Guardian Life Insurance Company
Enriching the lives of people we touch.
About Guardian Life
Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is the fourth largest mutual life insurance company in the United States. As of December 31, 2004, Guardian and its subsidiaries had $39.5 billion in assets. With more than 5,000 employees and 2,900 financial representatives, as well as over 80 agencies nationwide, Guardian and its subsidiaries protect individuals, businesses and their employees with life, disability, health and dental insurance products, and offer 401(k), financial products and trust services.
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Guardian Medical Benefits
Medical benefits, or health insurance, are among the most valuable of employee benefits options, providing significant support for and protection against potentially big financial expenses.
Medical coverage is one of the most important benefits your employer can provide. Through Guardian, your employer may offer an HMO plan, point-of-service (POS) plan, preferred provider (PPO) plan, indemnity coverage, or a combination of these. In addition, you and your employer may reap the benefits of our cost saving programs, including NurseLine, Nurse Outreach, Lab Discounts and Coverage Management.
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Guardian Dental Benefits
Through our DentalGuard insurance products, you and your family will receive comprehensive and flexible dental coverage. DentalGuard traditional indemnity plans offer you the option to visit any dentist or specialist when you need care. DentalGuard Preferred PPO combines the freedom of a traditional dental plan with the economy of managed care. With the PPO plan, you and your family can visit any dentist or specialist you choose or a high-quality DentalGuard Preferred network dentist, any time you need care. If you do visit a network provider, you'll receive the highest level of benefits and save on out-of-pocket costs. Best of all, our DentalGuard Preferred PPO features one of the industry's most extensive nationwide dental networks with over 70,000 provider locations.
After any applicable deductible, our indemnity and PPO plans pay a generous percentage of dental expense up to an annual maximum. Guardian also offers pre-paid dental health maintenance organization (DHMO) plans in certain geographical regions.
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