Under Health Care Reform (HCR), pediatric oral (Dental) coverage is one of the essential health care benefits employers must provide to their employees. So one of the first decisions plan sponsors need to make about benefits is whether to rely on limited Dental coverage via their health insurer, or keep it with a separate Dental carrier.
The national average cost of attending a four-year public college is more than $28,000 per year, and more than $59,000 for a private college*. Given these costs and future projections, the need for financial assistance has become increasingly important. As part of its commitment to help customers attain financial confidence, The Guardian Life Insurance Company of America® (Guardian) announced the launch of the College Tuition Benefit®, a value-added benefit that helps Guardian Dental members pay for college.
Workplace benefits are generally valued by employees, but only 1 in 5 place “High Value” on their benefits. The new Guardian Employee Satisfaction infographic is a resource that you can use to help clients better understand the key drivers of benefits satisfaction — which is important because it can lead to greater employee productivity.
Give your clients a new way to look at benefits The Guardian Benefits Value Tool is an innovative online resource for employers that measures how employee benefits are valued by your clients. It can help your clients understand and reexamine their benefits offering, and shows them how their approach to benefits compares with companies their size and what this can mean to the their benefits program in the future.
To view a printable version of the above flyer, click here.For questions, please contact member of your b&p Sales Team - 888.722.3373.
Guardian has announced rate adjustments for September 1, 2014. The new rates will be in effect through February 28, 2015. There were not any region, SIC or participation changes. The rating changes include: All Plans and Group Sizes using a sample Walnut Creek zip code and 90th UCR:The EE, ES & EC rates had minimal changes.
To view the printable version, click here.For questions, please contact a member of your b&p Sales Team - 888.722.3373.
Guardian is pleased to announce their intent to acquire Premier Access Insurance Company and its affiliated companies,subject to applicable regulatory approval. Premier Access is a recognized provider of dental coverage and care to employers and individuals in the western United States.This good news underscores Guardian’s commitment to investing in their leading dental products and services.
Tax credits can help your clients save when they “SHOP”One of the biggest impacts that the Affordable Care Act (ACA) has on small group benefits is the introduction of the Small Business Health Options (SHOP) exchange for groups with 50 or less employees.Your clients may opt to purchase benefits on the exchange in order to receive tax credits available for small businesses with fewer than 25 employees and average wages of $50k or less.
Guardian announced new rates effective April 1, 2014. There were no benefit, underwriting, region or SIC changes, while actual rate changes varied by plan, region, group size and dependent status.Quoting is now available for April 1 and beyond in bpquote.Please contact any member of your b&p Sales Team for assistance with quote requests and questions regarding Guardian's new rates - 888.
While in most states the pediatric oral care EHB can be provided through a stand-alone dental plan, employers may choose to have their medical plan provide all of their Essential Health Benefits. The benefits and network offered may vary by carrier and by state and some may be more comprehensive than others.
Guardian has been working with many of their brokers and customers who have chosen to renew their medical plans early and want their dental plan to have the same anniversary. Guardian is pleased to announce that they have extended the deadline for these early renewals for groups with 50 or fewer employees until November 11, 2013.
This October, Guardian will begin sending your small group clients their 2014 dental plan renewals. As you know, plans with 50 lives or less will need to include the pediatric oral care Essential Health Benefit (EHB) under the Affordable Care Act (ACA). Your clients will be able to choose the ACA-compliant option that works best for them.
The world of employee benefits continues to change, especially as we approach 2014 and the implementation of several important Affordable Care Act provisions. Whether it be the introduction of Essential Health Benefits, which impacts dental plans, or the launch of the new online public exchanges that will change the way many employers and individuals purchase benefits, Guardian is here is to help you through this historic period of change.
September 2013 Dental Rates Guardian announced new dental rates effective September 1, 2013. There were no benefit, underwriting, region or SIC changes, while actual rate changes varied by plan, region, group size and dependent status. Quoting is now available for September 1, 2013 & beyond in bpquote. Please contact any member of your b&p Sales Team for assistance with quote requests and questions regarding Guardian's new dental rates - 888.
Learn how the Affordable Care Act will impact dental care. Watch the videos from a recent roundtable discussion by leading experts in the fields of benefits, HR and specialty markets as they discuss: How dental benefits are defined by the Affordable Care Act Pediatric dental benefits as a key factor New opportunities for brokers This series of videos includes insights and perspectives from a panel of insiders, sponsored by Guardian and hosted by Elliot Kass, Contributing Editor, Employee Benefit Adviser.
