Benefit Guide - Circles

DENTAL BENEFITS INFORMATION

THE DHMO PLAN has no deductible, no annual lifetime maximums, and lower employee contributions. However, there is no Out - of - Network coverage. You are not required to choose a primary dentist. You have the freedom to choose any general dentist in the network when you make your appointment. You can change your general dentist at any time. Referrals are required for specialty care if you want to pay the cost listed on the fee schedule. It is more cost - effective to get a referral from a network dentist when specialty care is needed, but you can choose to NOT get a referral and go straight to an In - Network dental specialist and get a 25% discount on the provider ’ s rates. Look up dentists who participate in the DHMO to find one taking new patients and who you are willing to see before you elect the DHMO. THE PPO PLAN offers you the flexibility to visit any dentist, but you ’ ll save money when you visit a dentist in your plan network. After you meet the annual deductible, the plan pays a percentage of covered expenses until you reach the annual maximum benefit limit of $3,000. Oral Health Rewards Program Regular visits to the dentist can help prevent and detect the early signs of serious diseases. Guardian ’ s Maximum Rollover Oral Health Rewards Program encourages and rewards member who visit the dentist, by rolling over part of your unused annual maximum into a Maximum Rollover Account (MRA). This can be used in future years if your plan ’ s annual maximum is reached. How Maximum Rollover Works Depending on your plan ’ s annual maximum, if claims made for a certain year don ’ t reach a specified threshold, then the set maximum rollover amount can be rolled over. You can view your annual MRA Statement detailing your account and those of your dependents on www.GuardianAnytime.com . How to Look Up a Network Providers Online Guardian ’ s innovative web technology lets you look up a provider right from your computer. Our Find a Provider Search function is simple and easy - to - use. Just follow these steps: Visit Guardian ’ s web page at www.GuardianAnytime.com • Click on “ Find A Provider ” at the top of the page. • Under “ Select Your Dental Plan ” Choose Managed Dental Care DMO or PPO. • Under “ Search by ” click the circle next to “ Location & Dentist ’ s Name ” • Under “ Your Location ”, enter Zip Code or Street Address information • Under “ Distance ” select you mile radius, then “ Select your Dental Network ” Note: You also have the option to include type of Dentist, foreign language spoken, and office status in your search. • Click “ Continue ” to view the list of network providers. • Click on the box that says “ Find a Dentist ”. On the next web page, do the following:

You can also find a dentist on the go from your smart phone. Simply download our app at www.GuardianAnytime.com/ mobile .

Watch our video Learn how dental insurance

can protect your long - term health.

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

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