Dental
With Guardian Dental, you have the flexibility to choose the dental care that works best for you and your family. Guardian offers access to a broad nationwide network of dentists, through the PPO: DentalGuard Preferred network. These providers have agreed to negotiated rates, helping you save on eligible dental services and make the most of your benefits.
You may visit an in-network or out-of-network dentist, and covered family members do not need to use the same provider. Choosing an in-network dentist can help reduce your out-of-pocket costs and simplify the claims process.
Before your coverage begins:
- Review your election
- Check your dental selection and covered dependents during Open Enrollment
- Check your dentist and office location participation (Find a dental provider)
- Plan for ongoing treatment
- If you or a dependent has braces or other treatment already underway/in progress, review the transition guidance before your next appointment
Our Plan Offers:
- Annual Per Participant maximum of $1,000 or $1,500 depending on your plan enrollment
- 100% coverage on routine exams, bitewing X-rays, and cleanings. Fluoride treatment for dependents under 18 is also included.
- Dental Rewards that allow you to carryover part of their unused maximum. In addition, if a claim is submitted through the dental network and additional reward can be earned.
Who is Eligible and When:
Active associates working a minimum of 30 hours per week, their spouse and dependent children are all eligible for coverage. Qualified Associates have up to 30 days to enroll in the plan after they become benefit eligible. Most benefit changes require a “qualifying life event” and must be identified within 30 days. Failure to do so will disqualify you from changing coverage until the next open enrollment.
Coverage in the dental plan is effective the first of the month following or coinciding with the date of hire. Coverage terminates on the last day of the month coincident or next following the date in which an associate no longer meets the criteria for eligibility.
| Type of Service | Base Dental Plan | Buy Up Dental Plan |
|---|---|---|
| Deductible | $50 per person $150 per family | $50 per person $150 per family |
| Annual Maximum* | $1,000 per participant up to 50% rollover of unused balance | $1,500 per participant up to 50% rollover of unused balance |
| Network | Classic PPO & Plus | Classic PPO & Plus |
| Preventive Services (up to Maximum) | 100% 2 routine exams per year | 100% 2 routine exams per year |
| Basic Services (up to Maximum) | 80% | 80% |
| Major Services (up to Maximum) | 50% | 80% |
| Orthodontia (Adults & Dependents) | No Ortho Benefit | 50% ($1,000 lifetime maximum) |
*Any covered member, who has incurred at least one paid claim during the benefit year, will be eligible to rollover a portion of their unused annual dental maximum into their own personal Maximum Rollover Account (MRA)for future use.
Frequently Asked Questions
I recently moved, how can I update my address with our Dental provider?
Your address can be updated directly through Oracle (available through your OKTA SSO Dashboard). After logging in you will go to “Me” –> “Personal Information” -> “Contact Info”. From there you can update all contact information, including your address by clicking on the “Pencil” or “Add” icon in the Personal information Section. After you update your address in Oracle, it will update with all benefit providers. More information can be found in the following Training Material: Job Aid: View and Update Personal Information
I am getting married, can I add my new spouse to my Dental election?
Getting married is considered a Qualifying Life Event (QLE). You have up to 30 days after the Qualifying Life Event to make changes to your benefit elections, including canceling your coverage, or adding your new spouse to any benefits. If you want to make any additional changes, you can do so directly through Oracle. Coverage for your spouse will begin on the first of the month coinciding with or following your marriage effective date. In order to activate the work event in Oracle, we require a signed marriage license. More information can be found in the following Training Material: Job Aid: Triggering a Life Event
My son/daughter already had braces when I joined the plan. Does our Dental provide coverage for ongoing treatments?
Only the Buy-Up dental plan includes orthodontia benefits for adults and dependents under the age of 19. If a dependent has already started an orthodontia treatment before being enrolled on our plan, Guardian would not provide coverage for the orthodontia service.
Do I need to designate a beneficiary?
A beneficiary does not need to be designated for dental insurance. Your dependent(s) will be assumed as a beneficiary for this benefit.
Is my Domestic Partner Eligible for Dental Insurance?
Our Dental plan does not allow enrollment for girlfriends, boyfriends, siblings, domestic partners or grandchildren (unless adopted by you)
I am leaving the plan, when does my coverage end?
Coverage will end on the last calendar day of the month.
When is my child no longer eligible for Dental coverage with Mariner?
Dependents are eligible to remain on our dental plan until the end of the month in which they turn 26. This includes children who are married or have employment elsewhere. Continuation of coverage under the Mariner plan can be obtained by the 26-year-old dependent through COBRA.