Guardian Health InsuranceGuardian Health Insurance Hugo Wesendonck created Guardian in 1860, originally calling the company Germania Life Insurance Company of New York. The company became Guardian Life Insurance Company of America in 1917 and is currently the fourth largest mutual life insurance company in the United States. Guardian employs more than 5,000 individuals and has over 80 agencies nationwide. Subsidiaries and affiliates of Guardian are:
ServicesGuardian, along with its subsidiaries, provide the following services for individuals, employers, and businesses:
Types of PlansGuardian Health Insurance is available through employers and currently provides health coverage for over six million employees and their dependents. Members of Guardian health insurance can access their plan information over the internet via the Guardian Benefits Manager, creating a secure connection to access and process claims as well. Guardian offers a variety of plans that may be offered through an employer. These options include:
ProgramsGuardian health insurance also offers cost savings programs:
Guardian works with Destiny Health Plan to provide health insurance plans to employers in selected markets. Guardian health insurance, with Destiny, helps provide comprehensive coverage for hospital stays and medication for chronic disease. Destiny also has health savings account options for less costly services. ProvidersGuardian works with a variety of network providers. Some of these providers include:
First Commonwealth DentalGuardian health insurance works with Guardian Dental and First Commonwealth Dental to provide dental insurance through employers. Guardian Dental offers a traditional indemnity dental coverage option or a PPO plan. First Commonwealth Dental consists of either a Dental HMO (DHMO) or an employer choice of a DHMO or a Dental PPO plan. First Commonwealth Dental is offered in the states of
FlexPlanGuardian health insurance also offers a Section125/FlexPlan which allows employees the option of choosing benefits and paying for some with pre-tax dollars deducted from the paycheck. Employers choose between a Premium Only plan or a Flexible Spending Account before offering options to employees. Both involve the use of pre-tax dollars in order to save on medical expenses and, in some cases, the premiums for other employee benefits. VisionGuardGuardian health insurance offers VisionGuard, the vision care PPO plan by Guardian. VisionGuard offers coverage for exams and vision corrective materials. Guardian health insurance gives members a choice between any eye doctor and those doctors participating in the Vision Service Plan (VSP). There are over 22,000 doctor locations participating in VSP nationwide. Different Options for Insurance PlansEmployers working with Guardian can also offer disability protection and life insurance to their employees. Other services offered through Guardian Life Insurance Company include:
Contact information for Guardian Health insurance:
The Guardian Life Insurance Company of America
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