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Learn More About Guardian

Guardian has been a trusted name in insurance for over 155 years. Today, we have one of the largest dental insurance networks in the country and our dentists can help you with significant savings on the dental care you need* Learn More About Guardian

Why do you need dental insurance?

A bright smile takes more than just brushing and flossing, but paying for dental care for you and your family can get expensive. Dental insurance lowers the cost of dental care, from preventive care to extensive, costly and often unexpected expenses, you're covered. Guardian is here to help.

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Visiting your dentist isn’t just about your teeth

Poor oral health has been linked to conditions such as diabetes, heart disease, and stroke. You can find information including articles on how your oral health care impacts your overall health, tools to access risks to your oral health and more here.  More info

You can choose the right plan for you

With Guardian, any plan you choose will provide you with comprehensive coverage and access to our large network. Our Plans

About the Affordable Care Act and Dental Insurance

Under the Affordable Care Act (ACA), insurers must provide coverage for 10 essential health benefits (EHBs). One of these benefits is for pediatric dental care for children under age 19, which is a comprehensive set of dental services, including diagnostic and preventative benefits such as oral examinations, x-rays, topical fluoride, and dental sealants, restorative services such as fillings, as well as coverage for major service such as oral surgery and crowns. All of Guardian's plans include the pediatric essential health benefits, and these services are covered without annual or lifetime limits when care is received in-network. And, in some states, coverage for medically necessary orthodontia may be included as well. Learn more

Guardian® PPO and Indemnity plans offered on this website are underwritten and issued by The Guardian Life Insurance Company of America or by Premier Access Insurance Company (AZ, CA, TX, UT).

Managed DentalGuard Dental HMO plans offered on this website are underwritten and issued by:

CA – Access Dental Plan (a California-licensed Knox-Keene Plan)
FL – The Guardian Life Insurance Company of America (issued as a Prepaid Limited Health Service Organization)
IL – First Commonwealth Insurance Company (issued under a Limited Health Services Organization license)
NY – The Guardian Life Insurance Company of America (issued as an Advance Payment Preferred Provider Organization)
TX – Managed DentalGuard, Inc.

Products not available in all states. Your benefit booklet will reflect the Guardian company that underwrites your coverage. Optional riders and/or features may incur additional costs. Limitations and exclusions apply. Plan documents are the final arbiter of coverage.

Important Information About Guardian® Indemnity and PPO Policies:

These policies provide dental insurance only. Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductibles may apply. Waiting periods may also apply for some services. These policies do not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatment to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment. These policies limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services. The services, exclusions, and limitations listed above do not constitute a contract and are a summary only.

For NY Residents only:

Guardian PPO policies provide DENTAL insurance only.  The expected benefit ratio for these policies are is 60%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.

Important Information About Guardian® Managed DentalGuard Dental HMO Plans.

These plans provide Pre-​Paid dental benefits through a network of participating general dentists and specialty care dentists. All covered services must be provided by the member’s Primary Care Dentist. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by the named underwriting company. Only those services listed in the plan are covered. Certain services are subject to annual or other periodic limitations. Where orthodontic benefits are specifically included, these plans provide for one course of comprehensive treatment per lifetime, per member. These plans do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date under the plan. The services, exclusions and limitations listed here do not constitute a contract and are a summary only.

Links to external sites:

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.