Dental and Life (Guardian)

Contact: Jan Hodge
Telephone: (502) 815-5144
Fax: (502)459-0343
Email: Jan.Hodge@Nationalcityins.com
Group No: G-00438468
Open enrollment period: June 1st of each year
Customer response unit at Guardian: 1-800-541-7846
Guardian Employee Benefits Hotline: 1-800-600-1600

**Your Guardian Plan offers:

Family Coverage for spouse and children to age 19 (23 if a full time student)
Orthodontia coverage for children No charge for preventive care (subject to plan limits)
aximum Rollover, if a member submits at least one claim and stays under the claim threshold, a part of the unused maximum will be rolled over for use in future years.

Find out if your dentist is in Guardian’s network at www.guardianlife.com
With your PPO plan, you can visit any dentist; but you pay less out-of-pocket when you choose a PPO dentist.
Out–of-Network benefits are limited to our PPO fee schedule.

As with all insurance plans there are Exclusions and Limitations that apply to the Dental Plan. See your Certificate of Coverage Booklet for more details.

Please note: The plan details listed here are some of the most common services related to dental coverage.
The co-insurance percentages for the PPO plan options correspond to the coverage categories of Preventive, Basic, Major and Orthodontia listed in the table above.

** Covered only when needed because of decay or injury and only when the tooth cannot be restored with amalgam or composite filing material.

All Life Plans are based on employee’s age for employee and spouse. Children are a % of employee’s coverage.