![]() The child remained continuously covered until he or she reached the age limit and.The condition started before he or she reached the age limit and.A dependent child may remain eligible for dependent benefits past the age limit, subject to the conditions below: A child who is incapable of self-support because of a physical or mental incapacity.A newborn child, natural child, stepchild or a child placed with You for adoption or foster care who is under age 30 and.You must enroll for a minimum of 12 months. ![]() In order for Your dependent coverage to start, You must also be covered under this Plan. ![]() When You become eligible, You may enroll for dental insurance by completing the required enrollment application and sending the completed form to Us on a timely basis. *Open enrollment for Guardian is in January each year.You and any of Your eligible dependents may enroll in this Plan. IMPORTANT NOTE: You should notify HR immediately with any status changes such as marriage, divorce, birth of a child, or loss of coverage with another provider. ![]() Guardian Account Information: Go to this website: You will need to register to access your personal account information. You can then search within a zip code or from a specific address. Note: DHMO/Pre-paid is our HMO Dental Plan. Provider Search: If you would like to do a provider search you can do this at On the top right side in the grey box under Resources select "Provider Online Search", then click on Find a Dentist, and lastly you will need to select your plan type. See the plan summary link below for more details. non-PPO benefits, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines the Maximum Rollover plan. If a plan has a different annual maximum for PPO benefits vs.Maximum Rollover Account Limit- $1,250.00 In-Network Only Maximum Rollover Amount- $500.00 Each member’s MRA may not exceed the MRA limit. The employee and each insured dependent maintain separate MRAs based on their own claim activity. To qualify, a member must submit a claim and not exceed the paid claims Threshold during the benefit year. Even better, if a member uses the services of Preferred Providers exclusively during the benefit year, we’ll increase the amount credited to his or her MRA to the In-network Only Maximum Rollover Amount. The MRA can be used in future years, if a member reaches the plan’s Annual Maximum. Maximum Rollover: With Maximum Rollover, we’ll roll over a portion of each member’s unused annual maximum, called the Maximum Rollover Amount, into his or her Maximum Rollover Account (MRA). This plan doesn’t cover orthodontic services. There is a maximum benefit of $2,000.00 per year in-network and $1500.00 per year out-of-network. Preventative services are paid at 100%, regular services are covered at 90% and major services are covered at 60% within the network. PPO Plan – Guardian PPO members are required to pay an annual deductible of $50.00 per member (max of three family members). There is no annual maximum benefit except for orthodontics’. Preventative services are paid at 100%, all other services are set at a pre-negotiated rate (see plan for fee schedule). HMO Plan - Guardian HMO members pay no annual deductible.
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