SafeGuard
From LoveToKnow Insurance
The SafeGuard Insurance Company provides dental and vision benefits to its members. This company has been in business since the mid-1970s and services nearly two million customers.
Dental Benefits
At this time, SafeGuard offers three different dental coverage products to their members:
- Prepaid Dental - This plan involves an approved group of dental care providers who are contracted by the company to supply services to the members. Preventative care is covered under this policy, but in many cases emergency dental care is not.
- Scheduled Benefit - Members under this policy do not necessarily need to seek out care from dental professionals within the SafeGuard network of providers. With this plan, an annual reimbursement cutoff is set, and if a member exceeds this amount the company will not approve reimbursement.
- Dental Indemnity - This plan has varying limits on how much the company will pay for dental care visits. Members within this plan have the option of choosing whichever dental professional they would like to utilize, but using a dentist within the approved group of providers will result in a discount.
Vision Benefits
SafeGuard has affiliate eye doctors throughout their service area. Before making an appointment with an eye doctor, members need to make sure that the doctor participates in the SafeGuard Vision Program. Without using an affiliate doctor, a patient will be required to pay all the examination fees and any other fees incurred. One of the most attractive aspects to this arrangement is that members can choose their own eye doctor from within the affiliate network, and they also have the capability of changing doctors as they wish as long as the doctor is a participating provider. This vision insurance covers various costs such as:
- Examination fees
- Glasses
- Contact Lenses
The extent to which these and other items are covered is dependent upon the particular plan a member has with SafeGuard. Emergency vision care coverage varies, as do other aspects of the plan, such as discounts and premiums.
Limited Coverage Areas
SafeGuard is not an international insurance provider, and has limited service areas within the United States. Their main service locations include:
- California
- Florida
- Nevada
- Texas
This company typically provides coverage to people through employers, but there are also plans for members who wish to purchase their own policies out-of-pocket. Individual insurance plans are usually much more costly than group plans, but such plans may be the only option for some as many employers choose not to participate in vision and dental coverage because of the added cost.
SafeGuard Website
The website for this company offers information for both individually covered members and for corporations and small businesses that are looking to get a quote. Individual members can use the website to find out information regarding their allowable benefits, and organizations can use the website to access representatives who can answer any questions.
Additional SafeGuard Offerings
Although this company does not offer healthcare insurance beyond vision and dental, it does offer employers an Employee Assistance Program. This program is paid for by the employer, and makes counseling and other resources available to employees. The program can also include conferences and sessions taught in the workplace for employees as well as a limited Human Resources Department to assist with claim filing and other insurance paperwork.
SafeGuard is a great company for employers to start with when seeking out vision and dental coverage for employees. This company claims to stay abreast of all the current trends within the insurance market, making them a viable resource for employers.
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