Guardian offers affordable dental insurance plans that cover a range of dental services. Replacement of a lost, missing or stolen dental appliance or prosthesis.Services performed on teeth with a poor prognosis.Cosmetic procedures like teeth whitening.Treatment for job-related injuries (these are usually covered under workers compensation).Like all insurance companies, there are limits to what Guardian will cover. The Bronze Plan pays a maximum of $500 during your 1st year, up to $750 during your 2nd year and up to $1,000 during and after your 3rd year with Guardian. Dental implants have a lifetime maximum of $700. The Silver Plan pays a maximum of $500 during your 1st year, up to $750 during your 2nd year and up to $1,000 your 3rd year and after. Orthodontia has an annual maximum of $500 and a lifetime maximum of $1,000. Implants have a lifetime maximum of $1,000. After that, the maximum payout is $1,500. With the Gold Plan, during your 1st year, it pays a maximum of $1,000. This is the most Guardian will pay in a year. Guardian, like most dental plans, also has a maximum payout. All other services have a $50 deductible. For example, all 3 plans have a $0 deductible for preventive care received from an in-network dentist. It’s also the least expensive.Įach plan has a deductible, which is the amount you’re required to pay before Guardian starts paying. Basic care at 50% with a 6-month waiting period.Preventive care at 80% with no waiting period.Orthodontia at 50% with a 12-month waiting period.Implants at 50% with a 12-month waiting period.Major care at 50% with a 12-month waiting period.
Basic care at 70% with a 6-month waiting period.Preventive care at 100% with no waiting period.Gold offers the most comprehensive coverage.Each has different benefits and coinsurance. Guardian offers 3 plans to the general public. Major care, such as bridges, dentures, crowns, complex extractions and oral surgery.Basic care, including fillings and simple extractions.Preventive care like oral exams, cleanings, fluoride treatments, sealants and x-rays.Guardian Dental Insurance plans cover several types of dental care, including: Guardian also offers plans with orthodontic care (braces) and regular, preventive service for families. While everyone should consider dental insurance, Guardian’s affordable plans are especially good for young adults who might have a limited budget and limited dental care needs. Guardian also offers teledentistry, so you can consult with a dentist from home if you’re experiencing issues. HMOs may not pay if you see an out-of-network dentist. Guardian also offers HMOs through employers. The plans that Guardian sells directly are PPOs, which means you can see dentists outside the network, but you’ll pay more than if you see an in-network dentist. Guardian’s plans start at just over $8 per month. It offers a range of plans so you can choose a plan that fits your budget and your dental needs. Guardian has an extensive network of more than 120,000 providers. It covers basic and preventive care, as well as more advanced services like root canals, crowns, bridges and dentures. We then took on the challenge to make Guardian Anytime part of the user, especially the customer’s life.Guardian provides comprehensive dental insurance you can buy independently or through your employer. I did a quick field study to verify this hypothesis. We quickly realized that Guardian Anytime and similar products in the industry are solely utilitarian. My role: Working closely with my Creative Director, we decided to integrate the multiple, fractured ecosystem into “One Guardian.” As the users on each side of the platform required different functions to complete tasks, our experience designs focused on the relationship between the brokers and employer admins, the admin with the employees, and with the customer and Guardian. Additionally, I researched the state of digital insurance and the industry as a whole to learn about the regulations and processes so that this green-field project is realistic and viable. The client provided in-depth user research, competitive analysis, brand strategy and awareness, and technology stack. Their digital ecosystem included broker sales engine, employer/HR admin dashboard, and customer application.
About the project: Guardian Life wanted to envision the future state of their legacy platform for their flagship group insurance product.