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Brighter benefits for a bolder workforce

Clear information. Quality coverage. Easy access. Our benefits cover exactly what you need—and more.

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Your benefits experience

Expect more from your benefits

Make the most of your benefits with easy online access, clear information, and help from real people when you need it.

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What to expect as a Beam member:

Dental, vision, life, disability, accident, hospital indemnity, and critical illness to protect you during all of life’s twists and turns

Plans that are easy to understand and even easier to use

24/7 online access to your member information, coverage details, and more

Real support from a team of real people when you need it

An online Find a Provider tool to help you get excellent care and save on out-of-pocket costs

Rewards# for consistent wellness habits through our Beam Perks* program

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Beam Perks

Your wellness is rewarding

Beam members can earn rewards for consistent wellness habits. Earn products from the Beam shop and gift cards from your favorite brands.

Visit an in-network provider and save

Your claims questions answered

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Brush with Beam

Two great brushes, one easy way to earn

Eligible Beam members can receive the Beam Brush for free through our Beam Perks program. For a sonic toothbrush with more features and functionality, members can purchase the Beam Brush Pro. Both can be connected to track healthy brushing habits and earn points.

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Shop Beam and redeem rewards

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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). Dental policy form number NDNGRP 2020 and vision policy form number NVIGRP 2020. Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX, NM, and NV (vision only). Dental coverage applicable to policy form GDTL AO L20, or state equivalent and vision policy form GVIS AO L20, or state equivalent. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company. 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). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent. Life product is not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness insurance products are 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). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not available in all states.

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THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.


National Guardian Life Insurance Company, Madison, WI, is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.


Nationwide and Beam Insurance Services LLC are separate and non-affiliated companies.


National Guardian Life Insurance Company, Two East Gilman, Madison, Wisconsin 53703


Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215


Vision Service Plan Insurance Company, 3333 Quality Drive Rancho Cordova, CA 95670

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DHMO dental product available in CA, underwritten and administered by California Dental Network, marketed by Beam Insurance Services LLC. Beam Perks™ and Beam Perks rewards program not available for DHMO product members.

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Beam Perks™ is provided by Beam Perks LLC. Eligible members age 4 and up at the time of enrollment are eligible to receive Beam Perks™ and must select their Beam Brush color within 45 days of enrollment to participate. If you do not have a mobile device you can obtain Beam Perks™ by contacting Customer Operations at 1-800-648-1179. Beam Perks™ can be obtained separately without the purchase of an insurance product by contacting Customer Operations at 1-800-648-1179. Beam Perks™ may be changed at anytime without notice and is subject to availability. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for Terms and Conditions.

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Beam Perks™ is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult with an appropriate health care professional to determine what may be right for you. Rewards may be taxable. You should consult with an appropriate tax professional to determine if you have any tax obligations from receiving rewards under this program. If any fraudulent activity is detected (e.g., misrepresented brushing activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. Contact us at 1-800-648-1179 and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Availability and rewards may be limited due to incentive limits under applicable law. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for full program Terms and Conditions.

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Start a conversation with Beam.

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To access your digital insurance card:
  • Log in to your Beam account
  • Click “Plan info”
  • Select your option on the right to print or view your card. You can also request a physical card.
Please use the provider portal for 24/7 access to patient eligibility information. You can also call us at 800-648-1179 and select “1" to use our virtual agent fax back option.
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Give us a call at 1-800-648-1179.