DENTAL INSURANCE MAXIMUM ROLLOVER
2017-42998 (07/19)
Company Name • 2024-2025 Benefits Guide
DENTAL INSURANCE MAXIMUM ROLLOVER
2017-42998 (07/19)
DENTAL INSURANCE MAXIMUM ROLLOVER
2017-42998 (07/19)
DENTAL INSURANCE MAXIMUM ROLLOVER
2017-42998 (07/19)
HOW MAXIMUM ROLLOVER WORKS: $2,000 ANNUAL EXAMPLE (ENHANCED PLAN ONLY) Depending on the plan’s annual maximum, if claims dollars for the year don’t exceed a certain threshold, the set Maximum Rollover Amount (pre-determined based on the annual maximum) can be rolled over. How Maximum Rollover Works: $2,000 Annual Example
Plan Annual Maximum* Depending on the plan’s annual maximum, if claims dollars for the year don’t exceed a certain threshold, the set Maximum Rollover Amount (pre-determined based on the annual maximum) can be rolled over. Threshold Maximum Rollover Amount In-Network Only Rollover Amount Maximum Claims Reimbursement PLAN ANNUAL MAXIMUM* The connection between oral and overall wellness is clear. Visiting the dentist regularly can help prevent and detect early stages of many diseases and conditions. Help your clients promote good oral care with Guardian’s Maximum Rollover Oral Health Rewards Program – a unique tool that encourages and rewards members who visit the dentist. The connection between oral and overall wellness is clear. Visiting the dentist regularly can help prevent and detect early stages of many diseases and conditions. Help your clients promote good oral care with Guardian’s Maximum Rollover Oral Health Rewards Program – a unique tool that encourages and rewards members who visit the dentist. $2,000 $800 $400 $600 GUARDIAN’S ORAL HEALTH REWARDS PROGRAM Help Encourage Good Oral Care GUARDIAN’S ORAL HEALTH REWARDS PROGRAM Help Encourage Good Oral Care GUARDIAN’S ORAL HEALTH REWARDS PROGRAM Help Encourage Good Oral Care
Enhanced Plan
$1,500
Claims amount that determines rollover eligibility The connection between oral and overall wellness is clear. Visiting the dentist regularly can help prevent and detect early stages of many diseases and conditions. Help your clients promote good oral care with Guardian’s Maximum Rollover Oral Health Rewards Program – a unique tool that encourages and rewards members who visit the dentist. Additional dollars added to Plan Annual Maximum for future years $600 Additional dollars added to Plan Annual Maximum for future years if only in-network providers were used during the benefit year $1,500 THRESHOLD MAXIMUM ROLLOVER AMOUNT IN-NETWORK ONLY ROLLOVER AMOUNT MAXIMUM ROLLOVER ACCOUNT LIMIT $2,000 $800 $400
The Maximum Rollover Account cannot exceed $1,500
Additional dollars added to Plan Annual Maximum for future years if only in-network providers were used during the benefit year
Additional dollars added to Plan Annual Maximum for future years
Claims amount that determines rollover eligibility
The Maximum Rollover Account cannot exceed $1,500
Maximum Claims Reimbursement
SAMPLE PLAN: $2,000 ANNUAL MAXIMUM HELPING EMPLOYEES MAINTAIN GOOD HEALTH • Members simply submit a claim without exceeding the paid claims threshold during the benefit year. • Guardian will reward them by rolling over a portion of their unused annual dental maximum into their own personal Maximum Rollover Account (MRA) for future use. • The reward can be used to supplement dental care costs in the future beyond the plan’s normal annual maximum. • Plus! If they use the services of in-network dentists exclusively during the benefit year, we’ll increase the amount credited to the MRA! HELPING EMPLOYEES MAINTAIN GOOD HEALTH • Members simply submit a claim without exceeding the paid claims threshold during the benefit year. • Guardian will reward them by rolling over a portion of their unused annual dental maximum into their own personal Maximum Rollover Account (MRA) for future use. • The reward can be used to supplement dental care costs in the future beyond the plan’s normal annual maximum. • Plus! If they use the services of in-network dentists exclusively during the benefit year, we’ll increase the amount credited to the MRA! • Guardian will reward them by rolling over a portion of their unused annual dental maximum into their own personal Maximum Rollover Account (MRA) for future use. • The reward can be used to supplement dental care costs in the future beyond the plan’s normal annual maximum. • Plus! If they use the services of in-network dentists exclusively during the benefit year, we’ll increase the amount credited to the MRA! HELPING EMPLOYEES MAINTAIN GOOD HEALTH • Members simply submit a claim without exceeding the paid claims threshold during the benefit year.
