcontracted network dentists; any amount that ischarged over the fee schedule is theresponsibility of the patient.
Split Value PlanExample:
Network vs. Non-Network Savings*Difference in your out-of-pocket expense: $369
Benefits for a Root Canal (on a molar)Network Care Non-Network Care
Average non-network dentist fee: $968Plan Pays: $466**You Pay: $502
*Savings may be greater or less depending on your dentist’s location** Assumes service is covered at a 70% and an 80% co-insurance level for non-network and network care respectively.
More Reasons to Use Network Care• One of the industry’s largest Preferred Provider networks – highly skilled dental professionals at over 128,000
locations.• Network dentists are easy to locate. Simply use the On-Line DentalGuard Provider Directory at
www.GuardianLife.com or call the number on the back of your ID card. If your provider does not participate,Guardian’s convenient dentist referral program can help add them to the network!
• No claim forms to complete. Just present your new DentalGuard Preferred Network ID card to the provider.DentalGuard General Limitations and Exclusions: This policy provides dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnoseor treat dental disease, defect, or injury. Deductibles apply. The plan does not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unlessexpressly provided for), cosmetic or experimental treatments, any treatments to the extent benefits are payable by any other payor or for which no charge is made, prostheticdevices unless certain conditions are met, and services ancillary to surgical treatment, The plan limits 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 Guardianplan documents are the final arbiter of coverage. Contract # GP-1-DG2000 et al.
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Maximum Rollover®Save Your Dental Annual Maximum Dollars For a Time When You Need Them Most!
With Maximum Rollover, Guardian will roll over a portion of your unused annual maximum into your personalMaximum Rollover Account (MRA). The MRA can be used in further years, if you reach the plan’s annualmaximum.To qualify, you must submit a claim for covered services for which a benefit payment is issued, in excess of anydeductible or co-pay, and you must not exceed the paid claims threshold during the benefit year.You and your insured dependents maintain separate MRAs based on your own claim activity. Each MRA may notexceed the MRA limit.You can view your annual MRA statement detailing your account and those of your dependents onwww.GuardianAnytime.com.
PLAN ANNUALMAXIMUM ** THRESHOLD MAXIMUM ROLLOVER
AMOUNTIN-NETWORK ONLY
MAXIMUM ROLLOVERAMOUNT
MAXIMUM ROLLOVERACCOUNT LIMIT
$1000 $500 $250 $350 $1000** If a plan has a different annual maximum for PPO benefits vs. non-PPO benefits, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines theMaximum Rollover plan.
NOTES:Cases on either a calendar year or policy year accumulation basis qualify for the Maximum Rollover feature. Forcalendar year cases with an effective date in October, November or December, the Maximum Rollover featurestarts as of the first full benefit year. For example, if a plan starts in November of 2009, the claim activity in 2010 willbe used and applied to MRAs for use in 2011.Under either benefit year set up (calendar year or policy year), Maximum Rollover for new entrants joining with 3months or less remaining in the benefit year, will not begin until the start of the next full benefit year.Maximum Rollover is deferred for members who have coverage of Major services deferred. For these members,Maximum Rollover starts when coverage of Major services starts, or the start of the next benefit year if 3 months orless remain until the next benefit year.
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Good News! Your Dental Plan Is EvenBetter Than You ThinkSavings on in-Network providers average 30% of what dentists usually charge!In-network: You receive regular contracted savings, and nobalance billing.
Out-of-network: Charges will be paid for only up to themaximum fee level established with our contracted networkdentists; any amount that is charged over the fee schedule isthe responsibility of the patient.
Value PlanExample:
Network vs. Non-Network Savings*Difference in your out-of-pocket expense: $369
Benefits for a Root Canal (on a molar)Network Care Non-Network Care
Average non-network dentist fee: $968Plan Pays: $532**You Pay: $436
*Savings may be greater or less depending on your dentist’s location**Assumes service is covered at an 80% co-insurance level
More Reasons to Use Network Care• One of the industry’s largest Preferred Provider networks – highly skilled dental professionals at over 128,000
locations.• Network dentists are easy to locate. Simply use the On-Line DentalGuard Provider Directory at
www.GuardianLife.com or call the number on the back of your ID card. If your provider does not participate,Guardian’s convenient dentist referral program can help add them to the network!
• No claim forms to complete. Just present your new DentalGuard Preferred Network ID card to the provider.
DentalGuard General Limitations and Exclusions: This policy provides dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnose or treatdental disease, defect, or injury. Deductibles apply. The plan does not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expresslyprovided for), cosmetic or experimental treatments, any treatments to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unlesscertain conditions are met, and services ancillary to surgical treatment, The plan limits benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic, andprosthodontic 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 ofcoverage. Contract # GP-1-DG2000 et al.
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Maximum Rollover®Save Your Dental Annual Maximum Dollars For a Time When You Need Them Most!
With Maximum Rollover, Guardian will roll over a portion of your unused annual maximum into your personalMaximum Rollover Account (MRA). The MRA can be used in further years, if you reach the plan’s annualmaximum.To qualify, you must submit a claim for covered services for which a benefit payment is issued, in excess of anydeductible or co-pay, and you must not exceed the paid claims threshold during the benefit year.You and your insured dependents maintain separate MRAs based on your own claim activity. Each MRA may notexceed the MRA limit.You can view your annual MRA statement detailing your account and those of your dependents onwww.GuardianAnytime.com.
