Dental Benefits
Just like our medical plans, Fisher Investments pays 100% of your monthly dental plan premiums for you and your eligible dependents.
Dental Plan
We offer one plan, the Guardian Preferred Provider Organization (PPO) Dental Plan.
Fisher Investments has set an annual limit of $2,000 per person for dental expenses; the annual limit does not apply to orthodontia expenses. Except for preventive care, you pay an annual deductible ($25 per person or $75 family maximum) before the plan pays benefits. These annual limits are yours to use as you choose. What does this mean exactly? Unlike other dental insurance that limits your cleanings and denies larger-ticket items (like implants), the Fisher Investments plan bypasses all of that. The Plan also covers orthodontia (including braces, retainers and Invisalign) for children and adults ($2,000 lifetime maximum benefit).
Resources
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Dental - Guardian
Website
1-800-541-7846
Group Plan: #482174
Who is eligible for our plans?
Eligibility
Full-time employees and their spouse, state-registered domestic partner, and/or dependents are eligible for our medical, dental and vision healthcare plans.
Qualifying Events
You are able to add or remove a qualified dependent from your medical plans outside of Open Enrollment if you have a qualified event during the year. A qualified event includes:
- Marriage or divorce
- Birth or adoption of a child
- Losing coverage due to a death in the family
- Losing coverage due to a job change
- Relocation (out of current county or state)
Save money with a network dentist
Although you can see both in- and out-of-network dentists, itβs always more cost-effective to choose a dentist in the Guardian network. With a Guardian preferred provider, your out-of-pocket costs will be lower and less will be applied to your annual coverage maximum. To find a dentist in the network, use the search tool on the Guardian website.
See how common dental services are covered:
Diagnostic and Preventive:
Services: Cleanings, x-rays, exams, etc.
Coverage: 100% (no deductible)
Basic Benefits
Services: Fillings, sealants, anesthesia, etc.
Coverage: 80% after annual deductible
Major Benefits
Services: Crowns, inlays, implants, dentures, etc.
Coverage: 80% after annual deductible
Orthodontics
Services: Braces, retainers, etc.
Coverage: 80% after deductible