Welcome to Guardian Direct^®

As a Care Value agent, you have access to our comprehensive, flexible portfolio of innovative dental plans, backed by more than 155 years of experience.

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Agent Authorization

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1. Applicant zip code

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Where are you looking for a dentist? Using your zip code, we'll be able to pinpoint network providers in your area.

2. Applicant age

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Available plans can vary by age. By providing your age group we can make sure we show plans that will work for you.

3. Do you have a spouse?

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Comprehensive dental benefits
Variety of plan options
Large national provider network
Easy to quote and enroll

Offer clients a comprehensive selection of dental plans with innovative benefits, flexibility and affordable rates, all backed by a leader with more than 155 years in the industry.

Our Plans*:

Plan Highlights

Preventive coverage (such as cleanings and X-rays) is covered at 100%.
No waiting period for preventive services.
Maximum annual benefit is $1,500 in year 3.
You can go to any provider you choose.
You are responsible for a percent of the total amount billed (coinsurance).

* Plans and rates may vary by state.

Plan Highlights

Preventive coverage (such as cleanings and X-rays) is covered at 80%.
No waiting period for preventive services.
Maximum annual benefit is $1,000 in year 3.
You can go to any provider you choose.
You are responsible for a percent of the total amount billed (coinsurance).

* Plans and rates may vary by state.

Plan Highlights

Preventive coverage (such as cleanings and X-rays) is covered at 100%.
No waiting period for preventive services.
Maximum annual benefit is $1,000 in year 3.
You can go to any provider you choose.
You are responsible for a percent of the total amount billed (coinsurance).

* Plans and rates may vary by state.

Important Product Disclosure

Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides DENTAL insurance only.

Dental provider networks vary by state, by market and by plan type

Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually.

IMPORTANT INFORMATION ABOUT GUARDIAN’S DENTALGUARD INDEMNITY AND DENTALGUARD PREFERRED PPO PLANS

Dental PPO plans provide in-network and out-of-network benefits. Use of an in-network provider may result in reduce out of pocket costs.

Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductibles apply. Waiting periods may also apply for some services

Individual dental plans do not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatment to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment.

Individual dental plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services.

Listed services, exclusions and limitations do not constitute a contract and are a summary only.

IMPORTANT INFORMATION REGARDING DENTAL HMO BENEFITS

Dental HMOs provide Pre-Paid dental benefits through a network of participating general dentists and specialty care dentists. All covered services must be provided by the member’s Primary Care Dentist. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by the Dental DHMO.

Only those services listed in the Dental HMO plan are covered. Certain services are subject to annual or other periodic limitations. Where orthodontic benefits are specifically included, your policy provides for one course of comprehensive treatment per lifetime, per member. Dental HMOs do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date. Listed services, exclusions and limitations do not constitute a contract and are a summary only.

Products Underwritten by Guardian Life Insurance Company of America

DENTAL PPO PLANS Policy Form IP-DEN-16 ET. AL.

DENTAL HMO PLANS

FLORIDA Policy Form IP-1-MDG-DHMO-FL-OFF-17

NEW YORK Policy Form IP-MDG-NY-FP-OFF-17

Products Underwritten by Managed Dental Guard, Inc.

DENTAL HMO PLANS

TEXAS Policy: IP-1-MDG-DHMO-TX-17

Products Underwritten by First Commonwealth Inc. through its Illinois subsidiaries*

DENTAL HMO PLANS

ILLINOIS Policy: IP-FCW-DHMO-IL-17

*First Commonwealth Insurance Company — (IL), First Commonwealth Limited Health Services Corporation — (IL), First Commonwealth of Illinois, Inc.

Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers

Welcome to Guardian Direct^®

As a Care Value agent, you have access to our comprehensive, flexible portfolio of innovative dental plans, backed by more than 155 years of experience.

Agent Authorization

1. Applicant zip code

2. Applicant age

3. Do you have a spouse?

4. Do you have dependents?

Click below to review your available plans now.

OFFER CLIENTS WHAT
THEY NEED

Our Plans*:

Guardian Dental Advantage Gold

Plan Highlights

Guardian Dental Advantage Silver

Plan Highlights

Guardian Dental Advantage Bronze

Plan Highlights

Important Product Disclosure

Welcome to Guardian Direct®

As a Care Value agent, you have access to our comprehensive, flexible portfolio of innovative dental plans, backed by more than 155 years of experience.

Agent Authorization

1. Applicant zip code

2. Applicant age

3. Do you have a spouse?

4. Do you have dependents?

Click below to review your available plans now.

OFFER CLIENTS WHATTHEY NEED

Our Plans*:

Guardian Dental Advantage Gold

Plan Highlights

Guardian Dental Advantage Silver

Plan Highlights

Guardian Dental Advantage Bronze

Plan Highlights

Important Product Disclosure

Welcome to Guardian Direct^®

OFFER CLIENTS WHAT
THEY NEED