PLAN ANNUALMAXIMUM ** THRESHOLD MAXIMUM ROLLOVER
AMOUNTIN-NETWORK ONLY
MAXIMUM ROLLOVERAMOUNT
MAXIMUM ROLLOVERACCOUNT LIMIT
$2000 $800 $400 $600 $1500** If a plan has a different annual maximum for PPO benefits vs. non-PPO benefits, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines theMaximum Rollover plan.
NOTES:Cases on either a calendar year or policy year accumulation basis qualify for the Maximum Rollover feature. Forcalendar year cases with an effective date in October, November or December, the Maximum Rollover featurestarts as of the first full benefit year. For example, if a plan starts in November of 2009, the claim activity in 2010 willbe used and applied to MRAs for use in 2011.Under either benefit year set up (calendar year or policy year), Maximum Rollover for new entrants joining with 3months or less remaining in the benefit year, will not begin until the start of the next full benefit year.Maximum Rollover is deferred for members who have coverage of Major services deferred. For these members,Maximum Rollover starts when coverage of Major services starts, or the start of the next benefit year if 3 months orless remain until the next benefit year.
How to Look Up DentalGuard Preferred Providers Online
Guardian’s innovative web technology lets you look up a provider right from your computer. Our Find a Provider Search function is simple and easy-to-use. Just follow these steps:
Visit Guardian’s web page at www.GuardianAnytime.com:
• Click on “Find A Provider” at the top of the page
• Click on the box that says “Find a Dentist”
On the next web page, follow these easy steps to search:
• Under “Select Your Dental Plan” Choose PPO
• Under “Search by” select “Search by Location”, “Location & Dentist’s Name”, or “Location & Office Practice Name”.
• Under “Your Location”, enter Zip Code or Street Address information
• Under “Distance” select your mile radius, then “Select your Dental Network” Choose – DentalGuard Preferred Note: You also have the option to include type of Dentist, foreign language spoken, and office status in your search.
• Click “Continue” to view the list of network providers
You can also find a dentist on the go from your smart phone – simply download our app at www.GuardianAnytime.com/mobile.
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Find a Provider
How to Look Up Dominion Plan Providers Online
Guardian’s innovative web technology lets you look up a provider right from your computer. Our Find a Provider Search function is simple and easy-to-use. Just follow these steps:
Visit Guardian’s web page at www.GuardianAnytime.com:
• Click on “Find A Provider” at the top of the page
• Click on the box that says “Find a Dentist”
On the next web page, follow the easy steps to search:
• Under “Select Your Dental Plan” Choose DHMO/Pre-Paid
• Under “Search by” select “Search by Location”, “Location & Dentist’s Name”, or “Location & Office Practice Name”.
• Under “Your Location”, enter Zip Code or Street Address information
• Under “Distance” select you mile radius, then “Select your Dental Network” Choose– Dominion Note: You also have the option to include foreign language spoken and office status in your search.
• Click “Continue” to view the list of network providers
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It’s easy to use your dental benefits. You don’t even need an ID card!
Your Guardian dental benefits are designed to save you money on important treatments to keep you healthy, by making it easy for you to find a network dentist in your area. The best way to save money is to see a dentist in your network.
It’s easy to find a Guardian network dentist:
• Visit www.GuardianAnytime.com and click on Find a Provider.
• Under Dental Plan, choose PPO. Your PPO type is DentalGuard Preferred.
• Follow the easy steps to search.
• You can also find a dentist on the go from your smart phone – simply download our app at www.GuardianAnytime.com/mobile.
You’ll need your Group ID number for your first visit with the dentist. The Group ID number is included in your enrollment material and available from your employer.* Once your plan is activated, you can also view and print an image of your ID card from www.GuardianAnytime.com or through our smart phone app. Use your Group ID number to register.
*Your Group ID Number is located on the front of your enrollment materials and on the top right corner of the enrollment form.
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Guardian AnytimeSM Mobile
Guardian’s network in the palm of your hand. The best way to save money through your dental and vision benefits is to see a provider in your network. Guardian makes it easy to find a dentist or vision provider near you, online or on the go! Plus, you can access your member ID card to present at your visit.
Search on the go!
It’s fast and easy to find a provider from your smart phone through our Guardian Anytime mobile app. It’s easy to download and use! Simply search by location or name.
Visit www.GuardianAnytime.com/mobile.
View/Print your Member ID Card You no longer need to show your dental or vision provider a paper ID card. Simply access an image of your card through Guardian Anytime Mobile and show them at your visit! You can also Find a Provider at our website www.GuardianAnytime.com. Customize your search, get side-by-side comparisons, or create a quick list of “favorite” providers and more!
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ADDITIONAL MATERIALS
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It’s quick and easy to view and print your Guardian ID card!
Simply register for www.GuardianAnytime.com and follow these instructions! Step 1: Log-in and click on the ID card link on your Home page, or choose “Forms and Materials.”
Step 2: Select View/Print next to the card you want to access
Step 3: Choose Open and you can then save or print your ID card
2 Phase I Treatment (D8010 - D8050) is provided at a 15% reduction from the orthodontist’s UCR fees. See exclusion #15 for additional coverage exclusions.