Dental

Dental

Sila partners with Guardian for dental benefits. Although you can choose any dental provider, when you use an in-network dentist, you will generally pay less for treatments because your share of the cost will be based on negotiated discount fees. With out-of-network dentists, the plan will pay the same percentage, but the reimbursement will be based on out-of-network rates. You may be billed for the difference.

Dental exams can tell your doctor a lot about your overall health. It’s important to schedule regular exams to help detect significant medical conditions before they become serious.

Find an In-Network Provider on the Website
  • You may locate participating dental providers by accessing the Guardian website at guardianlife.com.
  • Select Find a dentist on the top of the screen.
  • Click on the left-hand box, which indicates your dental benefits are through your workplace.
  • Select the “PPO: DentalGuard Preferred” and enter your location preferences.
  • Once you have completed the other requested information, click “Search.”
    Find a Provider on the Mobile App
    • Search by name or location.
    • View the map and get directions.
    • View, print, or email ID cards for use when scheduling an appointment.
      Guardian Account Access
      • Access the Guardian website at guardianlife.com.
      • You will be brought to a sign in page.
      • If it is your first time logging in, you will need to create an account. Select Register.
      • Enter your email address and select Continue.
      • Complete a few questions to create your account. 
      • If you already have a Guardian account, enter your email and password to login.

      Locate Participating Dental Providers

      Click here to locate participating dental providers by accessing the Guardian website.

      Dental Summary PDF

      Remember! You will not receive a physical ID card. To download your digital ID card, visit guardianlife.com.

      Dental Plan Quick Comparison

      Deductible
      Individual
      Family
      Cost Share
      Preventive and Diagnostic
      Basic Restorative
      Major Restorative
      Orthodontia (children under 26)
      Plan Maximums
      Annual Plan Maximum
      Orthodontia Lifetime Maximum (children under 26)
      Guardian - Base
      $50
      $150
      100%
      80%
      50%
      -
      $1,000 + maximum rollover
      -
      Guardian - Buy-Up
      $50
      $150
      100%
      80%
      50%
      50%
      $1,500 + maximum rollover
      $1,500

      Your Weekly Cost for Dental Benefits by Plan

      Employee
      Employee + Spouse
      Employee + Child(ren)
      Family
      Guardian - Base
      $4.41
      $8.86
      $11.00
      $14.92
      Guardian - Buy-Up
      $5.36
      $10.72
      $12.89
      $18.25

      Guardian Teledentistry

      It is important to ensure our members have access to dental care – and teledentistry helps make that happen. That’s why Guardian is helping to provide an easy-to-use teledentistry option for when you or your family need urgent care and you don’t have a dentist or your dentist is not available. Simply schedule an appointment and you will receive a secure, password-protected video conference link to use. Guardian teledentistry is covered by your dental plan. (Standard plan limitations and exclusions apply.)

      During your virtual visit, a dental care professional can help you:
      • Determine if you have a serious condition that requires urgent treatment
      • Suggest things you can do at home to relieve your symptoms
      • Assess toothaches, infections, and provide prescription medications if needed
      • Offer guidance and advice
      • Refer you to a Guardian network dentist if further care is needed

      To get started, simply visit teledentistry.com/insurance-carriers/guardian or call 866.979.1116.

      Guardian Dental Member Benefits

      Annual Plan Maximum Rollover Feature
      Preventive care can help avoid costs of serious oral health issues. With the Guardian maximum rollover feature, you are rewarded for taking care of your oral health by going in for your preventive care with regular dental visits. This feature is available if you are enrolled in a dental plan.

      For Sila’s plans, if all dental claims paid in any given year are less than the stipulated amount, you will be eligible to roll over funds to the next plan year. You can continue to roll funds over each year until you reach the maximum amount in rollover credits to your annual plan maximum. This gives you an additional benefit on the dental plan over four years.

      Spend Less Than:
      Rollover:
      Maximum Rollover:
      Guardian - Base
      $500
      $250
      $1,000
      Guardian - Buy-Up
      $700
      $350
      $1,250