Guardian/First Commonwealth (DHMO)
Similar to an HMO plan, Guardian/First Commonwealth is a dental managed care plan (DHMO) with its own network of dentists. Under this plan it is not necessary for you and your family to use the same dentist, but the dentist must be a member of the Guardian/First Commonwealth network. There are no out-of-network benefits with this plan.
You must decide which dental providers you and your family will use at the time of enrollment. If you decide to change your dentist you must first call Guardian/First Commonwealth at 1-866-494-4542. The change process takes approximately 20 days. An up-to-date list of the names and locations of participating dental providers may be found at their website: www.guardianlife.com.