FAQ Top General Questions | Guardian Direct

All General FAQs

When can I start using my plan?

What are my options for making premium payments?

When are my recurring (monthly or quarterly) premium payments due?

How can I change my billing preferences?

Is there a payment grace period?

When is my initial premium payment due?

What is my member ID number and where can I locate it?

Can I add dependents to my plan at any time?

When can I change my plan type?

Will I receive an ID card?

How can I be sure that my credit card or banking information is safe?

I just got married! Can I add my spouse to my policy?

What is a benefit period?

What personal information can I update online?

Up to what age can I have my dependent children on my policy?

Are there any restrictions on how I spend my money from a claim?

What do the terms deductible and annual maximum mean? Does my plan have them?

What is a waiting period?

What is an “Explanation of Benefits (EOB)”?

What is a benefit year maximum?

What is a deductible?

How does the lump sum cash benefit work?

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