![]() ![]() Life product is not available to members living in Puerto Rico and availability may vary by state. Program restrictions and exclusions apply. Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Vision Policy form series numbers NVIGRP 11-13, NVIGRP 5-07 and NVIGRP 2020. Vision insurance products administered by Vision Service Plan Insurance Company. Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX and NM (effective 11/1/22). Dental policy form series numbers NDNGRP 04/06, NDNGRP 2010, and NDNGRP 2020. TERRIBLE customer service.Dental and vision insurance products underwritten by National Guardian Life Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). ![]() Well they took my money the same day, then I find out after that they refuse to waive the waiting period which I have been asking about for months. Was told it would be taken Dec 26-30 and I can cancel anytime. In the process at one point I did sign up to continue before I knew there would be a long waiting period, and come to find out the agent didn't even complete the process, they took my bank number and everything to process the fee. Why pay when you get no benefits! Customer service has no knowledge at all, everyone I spoke to insured me they would call me back with answers the next day, never got a call. I never had to wait with any company, especially if I was already a member, so I was left with 8000.00 fees out of my pocket to finish my implant, because this greedy company would not let me pay for their insurance without having to wait. They said if I continue with them there would be a 9 month waiting period, ridiculous, I was already receiving insurance from them. On hold for hours each time.Īll I wanted to do was continue with them and pay for plan myself rather than my work pay, so my procedure would be completed. I called Guardian for weeks, and not one person there was competent, I was switched from one agent to the next, called 15 times. My work decided to switch insurance at beginning of year. I didn't have a waiting period, had a procedure approved. WORST dental insurance ever! I had this because that's what was offered at my work. Get special offers, advice and tips from Retirement Living delivered to your inbox. We do this to help you identify companies that will meet your specific buying needs, and we do not receive compensation for these designations. Great Value) based on our staff's judgment. Retirement Living independently researches companies, and we use editorial discretion to award companies with special recognition (i.e. As an Amazon Associate Retirement Living earns from qualifying purchases. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear. ![]() Retirement Living will not include companies on our guides that do not meet our quality standards. However, Retirement Living independently researches companies, and the compensation we receive does not affect the analysis of our staff. We may receive compensation from our partners. As a result, we provide our buyers guides and local guides free for consumers. We believe everyone deserves to make thoughtful, informed purchase decisions. We may earn money from our partners when you click a link, complete a form or call a phone number. Advertising Disclosure × Advertising Disclosure ![]()
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