Higher Education And Research

More than 600,000 students are enrolled in New York City’s more than 120 higher education institutions, the highest number of any city in the world, with more than half a million in the system alone as of 2020, including both degree and professional programs. According to , New York City has, on average, the best higher education institutions of any .

The city also hosts other smaller private colleges and universities, including many religious and special-purpose institutions, such as: , , , , – Manhattan, , , , , , , , , , and .

Much of the in the city is done in medicine and the . In 2019, the New York metropolitan area ranked first on the list of cities and metropolitan areas by share of published articles in life sciences. New York City has the most postgraduate life sciences degrees awarded annually in the United States, with 127 having roots in local institutions as of 2005 while in 2012, 43,523 licensed physicians were practicing in New York City.

Major biomedical research institutions include , Rockefeller University, , , , and , being joined by the / venture on . The graduates of in the Bronx earned the highest average annual salary of any university graduates in the United States, $144,000 as of 2017.

We Care About Protecting More Than Your Teeth

Guardian makes it easy for members to access quality preventive dental care because of its clear connection to overall health, as well as the savings gained by avoiding major services and dental procedures down the line. With good oral care, people are 67% less likely to have heart disease, 50% less likely to have osteoporosis, and 29% less likely to have diabetes8.

Features Of An Individual Accident Insurance Plan

Not all accident insurance plans are the same. Like any purchase, it is a good idea to shop around before settling on a final product. Insurance carriers offer different coverage amounts at different premiums and what is covered on one plan isnt always covered on another.

When you purchase a supplemental accident insurance plan there are a couple of common features that are important to keep in mind.

One feature that sets accident coverage apart from other types of insurance is that it is easy to get signed up. Getting a quote and policy for accident insurance is a no-hassle process and there are guaranteed issue options that allow you sign up without hesitation and with no approval needed. This means no medical exams are required when signing up for certain accident insurance policies. The reason for this is that your personal health doesnt really impact the likelihood of getting injured in an accident.

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As You Enroll In Health Insurance You Can Separately Purchase Dental Insurance From Guardian Direct At Any Time

If you are searching for affordable health, dental, and vision insurance it can be hard to know where to start. There are lots of options and features to consider before making a final decision. With some research and preparation, you can choose a plan that works for you. Purchasing health, dental, and vision insurance for you and your family is a step towards helping ensure that you and your family stay healthy. Seeing a dentist regularly is a key step in maintaining good oral health¹, and having dental coverage makes it easy to get preventative care that you need. However, before choosing a plan, it is important that you understand the ins-and-outs of insurance and how it works before making any decisions so that you only are paying for insurance that you will use.

Guardian Health Exists To Protect The Health Of Those In Our Communities

Our Values

We hold each other and ourselves to a higher standard.

Transparency

We believe in honesty and clear communication, 100% of the time.

Collegiality

We believe a healthier, fun workplace is a stronger one.

Passion

We believe in our mission and aggressively pursue excellence.

Innovation

We believe in pushing boundaries for the benefit of our patients and our team

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Guardian Life Insurance Review 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.

Bottom line: Guardian stands out for lower than expected consumer complaints and coverage for buyers living with HIV.

Guardian Life Insurance Co. is a mutual insurance company, meaning its owned by its policyholders. Customers who buy whole life insurance can share in annual dividends. The company has paid dividends every year since 1868, and in 2021 paid $1.05 billion to policyholders

Guardian Life earned 5 stars out of 5 for overall performance. NerdWallets ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Based on these ratings, Guardian Life is among NerdWallets Best Life Insurance Companies.

Family Accident Insurance Coverage

With Guardian Direct® you can sign up either as an individual or you can extend your coverage to cover your whole family. No two families are alike, and it is important to consider your familys health coverage and injury risk before signing up. Covering your family will typically increase your premium but it also provides gap coverage for you whole family, meaning that if there is an accidental injury you are covered.

Accident insurance is especially useful if you are a parent and your children are active. Kids are accident prone, in fact almost 1 in 5 children will visit the emergency room each year. Covering your children with accident insurance can help ensure that you are not stuck with large bills.

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Guarding Your Peace Of Mind

Why choose Travel Guardian Insurance? We pride ourselves on being able to offer travel insurance to virtually anyone while never compromising on quality of care. Our knowledgeable and dedicated team will work diligently with our clients to strive for the best coverage plan, cost and overall experience each and every time.

