Dental Insurance
A complete understanding of your dental insurance plan is key to protecting your smile and your wallet.
The dental plan benefits for the 2026 plan year will be provided by Guardian. The plan includes in- and out-of-network benefits, which means you can choose any dentist that you would like. However, you will pay less out of your pocket when you choose a Guardian network dentist. Locate a Guardian network dentist at www.guardianlife.com. The table below summarizes the key features of the dental plan. Please refer to the official plan documents for additional information on coverage and exclusions. The table below summarizes the key in-network features of the dental plans. The coinsurance amounts listed reflect the amount you pay for services. Please refer to the official plan documents for additional information on coverage and exclusions.
Did You Know? A visit to the dentist is about more than just a teeth cleaning. By looking in your mouth, your dentist can tell a lot about your overall health. In fact, he or she may be able to identify early signs of disease, such as diabetes, heart disease, kidney disease, and even some forms of cancer, before you even notice symptoms.
Plan Benefits
In-Network
Out-Of-Network
Calendar Year Deductible (Individual | Family)
$50 | $150
$50 | $150
$2,500
$2,500
Annual Maximum Coverage
Preventive Care (Exam and X-rays)
Plan Pays 100%
Plan Pays 100%
Plan Pays 80% Plan Pays 50%
Plan Pays 80% Plan Pays 50%
Basic Services (Fillings, Simple Extractions) Major Services (Crowns, Bridges, Dentures) Orthodontia Under 26 Dependent Age Limit
Plan Pays 50% up to $1,000
Plan Pays 50% up to $1,000
26Years $900 $450 $1,500
26Years
$900 $450
Rollover Threshold Rollover Amount
Rollover Account Limit $1,500 NOTE: Your on-line account will be set up within 30 days after your effective date.
Guardian’s Innovative Dental Maximum Rollover WithMaximumRollover, DentalGuardmembers can havea portion of their unusedannual maximum rolled over into their personal Maximum Rollover Account (MRA). This MRA can be utilized in future years if a member reaches theplan'sannualmaximum.Ifamember exclusively usespreferred providersduring the benefit year, the amount credited to their MRA increases. To be eligible for this increase, a member must have a paid claim (not just a visit) and must not exceed the paid claims threshold during the benefit year. It's important to note that each member's MRAcannot exceed the MRAlimit. Both the employee and insured dependents maintainseparateMRAsbasedontheirindividualclaimactivity. AnnualMRAstatementscan be viewed online at www.GuardianAnytime.com or call (888) 600-1600. 11
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