Dental Coverage
Guardian Dental PPO
- EAB partners with Guardian as our dental carrier. If you enroll in the Guardian Dental PPO plan, you still have the ability to choose any dental provider; however, if you choose an in-network provider, your out-of-pocket costs will be less. When an out-of-network provider is chosen, you may be subject to balance billing (the difference between what your provider charges and what Guardian will reimburse). You will receive a physical ID card from Guardian once enrolled.
- Our plans allow domestic partners on eligible Medical, Dental, Vision, Life Insurance and Supplemental Health benefits. Review the Qualifying Life Events page to download the required affidavit that should be submitted to benefits@eab.com.
In-Network Provider Directory
To access a current provider directory, please follow these instructions:
- Go to www.GuardianLife.com
- Select “Connect with us”
- Select “Find a dental Provider”
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- Select “PPO: DentalGuard Preferred”
- Enter your Zip, City or State and select the “Find a Dentist” button.
Dental coverage provided by Guardian
Contact Guardian (Group #039558) at 888-600-1600 or by visiting www.GuardianLife.com
Dental Plans Overview
| Preventive Plan | Comprehensive Plan | |||
|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Deductible per calendar year | ||||
| Individual | $50 | $50 | $50 | $50 |
| Family | $100 | $100 | $150 | $150 |
| Calendar Year Annual Max | $750 per person | $2,000 per person** | ||
| Services (plan pays) | ||||
| Diagnostic & Preventive Services | 100% | 100% | 100% | 100% |
| Basic Services | 80%* | 80%* | 80%* | 80%* |
| Major Services | Not Covered | Not Covered | 50%* | 50%* |
| Orthodontia (children to age 26 and adults) | ||||
| Orthodontia | Not Covered | Not Covered | 50% | 50% |
| Orthodontia Max | N/A | $2,000 Lifetime Max | ||
| * After deductible ** A portion of unused annual maximum is available to rollover to be utilized in the next plan year if certain preventative care services are complete. For more information on the Maximum Rollover feature, see here. |
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Dental Plan Contributions
| 2026 Semi-monthly Employee Contributions | Preventive | Comprehensive |
|---|---|---|
| Employee Only | $3.69 | $8.70 |
| Employee + Spouse/DP* | $7.38 | $17.40 |
| Employee + Child(ren) | $9.74 | $23.20 |
| Family* | $14.65 | $34.80 |
| * For domestic partners and their children that do not qualify as dependents under Section 152 of the Internal Revenue Code, premiums associated with domestic partner coverage will be paid by the employee with after-tax dollars and the fair market value of any EAB contributions made on behalf of your domestic partner will be imputed as income to the employees. | ||
Coverage End Date
Health care insurance coverage will end on the last day of the month in which you leave the company.
Continuing Coverage
- COBRA – You have the option to continue medical, dental and/or vision insurance plans on a month-to-month basis as a COBRA participant.
- Heath Insurance Marketplace –There may be other coverage options available to you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as a spouse’s plan). Some of these options may cost less than COBRA continuation coverage. You can learn more about these options at HealthCare.gov.
COBRA
- Election Period – You will have 60 days from the last day of your departure month to choose to continue coverage under EAB's plans through COBRA.
- Coverage – If you elect to continue coverage for one or more plans, your coverage will be reinstated.
- Duration – In most cases you can participate for up to 18 months following your departure.
- Enrollment – If you would like to enroll in COBRA, registration materials will be sent to you in the mail by Chard Snyder.