Are There Affordable Health Dental And Vision Insurance Plans

One of the most important factors that you should consider when purchasing any insurance plan is affordability. Guardian Direct® offers both dental and vision plans at different levels of affordability. The most affordable dental plan through Guardian are the entry-tier plans. These give you the basic coverage that you need while remaining within a budget. If you are looking for affordable health insurance, you can find many suitable options on Healthcare.gov.

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The Customer Service Experience

Since Guardian dental insurance is available nationwide, its customer service experience varies. The company claims it focuses on service and value, making it a smart choice for dental coverage. When choosing Guardian, you can benefit from one of the nations largest and strongest networks with a 99% member satisfaction rate and a 99.7% claims accuracy rate, according to the company.

Guardian Insurance Plans & Coverage

Regardless of your employment status, you can enroll in an individual or family dental insurance plan from Guardian for as little as $20 a month. You can also enroll in a Guardian dental policy with guaranteed acceptance and instant approval in minutes.

Guardian Direct offers four dental plan tiers to cover its customers diverse needs and budgets.

• Brokerage accounts and investment solutions

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Why Children Need Coverage

Poor eyesight can lead to misdiagnosis of learning and psychiatric disorders, which can result in behavioral problems.3

Vision insurance plans complement health insurance because preventive eye care is essential to your overall health. Vision problems are the fourth most prevalent disability in the United States and one of the most prevalent conditions in childhood.2

Even if you have perfect eyesight, it’s important to have regular eye exams to make sure you still see clearly. Most of us eventually need vision correction.

It covers routine eye exams and helps pay for glasses, contact lenses – things not typically covered by health insurance.

Vision care is vital to overall health, and coverage helps encourage an annual eye exam. It also makes glasses and contacts easier to afford.

The Guardian Life Insurance Company Of America

The Guardian Life Insurance Company of America is one of the largest mutual life insurance companies in the world. Based in Manhattan, it has approximately 8,000 employees in the United States and a network of over 3,000 financial representatives in more than 70 agencies nationwide. As of 2018, it ranks 239th on the Fortune 500 list of largest American corporations by revenue. In 2015, Guardian achieved the highest earnings in its 155-year history with $7.3 billion in capital and $1.5 billion in operating costs. Founded in Manhattan in 1860, the company offers a wide range of insurance products and services, including life insurance, disability income insurance, annuities, investments, and dental and vision insurance coverage.

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What Is Vision Insurance

Insurance for vision helps protect the health of your eyes. How? Vision insurance plans cover routine eye examinations and help pay for glasses, frames, and contact lenses. Even if your eyes don’t need correction, modern life and digital screens can create stress and problems for your eyes. Regular eye examinations are also important for general health because they can detect diseases like glaucoma and diabetes.1 That’s why everyone in the family needs it.

Primary And Secondary Education

The system, managed by the , is the largest public school system in the United States, serving about 1.1 million students in more than 1,700 separate primary and secondary schools. The city’s public school system includes nine to serve academically and artistically . The city government pays the to educate a very small, detached section of the Bronx.

The New York City Charter School Center assists the setup of new . There are approximately 900 additional privately run secular and religious schools in the city.

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Average Cost Of Health Dental And Vision Insurance & Related Insights

The average cost of insurance is very dependent on plan level and your own personal situation included but not limited to your state of residence. However, in general, when you purchase insurance with higher deductibles and out-of-pocket expenses you typically will have a lower premium and plans with lower deductibles and out of pockets have higher premiums². No matter what type of insurance you need it is important to do research and understand the ins-and-outs of any plan that you may purchase. For health insurance questions healthcare.gov is a great resource. For dental insurance questions Guardian Direct® has an extensive library of resources designed to help you to understand dental insurance and how it works. Having a basic knowledge of how insurance works will enable you to make the best choice that you can when it comes to dental and vision insurance. Being an informed insurance shopper also can save you money in the long run. This is why it is important to do research before you choose a dental insurance carrier such as Guardian Direct®. *Costs vary by state and available plan type selected.

Looking For Accident Plans

Individual accident insurance is insurance that helps cover your out of pocket needs in the event that you are injured in an unforeseen accident. Although accident insurance doesnt cover health issues like sickness or disease, it does cover many different injury and treatment types typically including:

• Injuries covers accident-related lacerations, burns, broken bones, dislocations, concussions, coma, surgery, loss of limbs, and death.

• Ambulance Services covers both regular ambulance rids and air ambulance.

