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					As a member of the Texas Association of Staffing, you can now offer your employees quality voluntary dental and vision coverage at affordable group rates.

Dear Texas Association of Staffing Member: Good news! To help ensure that your employees and their families have the protection they need, we are now making dental and vision benefit plans available to our membership. The coverage is provided through The Guardian Life Insurance Company of America, one of the leaders in the field. Michael Camerio an industry partner will be contacting you soon with details for enrollment. Attached is a brief summary of the coverage being offered? We hope you take advantage of these high-quality benefits as they are offered at affordable group rates, which are significantly less than what you would pay if not a member of the Association. To get started immediately: Request an Employer Enrollment Kit: Michael Camerio Insurance Group Attn: Mike Camerio 8650 Minnie Brown Parkway, Suite 224 Montgomery, Alabama 36117 If you have any questions, please contact Michael Camerio at 877-293-9818 or email, mcamerio@knology.net.

P. O. Box 3357 Galveston, TX 77552 (713) 705-2534

Summary of new coverage’s

DentalGuard Preferred (Network Access and Value Plans)     Visit any dentist you choose or a dentist from Guardian’s extensive provider network Opportunity to save on dental care services when you use network dentists After any applicable deductible, the plan provides reimbursement for a wide range of dental treatments – up to an annual maximum Covers preventive, [basic, major and orthodontic] services

Managed DentalGuard – Texas Only (DHMO through Managed Dental Care – a wholly owned subsidiary of Guardian/through Managed DentalGuard, Inc. – a wholly owned subsidiary of Guardian)       Select a primary care dentist from a listing of participating general dentists The primary care dentist will perform all dental services and coordinates referrals when needed Typically only $5.00 for each primary care office visit Most diagnostic and preventive services are provided at no additional cost A reasonable patient charge applies for each basic and major service – orthodontia benefits are included at no additional premium cost No deductibles or annual maximums

Vision featuring the Davis Vision Network    Visit any eye care provider you choose or a provider from Davis vision’s extensive provider network. Full-Feature plan provides coverage for exams, and either glasses or contact lenses based on member choice. $10 copay for in-network exams, $25 copay for materials.

Dental Disclosure:
Important Information about Guardian DentalGuard Preferred Coverage: This policy provides dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductibles apply. Waiting periods may also apply for some services. The plan does not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatment to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment. The plan limits benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services. The services, exclusions, and limitations listed above do not constitute a contract and are a summary only. The Guardian plan documents are the final arbiter of coverage. #GP-1-DNTL-90-1 et al.

For Texas Use:
Important Information about Managed DentalGuard: This plan provides pre-paid dental benefits through a network of participating general dentists and specialty care dentists. All covered services must be provided by the member’s Primary Care Dentist. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by Managed DentalGuard. Only those services listed in the plan are covered. Certain services are subject to annual or other periodic limitations. Where orthodontic benefits are specifically included, the plan provides for one course of comprehensive treatment per lifetime, per member. The Managed DentalGuard plan does not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the Member’s effective date under the Managed DentalGuard plan. The services, exclusions and limitations listed here do not constitute a contract and are a summary only. The Managed DentalGuard plan documents are the final arbiter of coverage. GP-1-MDG-TX1, et al. Managed DentaGuard, Inc. is a wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. Managed Dental Care, Inc. is located at 13455 Noel Road, Suite 1440, Dallas, TX 75240

Vision Disclosure
Important Information: This policy provides vision care limited benefits health insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. Coverage is limited to those charges that are necessary for a routine vision examination. Co-pays apply. The plan does not pay for : (orthoptics or vision training and any associated supplemental testing; medical or surgical treatment of the eye; and eye examination) or corrective eyewear required by an employer as a condition of employment; replacement of lenses and frames that are furnished under this plan, which are lost or broken (except at normal intervals when services are otherwise available or a warranty exists). The plan limits benefits for blended lenses, oversized lenses, photochromic lenses, tinted lenses, progressive multifocal lenses, coated or laminated lenses, a frame that exceeds plan allowance, cosmetic lenses; U-V protected lenses and optional cosmetic processes. The services, exclusions and limitations listed above do not constitute a contract and are a summary only. The Guardian plan documents are the final arbiter of coverage. Contract #GP-1-VSN-96-VIS et al. The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004.

2000-2394


				
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