Guardian Helps Business Owners Reduce Dental Insurance Costs

Thursday, March 25, 2010 Dental News
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NEW YORK, March 24 At a time when healthcare costs continue to outpace inflation and business owners are looking for ways to not only reduce expenses, but also increase value, The Guardian Life Insurance Company of America (Guardian) has developed new annual maximum dental options that are designed to help business owners stretch their dental dollars and make dental benefits available to more employees.

The company, which is a leading employee benefits provider with one of the largest PPO dental networks in the U.S., now offers a new assortment of lower Maximum Rollover schedules, providing a wider range of plan types for companies to choose. Cost conscious employers can now pick from nine lower-cost designs with Maximum Rollover amounts and limits that are 50 percent less than the original plans.

Guardian was a pioneer in the development of these increasingly popular dental benefits that allow members to keep a portion of their unused annual maximum for future use. In 2009, the company rolled over $380 million into its members' Maximum Rollover Accounts - funds they can now use for future dental care. Traditionally, members had to use or lose their dental benefits at the end of each year. Maximum rollover plans enable employees to save unused benefits for more costly procedures in the future. But employees have to use their dental plans during the year to qualify for the rollover.

"Our selection of Maximum Rollover plans are designed to encourage the in-network use of dental benefits and maintain oral health," said Richard Goren, DDS and 2nd vice president, Group Dental, Guardian. "We don't want employees to forego dental care in an attempt to rollover the most benefit dollars. Preventative treatments with in-network dentists are important and help keep the long-term cost of dental care under control. This makes dental care accessible to more people."

Guardian's Maximum Rollover plans give employees an extra incentive to seek in-network services. Members will rollover a larger amount if they exclusively use Guardian preferred providers during the year. Additionally, the program rewards long-term employees by allowing unused account balances to accumulate over time. The longer employees stay with the network plan, the more they can accumulate for future dental care.

"Guardian is recognized as a leader in the dental insurance and employee benefits industry and it isn't enough for us to just offer what competitors have," said Chris Swanker, vice president, Group Dental, Guardian. "We've set the bar very high for ourselves. Brokers, planholders and members have come to expect more from us. Guardian's commitment to quality, value, flexibility and choice is an important reason that we expanded the number of Maximum Rollover options and continue to offer one of the widest selections of dental plans. Employers like our dental plans because we empower them to create the best benefits package available at their desired price-point. Brokers like our dental Maximum Rollover plans because they reward long-term clients and encourage retention at a time when employers are focused on savings and value. "

About Guardian

A mutual insurer founded in 1860, The Guardian Life Insurance Company of America and its subsidiaries are committed to protecting individuals, business owners and their employees with life, long-term care, disability income, group medical and dental insurance products, and offer 401(k), annuities and other financial products. Guardian operates one of the largest dental networks in the United States, and protects more than six million employees and their families at 120,000 companies. The company has more than 5,400 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.

For more information about Guardian, please visit:

SOURCE The Guardian Life Insurance Company of America

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