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Do you have gaps in your insurance?

Hello, members, partners and friends of The Latino Coalition (TLC)!

Guardian Direct® is here to help when the unexpected happens

Dental

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  • Large Network of Dentists.  With over 100,000 dentists in the Guardian network, it can be 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 can virtually pay for themselves. Plus save on costly unexpected dental care like fillings or root canals.

  • Easy.  No need for you to submit a claim form when using an in-network provider.

  • Guaranteed Acceptance.  Instant approval. Get a policy today!

 

2020-92663 (1/22)

Critical illness

Shop Critical Illness

  • 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
  • Receive a lump sum cash payment when you are diagnosed with a critical illness - no need for you to submit individual claims for each treatment

  • 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, travel to treatment centers, household expenses, experimental treatments, and more

Accident

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  • 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

 

 

Why Guardian Direct

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Flexible Payment Options.

Pay by Credit or Debit Card, ACH (eCheck), or Personal Check. Monthly, quarterly, or annual billing.

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Secure

We care about your security. Our secure website guards your security just like banking sites do.

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Fast

Instant decision. Get a policy in under 5 minutes!

 

Dental

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.

 

Critical Illness

Individual Critical Illness 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 Critical Illness 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 75.

Critical Illness Individual Policy Form IP-CI-16 et. al. 

 

Accident

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

 

Guardian Direct plans are underwritten and issued by The Guardian Life Insurance Company of America New York, N.Y. or its subsidiaries. Products are not available in all states. Policy limitations and exclusions apply. 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. ©Copyright 2020 The Guardian Life Insurance Company of America. GUARDIAN® and the Guardian Logo® are registered trademarks of The Guardian Life Insurance Company of America.