YEAR ONE: Jane starts with a $2,000 Plan Annual Maximum. She submits $150 in dental claims. Since she did not exceed the $800 Threshold, she receives a $400 rollover that will be applied to Year Two. YEAR TWO: Jane now has an increased Plan Annual Maximum of $2,400. This year, she submits $400 in claims and receives an additional $400 rollover added to her Plan Annual Maximum. YEAR THREE: Jane now has an increased Plan Annual Maximum of $2,800. This year, she submits $2,700 in claims. All claims are paid due to the Maximum Rollover Amount accumulated YEAR FOUR: Jane’s Plan Annual Maximum is $2,100 ($2,000 Plan Annual Maximum + $100 remaining Maximum Rollover Amount accumulated) SAMPLE PLAN: $2,000 ANNUAL MAXIMUM YEAR ONE: Jane starts with a $2,000 Plan Annual Maximum. She submits $150 in dental claims. Since she did not exceed the $800 Threshold, she receives a $400 rollover that will be applied to Year Two. YEAR TWO: Jane now has an increased Plan Annual Maximum of $2,400. This year, she submits $400 in claims and receives an additional $400 rollover added to her Plan Annual Maximum. YEAR THREE: Jane now has an increased Plan Annual Maximum of $2,800. This year, she submits $2,700 in claims. All claims are paid due to the Maximum Rollover Amount accumulated. YEAR FOUR: Jane’s Plan Annual Maximum is $2,100 ($2,000 Plan Annual Maximum + $100 remaining Maximum Rollover Amount accumulated). HOW MAXIMUM ROLLOVER WORKS HOW MAXIMUM ROLLOVER WORKS HOW MAXIMUM ROLLOVER WORKS
Guardian will roll over a portion of the unused annual dental maximum into a personal Maximum Rollover Account, which can be used in future years if the plan’s annual maximum is reached. As an added advantage, more money is rolled over if in- network dentists are used exclusively during the benefit year.
Guardian will roll over a portion of the unused annual dental maximum into a personal Maximum Rollover Account, which can be used in future years if the plan’s annual maximum is reached. As an added advantage, more money is rolled over if in- network dentists are used exclusively during the benefit year.
Guardian will roll over a portion of the unused annual dental maximum into a personal Maximum Rollover Account, which can be used in future years if the plan’s annual maximum is reached. As an added advantage, more money is rolled over if in- network dentists are used exclusively during the benefit year.
+ $400
- $700
PRACTICE GOOD ORAL HEALTH
PRACTICE GOOD ORAL HEALTH
$800
+ $400 PRACTICE GOOD ORAL HEALTH
$400
$100
$2,000
$2,000
$2,000
$2,000
YEAR 1 ROLLOVER DENTAL FUNDS FOR THE FUTURE
YEAR 2
YEAR 3 VISIT THE DENTIST
YEAR 4
VISIT THE DENTIST
ROLLOVER DENTAL FUNDS FOR THE FUTURE
VISIT THE DENTIST
ROLLOVER DENTAL FUNDS FOR THE FUTURE
ANNUAL MAX
ROLLOVER BALANCE
CONTACT YOUR GUARDIAN GROUP SALES REPRESENTATIVE FOR MORE INFORMATION. CONTACT YOUR GUARDIAN GROUP SALES REPRESENTATIVE FOR MORE INFORMATION. CONTACT YOUR GUARDIAN GROUP SALES REPRESENTATIVE FOR MORE INFORMATION. CONTACT YOUR GUARDIAN GROUP SALES REPRESENTATIVE FOR MORE INFORMATION.
CONTACT YOUR GUARDIAN GROUP SALES REPRESENTATIVE FOR MORE INFORMATION.
WWW.GUARDIANANYTIME.COM WWW.GUARDIANANYTIME.COM
WWW.GUARDIANANYTIME.COM
* 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. May not be available in all states. Guardian's Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Information provided in this communication is for informational purposes only. Dental Policy Form # GP-1-DEN-16. WWW.GUARDIANANYTIME.COM WWW.GUARDIANANYTIME.COM
The Guardian Life Insurance Company of America ® (Guardian). May not be available in all states. Guardian's Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Information provided in this communication is for informational purposes only. Dental Policy Form # GP-1-DEN-16.
The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004-4025 www.guardiananytime.com
The Guardian Life Insurance Company of America ® (Guardian). May not be available in all states. Guardian's Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Information provided in this communication is for informational purposes only. Dental Policy Form # GP-1-DEN-16. The Guardian Life Insurance Company of America ® (Guardian). May not be available in all states. Guardian's Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Information provided in this communication is for informational purposes only. Dental Policy Form # GP-1-DEN-16.
The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004-4025 www.guardiananytime.com
The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004-4025 www.guardiananytime.com
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