Your clients have a lot of new decisions to make about their benefits. But they don’t have to give up the Guardian dental plans that work so well for their employees. Renewal options to meet client needs. Some medical carriers are offering an early renewal to help their customers control costs and have more time to make decisions on the law’s mandates.
Click here for a printable version.
Guardian is pleased to announce that they have been recognized by the readers of Benefits Selling magazine as one of the best dental carriers. This is the third time in the last four years that Guardian has earned this recognition. Benefit Selling's readership of 55,000 benefits brokers voted Guardian as one of the "carriers that offers the best dental coverage" in the 2012 Readers' Choice Awards.
In 2012, Guardian was hard at work continuing to strengthen their dental network. The result? Guardian’s network grew over 12% between January 1, 2012 and January 1, 2013. They added 9,940 unique dentists at 18,751 locations, making it one of the largest PPO networks in the country with over 88,500 dentists at more than 200,000 locations.
|Employer Forms||Revision Date||Start Date||End Date|
|Actively At Work Statement||01/05/2018||01/05/2018|
|Employee Census List, All Lines||07/23/2015||07/23/2015|
|Employee Census List, Dental||07/23/2015||07/23/2015|
|Employer Addtl Info Questionnaire (AIQ)||08/16/2018||08/16/2018|
|Employer App, PPO Dental Only||07/02/2012||07/02/2012|
|Employer Automatic Premium Withdrawl||03/01/2012||03/01/2012|
|Guardian Anytime Registration||07/01/2020||07/01/2020|
|Employee Forms||Revision Date||Start Date||End Date|
|Beneficiary Designation/Change Form||05/01/2014||05/01/2014|
|Employee App & Change Form, PPO Dental Only||07/10/2013||07/10/2013|
|Employee Loss of Coverage Form||03/17/2012||03/17/2012|
|Dental||Revision Date||Start Date||End Date|
|Guardian Choice PPO Plan J1, 80th UCR, No Ortho||08/30/2012||08/30/2012|
|Guardian Choice PPO Plan J1, 80th UCR, With Ortho||08/30/2012||08/30/2012|
|Guardian Choice PPO Plan J1, 90th UCR, No Ortho||08/30/2012||08/30/2012|
|Guardian Choice PPO Plan J1, 90th UCR, With Ortho||08/30/2012||08/30/2012|
|NAP PPO Plan PX, 80th UCR, No Ortho||08/30/2012||08/30/2012|
|NAP PPO Plan PX, 80th UCR, With Ortho||08/30/2012||08/30/2012|
|NAP PPO Plan PX, 90th UCR, No Ortho||08/30/2012||08/30/2012|
|NAP PPO Plan PX, 90th UCR, With Ortho||08/30/2012||08/30/2012|
|PPO Plan VD, 80th UCR, No Ortho||08/30/2012||08/30/2012|
|PPO Plan VD, 80th UCR, With Ortho||08/30/2012||08/30/2012|
|PPO Plan VD, 90th UCR, No Ortho||08/30/2012||08/30/2012|
|PPO Plan VD, 90th UCR, With Ortho||08/30/2012||08/30/2012|
|PPO Plan WD, 80th UCR, No Ortho||08/30/2012||08/30/2012|
|PPO Plan WD, 80th UCR, With Ortho||08/30/2012||08/30/2012|
|PPO Plan WD, 90th UCR, No Ortho||08/30/2012||08/30/2012|
|PPO Plan WD, 90th UCR, With Ortho||08/30/2012||08/30/2012|
|Split Max PPO Plan QD, 80th UCR, No Ortho||08/30/2012||08/30/2012|
|Split Max PPO Plan QD, 80th UCR, With Ortho||08/30/2012||08/30/2012|
|Split Max PPO Plan QD, 90th UCR, No Ortho||08/30/2012||08/30/2012|
|Split Max PPO Plan QD, 90th UCR, With Ortho||08/30/2012||08/30/2012|
|Value PPO Plan VZ, Fee Schedule, No Ortho||08/30/2012||08/30/2012|
|Value PPO Plan VZ, Fee Schedule, With Ortho||08/30/2012||08/30/2012|
|2020 Special Producer Compensation||1/1/20 - 12/31/20|