LoveToKnow Insurance:AllComments

From LoveToKnow Insurance

Comments

Jared, you are right; discount dental plans can be a good alternative for people who cannot obtain full coverage dental insurance. Thank you for your comment.

-- Contributed by: Tamsen Butler

One great thing about guardian dental is the large network of dentists they have. We opted to go with a discount dental card instead, but seriously considered dental insurance.

-- Contributed by: Jared B.

Patty, you may want to ask your husband to speak to his HR department and obtain a full description of the benefits since this can vary from one employer to another. You may also contact Guardian directly: (212) 598-8000.

-- Contributed by: Tamsen Butler

My husbands company is offering your coverage, what is included in the family dental plan?

-- Contributed by: patty

FJ,

If you haven't already, I suggest that you send certified letters to both companies, explaining the issue. I suggest that you also copy the insurance commissioners of both Washington and Iowa as well as your employer.

-- Contributed by: SusanWeber

I have contacted both the Guardian Group Dental Claims in Spokane, WA (800-541-7846) and Assurant Employee Benefits in Clinton, IA (800-442-7742) only to be told that I need to contact the other. Each company has denied any knowledge of the claim or the manner in which it was processed. I have exhausted my patience in this matter and hopefully will not submit any further claim on my Guardian Group Dental coverage.

-- Contributed by: FJ Brocklebank

LoveToKnow is an information-only site and is not affiliated with any other company. To obtain answers about insurance issues you need to contact your insurance company directly. I suggest that you contact Guardian and ask if your claims were passed on to Assurant. The phone number for Guardian customer service is on your policy and on your claim forms or you can obtain the phone number from your employer.

-- Contributed by: SusanWeber

What is "probably the case"? You have not replied to my question. Is someone at Guardian resubmitting my claims to Assurant?

-- Contributed by: fj brocklebank

This is probably the case, although you can probably contact either Guardian or Assurant for confirmation.

-- Contributed by: Tamsen Butler

Thanks for your response. I have confirmed and re-confirmed with my employer that it has NO association with Assurant, yet on two separate occasions (after having filed my claims with Guardian) I received notification from Assurant that the charges "were incurred after the patient's termination date of coverage". During my entire career, my employers have NEVER provided dental (or any other) coverage by Assurant. I am, therefore, led to believe that Guardian passed my claims on to Assurant for processing - how else would Assurant be involved in this scenario?

-- Contributed by: FJ Brocklebank

Assurant Employee Benefits is an organization that manages employee benefits for companies. The dental insurance company associated with Assurant depends on the company. Contact your HR department to clarify what dental insurance company is associated with your employer.

-- Contributed by: Tamsen Butler

Please advise what connection Guardian Dental Calims Department has with Assurant Employee Benefits?

-- Contributed by: fj brocklebank

Donna, thank you for sharing your experiences.

-- Contributed by: Tamsen Butler

I WENT TO THE DENTIST TODAY AND THEY TELL ME THEY WILL ONLY COVER 40.00 ON MY BILL.I NEED A NEW UPPER DENTURE BECAUSE MINE HAS A HOLE IN IT.THIS GROUP DOES NOT HAVE ORTHODONTIC COVERAGE,AND IT HAS TO BE AT LEAST 10 YEARS OLD.I HAD THIS ONE FOR FIVE. I HAD THIS INSURANCE FOR FOUR YEARS AND NEVER USED UNTIL NOW. VERY CRAMPY INSURANCE,NOW ALL OF US ARE GOING TO CANCEL IT AT WORK!!!!!!!

-- Contributed by: DONNA

Cheryl, contact Guardian directly for questions regarding coverage. Thank you for your comment.

-- Contributed by: Tamsen Butler

Why wont guardian dental insurance cover the "perio-protect" procedure? Perio-protect is FDA and ADA approved and is a fraction of what it costs to have other periodontal treatments. In addition it is painless and has AMAZING results. The main reason i decided to get the guardian dental insurance where i work was because the basic plus plan stated it will cover 90% of periodontal treatments/surgeries. I found out through my dentist that perio-protect IS NOT covered through guardian. I plan to drop the insurance in July.

