Post on 28-Jun-2020
Meli / Jean Retief
Melisizwe.Nomvete’s iMac/Meli
Account Mgr
Studio Artist
Q.C.
Client
11-9-2018 10:30 AM11-9-2018 10:30 AM
Saved:
Current:
Artist:
Station:
#: 1036896Client:
Campaign:
Title:
Trim:
Bleed:
Safety:
ICC:
Workflow:
Guardian Life Links:GettyImages-929884086_super_CMYK.jpg (CMYK; 1610 ppi,
1612 ppi; 14.9%, 14.88%; 8.4MB)
GUARDIAN_LOGO_PRIMARY_CMYK_NAVY_TEXT_302CP.eps
(18.08%; 953KB)
File Name: 1036896_DentalPrograms_MROHR1000_Flyer_V02.indd
Inks:
Cyan
Magenta
Yellow
Black
PMS 302 CP
Fonts:Effra (Regular, Bold)
GROUP P2
Flyer - Dental Dental
8.5 in x 11 in
0.25 in x 0.25 in
0.25 in x 0.25 in
GRACoL2006_Coated1v2.icc
CMYK+1
1
The connection between oral and overall wellness is clear. Visiting the
dentist regularly can help prevent and detect early stages of many diseases
and conditions. Help your clients promote good oral care with Guardian’s
Maximum Rollover Oral Health Rewards Program — a unique tool that
encourages and rewards members who visit the dentist.
Helping employees maintain good health
• Members simply submit a claim without exceeding the paid claims
threshold during the benefit year.
• Guardian will reward them by rolling over a portion of their unused annual
dental maximum into their own personal Maximum Rollover Account (MRA)
for future use.
• The reward can be used to supplement dental care costs in the future
beyond the plan’s normal annual maximum.
• Plus! If they use the services of in-network dentists exclusively during the
benefit year, we’ll increase the amount credited to the MRA!
Practice good oral health
Rollover dental funds for the
future
Visit the dentist
How maximum rollover works
Guardian will roll over a
portion of the unused annual
dental maximum into a
personal Maximum Rollover
Account, which can be used
in future years if the plan’s
annual maximum is reached.
As an added advantage,
more money is rolled over
if in-network dentists are
used exclusively during the
benefit year.
Guardian’s Oral Health Rewards Program
Help encourage good oral care
Dental Insurance — Maximum Rollover
S:8 inS
:10
.5 in
T:8.5 inT:1
1 in
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Meli / Jean Retief
Melisizwe.Nomvete’s iMac/Meli
Account Mgr
Studio Artist
Q.C.
Client
11-9-2018 10:30 AM11-9-2018 10:30 AM
Saved:
Current:
Artist:
Station:
#: 1036896Client:
Campaign:
Title:
Trim:
Bleed:
Safety:
ICC:
Workflow:
Guardian Life Links:None
File Name: 1036896_DentalPrograms_MROHR1000_Flyer_V02.indd
Inks:
Cyan
Magenta
Yellow
Black
PMS 302 CP
Fonts:Effra (Regular, Bold)
GROUP P2
Flyer - Dental Dental
8.5 in x 11 in
0.25 in x 0.25 in
0.25 in x 0.25 in
GRACoL2006_Coated1v2.icc
CMYK+1
2
How Maximum Rollover works: $1,000 annual example
Depending on the plan’s annual maximum, if claims dollars for the year don’t
exceed a certain threshold, the set Maximum Rollover Amount
(pre-determined based on the annual maximum) can be rolled over.
Plan
Annual
Maximum* Threshold
Maximum
Rollover
Amount
In-network
Only Rollover
Amount
Maximum
Rollover
Account Limit
$1,000 $500 $250 $350 $1,000
Maximum
Claims
Reimbursement
Claims
amount that
determines
rollover
eligibility
Additional
dollars added
to Plan Annual
Maximum for
future years
Additional dollars
added to Plan
Annual Maximum
for future years if
only in-network
providers were
used during the
benefit year
The Maximum
Rollover
Account cannot
exceed $1,000
Sample plan: $1,000 Annual Maximum
Year one: Jane starts with a $1,000 Plan Annual Maximum. She submits $150
in dental claims. Since she did not exceed the $500 Threshold, she receives
a $250 rollover that will be applied to Year Two.
Year two: Jane now has an increased Plan Annual Maximum of $1,250.
This year, she submits $250 in claims and receives an additional $250 rollover
added to her Plan Annual Maximum.
Year three: Jane now has an increased Plan Annual Maximum of $1,500.
This year, she submits $1,300 in claims. All claims are paid due to the Maximum
Rollover Amount accumulated.
Year four: Jane’s Plan Annual Maximum is $1,200 ($1,000 Plan Annual
Maximum + $200 remaining Maximum Rollover Amount accumulated).
The Guardian Life Insurance
Company of America
New York, NY
guardiananytime.com
Dental Policy Form No. GP-1-DEN-16
2017-42998 (07/19)
The Guardian Life Insurance Company of America® (Guardian). May not be available in all
states. Guardian’s Dental Insurance is underwritten and issued by The Guardian Life Insurance
Company of America, New York, NY. Products are not available in all states. Policy limitations
and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents
are the final arbiter of coverage. Information provided in this communication is for informational
purposes only. * If a plan has a different annual maximum for PPO benefits vs. non-PPO benefits,
($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines the Maximum
Rollover plan. May not be available in all states.
Contact your Guardian group sales representative for more information.
Year 1
Annual max
Rollover balance
$1,000 $1,000
$250+$250
+$250 -$300
$1,000
$500
$1,000
$200
Year 2 Year 3 Year 4
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1 in
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