Guardian Essentials for Families and Individuals is an individual dental health plan issued by Guardian Life Insurance Company of America and is available for the year 2019. This dental plan is offered by the federal government through HealthCare.gov and the Affordable Care Act (ACA).
Some but not all health plans offer dental coverage. If your health plan does not include dental coverage, you can purchase a stand-alone dental plan.
However, you cannot buy a dental plan from the government healthcare marketplace, unless you are also buying a health plan at the same time.
This plan is available for qualifying individuals who live in Otsego county, Michigan.
This plan is a PPO plan, which is also known as a "Preferred Provider Organization." In this type of insurance plan, you can choose to receive care from doctors, hospitals, and other providers who are in-network or out-of-network. You pay less if you use in-network providers. In a PPO plan, you can visit any doctor without getting a referral.
This is a lower premium, higher copay and deductible plan. This means you pay less every month, but you will pay more when you use dental services. This plan is better for those who plan to use a lot of dental services.
You can purchase this plan at HealthCare.gov.
|Adult Dental Coverage|
|Child Dental Coverage|
|Dental Deductible (Individual)||$100|
|Dental Maximum Out of Pocket (Individual)||$350|
|Dental Deductible (Family)||See Plan Brochure|
|Dental Maximum Out of Pocket (Family)||$700|
|Routine Dental Services (Adult)||No Charge after Deductible|
|Basic Dental Care (Adult)||50% Coinsurance after deductible|
|Major Dental Care (Adult)||50% Coinsurance after deductible|
|Adult Orthodontics||Not Covered|
|Dental Check-Up for Children||No Charge after Deductible|
|Basic Dental Care (Child)||50% Coinsurance after deductible|
|Major Dental Care (Child)||50% Coinsurance after deductible|
|Orthodontia (Child)||Not Covered|
|Premium Child Age 0-14||24|
|Preimum Child Age 18||24|
|Premium Adult Individual Age 21||25|
|Premium Adult Individual Age 27||25|
|Premium Adult Individual Age 30||25|
|Premium Adult Individual Age 40||25|
|Premium Adult Individual Age 50||25|
|Premium Adult Individual Age 60||25|
|Premium Couple 21||50|
|Premium Couple 30||50|
|Premium Couple 40||50|
|Premium Couple 50||50|
|Premium Couple 60||50|
|Couple+1 child, Age 21||74|
|Couple+1 child, Age 30||74|
|Couple+1 child, Age 40||74|
|Couple+1 child, Age 50||74|
|Couple+2 children, Age 21||99|
|Couple+2 children, Age 30||99|
|Couple+2 children, Age 40||99|
|Couple+2 children, Age 50||99|
|Couple+3 or more Children, Age 21||123|
|Couple+3 or more Children, Age 30||123|
|Couple+3 or more Children, Age 40||123|
|Couple+3 or more Children, Age 50||123|
|Individual+1 child, Age 21||49|
|Individual+1 child, Age 30||49|
|Individual+1 child, Age 40||49|
|Individual+1 child, Age 50||49|
|Individual+2 children, Age 21||73|
|Individual+2 children, Age 30||73|
|Individual+2 children, Age 40||73|
|Individual+2 children, Age 50||73|
|Individual+3 or more children, Age 21||98|
|Individual+3 or more children, Age 30||98|
|Individual+3 or more children, Age 40||98|
|Individual+3 or more children, Age 50||98|