What is guardian nap plan?

The Value Plan offers members who choose to see a Guardian participating dentist the most savings and Out-of-Network benefits are limited to Guardian’s PPO fee schedule. With the NAP Plan, all out of network services are based on usual, reasonable, and customary rates for given area.

What is a network access plan?

What is the Network Access Plan? Network Savings. The plan is tied to a network of participating dentists who have signed contracts and agreed to accept certain fees for dental services. A member must visit a dentist in the network in order to enjoy the contracted savings. Annual Dental Coverage Benefit.

Does Berkshire Hathaway own Guardian Insurance?

Berkshire Life Insurance Company of America – Berkshire Life Insurance Company of America provides disability income insurance products for professionals, executives and business owners. The company became a wholly owned subsidiary of and third party administrator for Guardian in December 2001.

What is guardian Dhmo?

The Guardian DentalGuard DHMO plans allow you to choose to receive care from any participating licensed dentist in the network, and pay a set co-pay for your office visit. Under this plan, you must choose a primary care dentist. All of your dental care will be provided by, or arranged by, your primary care dentist.

What is Guardian Direct?

About us. Guardian Life Insurance has been protecting policyholders for over 160 years, and Guardian Direct® brings the best of Guardian’s history, experience, and insurance knowledge directly to you. With Guardian Direct, you are in control of your insurance coverage.

What is the difference between PPO and OAP?

OAP stands for Open Access Plus, a CIGNA network. This network replaces the CIGNA HealthCare PPO Shared Administration network and currently has 6,860 general acute care hospitals, 13,544 facilities and 1,587,398 specialists and primary care physicians.

Is OAP the same as HMO?

HMO Plans: HMO plans apply copayments toward the out-of-pocket maximum. OAP Plans: OAP plans do not have an out-of-pocket maximum for Tier I; however, for Tiers II and III, only coinsurance is applied toward the out-of-pocket maximum.

Is DHMO or PPO better?

Generally speaking, DHMO plans are more cost effective, while PPO dental plans offer greater flexibility. There’s no way of saying that one plan is better than the other – it just comes down to which will meet your unique needs.

What kind of insurance is guardian?

Guardian offers three main types of life insurance: term life insurance, universal life insurance, and whole life insurance. Its term life insurance is available for 10- to 30-year terms and coverage starts at $100,000. The age you can buy if you’re between the ages of 18 and 75, and depends on the term length.