• Emergency Care covers urgent care doctors visits, emergency room fees, and follow-up doctors appointments.

• Diagnostic tests covers MRIs, CT scans, X-rays, and EEGs.

• Hospital Treatment covers hospitals stays, including in intensive care units . Restorative Treatment — covers prescribed appliances, prosthetics, injury-related dental crowns or extractions, and injury-related eye surgery or object removal.

• Rehabilitation Treatment covers physical therapy sessions and rehabilitation center stays.

Accident insurance coverage is considered a gap insurance, meaning that it helps cover expenses that may not be covered by your primary health insurance. Gap insurance policies are not meant to replace primary health insurance, and typically will cover items that are not covered by your health insurance.

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Guardian Ratings And Reviews

Guardian is not accredited with the Better Business Bureau but has a rating of A+. According to the BBB, Guardian has had a total of 117 complaints filed against it in the last three years, 54 of which were closed in the last 12 months.

When it comes to reviews of Guardians dental insurance specifically, one customer gave the company 5 out of 5 stars. I have been with Guardian for years, she wrote. They are great and so quick to take care of claims. I would recommend their dental insurance to anyone. Another customer gave Guardian a 5-star rating as well, describing the enrollment process as easy and the coverage as very affordable.

On the other hand, another reviewer gave Guardian 2 out of 5 stars. When we retired, we had to find dental coverage. Guardian was as close as we were going to get to the coverage we enjoyed during our working years, she wrote. Now, a couple of years in, it is costing us more for dental visits than ever. Our premium is more than we ever paid, and were not getting the same value of coverageOn a positive note, at least we both still have our teeth.

Life Insurance Buying Guide

Before you start comparing companies, choose the type of life insurance you want, such as term or whole life. Decide which life insurance riders, if any, you want the policy to include. Calculate how much life insurance you need and how long you want the coverage to last. Check that the insurers youre considering offer the coverage youre looking for.

When comparing rates, be sure the quotes are for the same amount of coverage over the same period of time. Its also important to make sure the policys medical requirements match your needs. For example, if you want to skip the life insurance medical exam but dont mind answering health questions, confirm that the application process for each policy you’re comparing aligns with that.

Price may not be the biggest driver behind your decision to buy. Look at the number of consumer complaints each company receives, as high numbers can be a red flag about the quality of service.

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Accident Insurance Policies & Insights

For people who need more coverage than offered by a single plan it is possible to purchase multiple accident insurance policies. This could be particularly useful if your employer offers a voluntary accident plan and you need more coverage. You could purchase a supplementary accident policy, on top of the voluntary plan, giving you a higher cash benefit overall and more flexibility.

Making sure that you and your family are covered in case of an accidental injury is important to maintain and help reduce financial stress. However, purchasing insurance can seem complicated. With Guardian Direct® resource library you have the ability to make an informed decision when buying a supplemental accident insurance policy.

How Can You Find The Best Accident Insurance Plan That Works For You

If you are shopping around for accident insurance, there are a few common considerations to think about before signing up. Some of the questions that you might ask are:

• Can I sign up without a medical exam? You want to find a plan that doesnt require you to get a medical exam if possible. This saves you the time and hassle of going to the doctor, as well as any fees associated with a doctors visit.

• Is it easy to file a claim? Accident insurance is only useful if you can use it. When an injury occurs the last thing that you want to think about is jumping through hoops to file a claim. When shopping for accident insurance look for companies that offer online, no-hassle, claim filing.

• What is and is not covered by the plan? Not all plans will cover the same injuries and treatments. It is important that you understand what your plan covers and what it does not, before committing to a plan.

• How quickly will I receive my benefit? Having an accident policy does you no good if you cannot get funding in a timely manner. You should look for a plan that has a quick turnaround when it comes to getting funds out.

• How will the benefit be paid out? It is important to know how your benefits will be paid out. Some benefits are paid as a lump sum and others are paid out on a monthly basis. Understanding how funds are distributed can help you to plan out your finances in case of an accident.

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Need More Information Here Are Resources To Help You Learn And Compare

4, 2020

Brought to you by The Guardian Life Insurance Company of America , New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice. Although the information has been gathered from sources believed reliable, please note that individual situations can vary, therefore the information should be relied upon when coordinated with individual professional advice.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

DentalGuard 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. This policy provides DENTAL insurance only. Policy Form #GP-1-DG2000, et al.

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