Page 10 - Catasys Benefit Guide 2020-2021

Dental & Vision Benefits | Employee Assistance Benefits

Dental Insurance Vision Insurance

Guardian | DHMO Dental Plan Guardian | Voluntary Vision Plan
With the Dental Health Maintenance Organization (DHMO) plan The Guardian vision plan provides professional vision care and
through Guardian, you are required to select a general dentist to high quality lenses and frames through a broad network of
provide your dental care. You will contact your general dentist optical specialists. You will receive richer benefits if you utilize
for all of your dental needs, such as routine check‐ups and a network provider. If you utilize a non‐network provider, you
emergency situations. If specialty care is needed, your general will be responsible to pay all charges at the time of your
dentist will provide the necessary referral. For covered appointment and will be required to file an itemized claim
procedures, you'll pay the pre‐set copay or coinsurance fee with Guardian.
described in your DHMO plan booklet. Please keep a copy of
your booklet to refer to when utilizing your dental care. This will
show the applicable copays that apply to all of the dental
Finding In-Network Vision Providers
services that are covered under this plan.
Go to www.guardiananytime.com or call (888)

Guardian | PPO Dental Plan 600-1600. Refer to the VSP network when
prompted.
With the Guardian Preferred Provider Organization (PPO)
dental plan, you may visit a PPO dentist and benefit from
the negotiated rate or visit a non‐network dentist. When
you utilize a PPO dentist, your out-of-pocket expenses will
be less. You may also obtain services using a non-network
dentist; however, you will be responsible for the difference Employee Assistance Program
between the covered amount and the actual charges and The Employee Assistance Program (EAP) through Magellan
you may be responsible for filing claims. provides you and your household members with free,
confidential assistance to help with personal or professional
problems that may interfere with work or family
*Guardian will roll over a portion of your unused annual responsibilities and obligations. Services are available 24 hours
maximum into your personal Maximum Rollover Account a day, 7 days a week via a toll-free nationwide number. You
(MRA). If you reach your Plan Annual Maximum in future and your household members can also receive 3 face-to-face
years, you can use money from your MRA. To qualify for an counseling visits.
MRA, you must have a paid claim (not just a visit) and must
not have exceeded the paid claims threshold ($700) during
the benefit year. Your MRA may not exceed the MRA limit. Accessing the EAP
You can view your annual MRA statement detailing your To access EAP benefits,
account and those of your dependents on
www.GuardianAnytime.com. www.magellanAscend.com or call
(800) 523-5668
To access the website:
Employees/members would need to enter
Note: We strongly recommend you ask your dentist
“Catasys” as the company and then create a
for a predetermination if total charges are expected
user name and password.
to exceed $300. Predetermination enables you and
your dentist to know in advance what the payment
will be for any service that may be in question.

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