Do you have gaps in your insurance?
Upwork users, your world can be turned upside down in an instant.
Guardian Direct® is here to help when the unexpected happens.
Dental plan highlights
Large Network of Dentists. With over 114,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs. And with an in-network dentist, save up to 35% off standard dental rates.
Savings and Protection. Guardian Direct insurance covers cleanings and x-rays, so your premiums virtually pay for themselves. Plus save on costly unexpected dental care like fillings or root canals.
Coverage options. Choose the level right for you and your budget.
Easy claims. No claim forms to submit with an in-network dentist.
Vision plan highlights
Large Network of Eye Doctors. Choose your eye doctor from the largest network of independent doctors.
Savings on Exams. Get an annual WellVision Exam® for just $15.
Savings on Glasses or Contacts. Save on frames, lenses, lens coatings and more. Or opt for contact lenses, if glasses aren't your thing.
Typical annual savings is over $200 per year.*
*Savings are based on national averages on comprehensive eye exams and most commonly purchased frame brand and may vary by VSP plan and purchase selection, average savings determined after benefits are applied. Brands and promotions are subject to change. Source:https://www.vspdirect.com/about-vsp (2018).
Accident plan highlights
Helps with expenses your medical insurance doesn't fully cover such as deductibles, co-pays or co-insurance, and any other out-of-pocket costs
Covers over 25 different injury and treatment categories. Your cash benefit amount will depend on the type of injury you experience, the severity of injury, and the type of treatment you receive
Delivers cash payment directly to you - not to doctors or hospitals
Your cash benefit can be used for any purpose you choose, including medical bills, your mortgage, child care, groceries, and more
Pay your way. Credit or Debit Card, ACH (eCheck), or Check.
Secure. We care about your security. Our secure website guards your security just like banking sites do.
Fast. Instant approval. Get a policy today!
Vision insurance is provided by VSP and billing and premium collection services for such vision insurance are conducted by DTC GLIC, LLC (d/b/a DTC GLIC Insurance Sales, LLC in California). DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America ("Guardian").
Guardian and DTC GLIC, LLC are not affiliated with VSP and Guardian and DTC GLIC, LLC do not assume any responsibility or liability for non-Guardian products or services, including those offered by VSP.
Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides DENTAL insurance only.
Dental provider networks vary by state, by market and by plan type
Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually.
IMPORTANT INFORMATION ABOUT GUARDIAN’S DENTALGUARD INDEMNITY AND DENTALGUARD PREFERRED PPO PLANS
Dental PPO plans provide in-network and out-of-network benefits. Use of an in-network provider may result in reduce out of pocket costs.
Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductibles apply. Waiting periods may also apply for some services
Individual dental plans do not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatment to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment.
Individual dental plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services.
Listed services, exclusions and limitations do not constitute a contract and are a summary only.
IMPORTANT INFORMATION REGARDING DENTAL HMO BENEFITS
Dental HMOs provide Pre-Paid dental benefits through a network of participating general dentists and specialty care dentists. All covered services must be provided by the member’s Primary Care Dentist. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by the Dental DHMO.
Only those services listed in the Dental HMO plan are covered. Certain services are subject to annual or other periodic limitations. Where orthodontic benefits are specifically included, your policy provides for one course of comprehensive treatment per lifetime, per member. Dental HMOs do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date. Listed services, exclusions and limitations do not constitute a contract and are a summary only.
Products Underwritten by Guardian Life Insurance Company of America
DENTAL PPO PLANS Policy Form IP-DEN-16 ET. AL.
DENTAL HMO PLANS
FLORIDA Policy Form IP-1-MDG-DHMO-FL-OFF-17
NEW YORK Policy Form IP-MDG-NY-FP-OFF-17
Products Underwritten by Managed Dental Guard, Inc.
DENTAL HMO PLANS
TEXAS Policy: IP-1-MDG-DHMO-TX-17
Products Underwritten by First Commonwealth Inc. through its Illinois subsidiaries*
DENTAL HMO PLANS
ILLINOIS Policy: IP-FCW-DHMO-IL-17
*First Commonwealth Insurance Company — (IL), First Commonwealth Limited Health Services Corporation — (IL), First Commonwealth of Illinois, Inc.
Individual accident insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Accident Plan are governed by the policy forms approved for use in your state. Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides limited benefits only.
Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually up to age 90.
Accident Individual Policy Form IP- Accident: IP-ACC-16 et. al.
Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers