Your Insurance Coverage

Health Insurance

Understanding your Anthem Explanation of Benefits (EOB)
When Anthem receives a claim from your provider, they generate an Explanation of Benefits (EOB) that include...
How can I find prices for my prescription drugs?
Since we are on a Health Savings Account (HSA) plan, prescription drug co-pays only apply after you have met...
Does Anthem have a mobile app?
Yes! Anthem uses the Sydney Health App. With Sydney you can find care and check costs, view claims, your dig...
What's a Health Savings Account (HSA) plan?
A Health Savings Account (HSA) plan is a high-deductible plan that also includes a tax-free HSA. You can put...
Why is my provider billing me?
Believe it or not, the majority of medical bills contain errors. If you receive a bill from a provider that ...

How do I find a Dentist in the Guardian Network?
Anyone can search for a dentist in the Guardian Network. Follow the steps below to find a dentist in your ar...
How do I read the Dental Explanation of Benefits (EOB)?
When you have services that are provided and processed through your Guardian dental plan we will issue you a...
How do I determine if my Guardian Dental plan is primary or secondary?
When an individual is covered by more than one Dental plan, the Coordination of Benefits (COB) provision all...
How are orthodontic claims paid?
Orthodontic benefits are issued throughout the length of treatment in equal quarterly installments while the...
How do I view the status of my dental claims?
To view your dental claims status, follow these steps in Guardian Anytime. From the menu options, select ...
Does my dental plan cover the removal of wisdom teeth?
The removal of wisdom teeth is an Oral Surgery benefit. As a member, you can verify if your plan includes th...

How do I view my Vision benefits?
As a member, you can view your Vision benefits by following these steps in Guardian Anytime. From the menu...

What is age redetermination?
The Voluntary Life insurance offered through Guardian is subject to rate changes during annual renewal or op...
How do I view or update my beneficiaries?
Employee Navigator is the primary record for beneficiary designations in the event of an untimely death. In...
How do I submit a Guardian Evidence of Insurability (EOI) form?
When an employee requests coverage that requires additional underwriting, Guardian will inform the employee...
How do I view my Life Insurance coverage and benefits?
Members can view their Basic Life and Voluntary Life Insurance coverage and benefit information on Guardian ...
What is guarantee issue for life insurance?
Guarantee issue refers to the amount of voluntary life coverage permitted without additional medical underwr...

How do I submit a Disability claim?
You can file a Short Term Disability (STD) claim either online or by completing a paper claim form. Online ...
What is the return to work process for Short Term Disability (STD)?
If you will return to work after a disability, you must call Guardian at 800-268-2525 and provide the applic...
What is a Disability elimination period?
An elimination period, also referred to as the benefit waiting period, is the length of time a member must b...
How do I find or submit forms on Guardian Anytime?
You can access and submit various forms, including claim forms and evidence of insurability (EOI) forms, onl...
Can I set up a direct deposit for Guardian claim payments?
Guardian offers an option for direct deposit of claim payments for Short-Term Disability (STD) and Long-Term...
Can claims be submitted before going out on disability?
There are instances when a future disability is known. For example, maternity delivery, planned surgical pro...

How do I add charges to an existing claim for Accident Insurance?
Submitting additional bills for an existing Accident, Cancer or Hospital Indemnity claim can be done with or...
How do I file an Accident claim?
You can submit your Accident claim online, by phone or by completing a paper form. Online process In Guard...

How do I add or remove authorization for someone to view my Guardian claims information?
A member or covered dependent may grant authorization to others to view their Guardian claims information. T...
How can I submit information to Guardian securely?
To submit information through Guardian’s Secure Channel, follow these steps. In Guardian Anytime, under th...
How long will Guardian take to process my claim?
Each claim is evaluated based on its own merit, and the time needed to reach a decision will vary depending ...
How do I access Guardian Anytime online?
Members or dependents can access Guardian Anytime for online support. Follow the steps below to register. ...
What if I forgot my Guardian Anytime Username?
Once you have registered for Guardian Anytime, members can retrieve their username anytime. Follow the steps...
How do I reset my Guardian Anytime Password?
Once you have registered for Guardian Anytime, users can reset their password anytime. Follow the steps belo...