-- Contributed by: Cheryl

Julie, you will want to contact Guardian directly: (866) 425-4542

-- Contributed by: Tamsen Butler

Please have someone call me on my cell. I have some question on how to apply for Dental insurance & the coverage. Please call ASAP i am in need as we speak!

-- Contributed by: Julie Stanoyevitch

Steven,

You can reach Guardian by calling 866-425-4542. Thanks for your question.

-- Contributed by: SusanWeber

I am looking for a phone number so I can discuss new dental insurance (or plans) with Guardian. I am retired. Currently, I am in the Enhanced Tricare Retiree Dental Program through Delta Dental, but am not satisfied with them.

-- Contributed by: Steven Clevenger

Sharnell,

Be sure to inform your employer that your dental benefit through Guardian is not a benefit to you since there are no dentists in your state. It is possible that Guardian can recommend a dentist in your state who they may be willing to work with through your coverage. You can start your inquiry by calling Guardian's customer service. If they are not able to refer a nearby dentist under your coverage, have your employer write a letter to Guardian for you.

Thank you for your comment.

-- Contributed by: SusanWeber

My company changed to Guardian. If I want to use my dental coverage, I need to travel to the next state. There are no dentists that take Guardian near me. I am not happy with this insurance change.

-- Contributed by: Sharnell

Yolanda,

You can search for a Guardian provider on their website or you can contact a Guardian office and speak directly with one of their representatives. The office addresses are available on the Guardian website. The contact information for your local office will also be listed on the policy information you received when you first set up your dental insurance policy.

Thank you for your question and for visiting LoveToKnow insurance.

-- Contributed by: SusanWeber

Since I never received a Insurance card for the dental insurance I carry with Guardian, I am unable to find a provider. No one in San Antonio, Tx or El paso, tx has ever heard of this group and since I never recieved a group number am lost? Can you please help me with this?

-- Contributed by: Yolanda Walker

Beverly,

LoveToKnow Insurance provides general information about insurance companies such as Guardian; but, we are not able to provide you with specific information about the types of policies and coverage offered. You should contact Guardian directly for detailed information. There is a link in the Guardian Dental Insurance article which will help you find a sales person to give you the information you need.

Thank you for your comment and for visiting LoveToKnow Insurance.

-- Contributed by: SusanWeber

Ford is dropping dental insurance for retire's what would Guardian offer for My Husband and I,

-- Contributed by: Beverly

Hi Sheila, We provide basic information about Guardian, but we cannot answer specific questions about your policy or coverage. Your enrollment packet should have phone numbers to contact them so you can find out exactly the difference in cost between in and out of network orthodontia. In addition, they can tell you their standards for reasonable distances to go to an in-network provider. You might also see if a closer orthodontist is willing to apply to Guardian to join their network.

-- Contributed by: Ann M.

MY HUSBAND HAS GUARDIAN INSURANCE THROUGH HIS EMPLOYER FOR THE ENTIRE FAMILY, AND WE JUST FOUND OUT THAT OUR SON NEEDS BRACES. WE WOULD LIKE TO INQUIRE ON HOW MUCH OUT OF POCKET EXPENSE THIS WILL BE FOR US IF WE USE AN ORTHODONTIST IN OUR NETWORK. WHAT KIND OF DIFFERENCE ARE WE TALKING ABOUT USING AN OUT OF NETWORK ORTHODONTIST? OUR NETWORK PROVIDERS ARE AT LEAST TWO HOURS AWAY, AND THIS IS PRETTY UNREASONABLE FOR GUARDIAN TO EXPECT SOMEONE TO DRIVE THAT FAR FOR USE OF INSURANCE THAT WE PAY FOR. PLEASE CONTACT US AND LET US KNOW WHAT WE CAN DO, AND HELP US WITH THE QUESTIONS ABOVE.

THANK YOU

-- Contributed by: SHEILA FREDRICKS

I live in Fort Myers, FL and would like to know the amounts you pay for routine dental services in this area. Also, would like to know the % coverage on major dental work. Thanks

-- Contributed by: Mark Leete
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