New Jersey Individual Dental Plans
Your teeth deserve the best dental insurance possible!
Choose a Guardian PPO or EPO plan and gain access to one of the largest dental networks nationwide. If you are in the market for a new dentist, it’s easy to find one near your home or office. Select between a PPO and EPO Plan:
PPO/EPO Plan: Guardian and its subsidiaries have over 124,000 dentists in over 363,000 locations*. Chances are your dentist is in our network.
*Guardian Internal Reporting 2017
You’ll also enjoy the cost savings. Good dental coverage should save you money. After all, isn’t that the point of having insurance? Depending on the plan you choose, preventive care such as check- ups and cleanings may cost you little or nothing. At the same time, you’ll also save on more costly and unexpected treatments like root canals and crowns.
See how you can save money when you see a dentist in Guardian’s network.
*Guardian Internal Reporting 2017
The average cost of a root canal, associated dental work and crown:
Cost with No
Dental Insurance
$2400
Cost with Guardian
Dental Insurance
$1600
Estimated Saving with a
Guardian In- Network Dentist
$800
*Source for cost of root canal/ crown: 2014 Guardian Reporting; this is an estimate only and prices differ based on location and dentist.
Choice of plan options
In some states, you may be able to choose between a PPO and DHMO plan. With a PPO plan you can see any dentist, but save more when you visit a dentist in your network. A DHMO EPO plan typically costs less, but you need to see the dentist you selected from the network.
Cost
Higher monthly costs
Mid-range monthly costs
Choice of dentists
Freedom to visit any dentist, but save more with in- network dentists
Freedom to visit any in-network PPO dentist. (No coverage for out-of-network services)
Payment for care
Pay an annual deductible and the plan pays a percentage of your costs once it’s met
Pay an annual deductible and the plan pays a percentage of your costs once it’s met.
Referrals for specialists
Not needed
Not needed
Annual maximum
Limited to how much the plan will cover each year
Limited to how much the plan will cover each year
The dental plans by Guardian offer all this and more.
Materials will be made available in alternate formats upon request.
Voice Phone: 1 (844) 561-5600
TTY: 1 (800) 947-6644
M-F 9am-9pm ET
See the available plans in your state below.
Click for more information.
| 2021 Plans |
| Overview |
Plan Name |
Eligible |
Description |
2021 Summary
2021 Plan Details
2021 Brochure |
Guardian Preferred for Families and Individuals |
All Ages |
- A comprehensive family plan, including adults and children.
- You are responsible for a percent of the total billed (coinsurance).
- You can go to any provider you choose.
- Out of Network benefits are not covered.
|
2021 Summary
2021 Plan Details
2021 Brochure |
Guardian Essentials for Families and Individuals |
All Ages |
- A comprehensive family plan, including adults and children.
- You are responsible for a percent of the total billed (coinsurance).
- You can go to any provider you choose.
- Out of Network benefits are based on a covered fee schedule.
|
2021 Summary
2021 Plan Details
2021 Brochure |
Guardian Select for Families and Individuals |
All Ages |
- A comprehensive family plan, including adults and children.
- You are responsible for a percent of the total billed (coinsurance).
- You can go to any provider you choose.
- Out of Network benefits are based on a covered fee schedule.
|
2021 Summary
2021 Plan Details
2021 Brochure |
Guardian Basics for Families and Individuals |
All Ages |
- A family plan, including adults and children, that provides coverage for preventative and basic services.
- You are responsible for a percent of the total billed (coinsurance).
- You can go to any provider you choose.
- Out of Network benefits are based on a covered fee schedule.
|
2021 Summary
2021 Plan Details
2021 Brochure |
Guardian Preventive Plus for Families and Individuals |
All Ages |
- A PPO Plan for families that provides coverage for preventive and basic services.
- You can go to any provider you choose.
- Charges for services provided by participating dentists are reimbursed directly from Guardian.
- Get most preventive services, such as oral exams, cleanings and x-rays covered at 100% once the annual deductible has been reached.
|
