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

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GROUP P2

Flyer - Dental Dental

8.5 in x 11 in

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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

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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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