Guardian (First Commonwealth) Dental Plans
The Northwestern University Postdoctoral Fellow Benefit Program offers you the choice of two valuable dental options through Guardian, an HMO or a PPO depending on your particular requirements. The HMO Plan is sometimes referred to as the First Commonwealth Plan, this company being a wholly owned subsidiary of Guardian, providing HMO benefit plans in the state of Illinois. Please read the brief descriptions below and take the time to review the plan summaries in order to better understand the choices.
Guardian (First Commonwealth) Dental HMO Plan
The Guardian Dental HMO Plan (First Commonwealth) is a comprehensive dental plan offering a breadth of coverage with no annual deductible or dollar maximums. Differing from the PPO plan described below, you will choose a Primary Care Dentist through the online provider directory and see that dentist for all of your care. There is not an out-of-network benefit with this plan. Should you require a specialist, your Primary Care Dentist will provide the referral to the appropriate specialist. You may choose a separate Primary Care Dentist for each member of your family. For your children 7 years of age or older, please choose a Pediatric Dentist as their Primary Care Dentist.
Offering a broad range of coverage, this plan provides most preventive procedures covered at 100%, with no copay required. Such preventive services in this category are periodic oral exams, x-rays and cleanings. To view the copay schedule, please click on Guardian HMO Plan Benefits.
Please click on Provider Directory Info at left to learn how to choose either your Primary Care Dentist or your PPO Dentist. Instructions are provided to assist you in finding a dentist for your plan choice. If you are choosing the HMO dental plan, please provide the office number of your dentist choice in the appropriate space in Section 6 of the enrollment form.
Guardian Dental PPO Plan
The Guardian Dental PPO Plan provides you 80% coverage for your preventive services, as oral exams, routine cleanings, x-rays, fillings, periodontic and endodontic procedures. This plan offers you the flexibility of seeing a dentist either in-network by choosing a dentist in the provider directory, or you may see a dentist of your choice out-of-network. Choosing a dentist within the Guardian provider directory will allow you to pay lower costs than if you seek services from a dentist not listed in the directory. There are over 450 in-network general dentists to choose from within ten miles of the Evanston campus, not including specialists such as endodontists and periodontists.
To access a detailed benefit summary, please click on Guardian PPO Plan Benefits.
Garnett-Powers & Associates, Inc. is pleased to offer a Northwestern University Postdoctoral Program Customer Service Representative, dedicated to this program. Please address benefit and enrollment questions to:
Garnett-Powers & Associates, Inc.
23361 Madero, Suite 240
Mission Viejo, CA 92691
Or call us Monday - Friday, 8 am - 5 pm Pacific Time
Toll free at 1-800-319-9557
Contact Northwestern Postdoc Program Services
We thank you for the opportunity to be of service to you and
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