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Why Do I Need Dental Insurance?

Under the Affordable Care Act (ACA), dental insurance is an Essential Health Benefit for children. Get coverage for your children as well as the entire family with dental insurance from Guardian or one of its wholly owned subsidiaries. We offer a variety of plans, a nationwide dental network, and affordable rates.

Dental insurance is an important part of protecting your overall health and the health of your family. Brushing and flossing regularly will help you keep a cleaner mouth, but only a dentist and dental hygienists have the tools and ability to fully clean your teeth.

Without regular cleanings, bacteria build up in your mouth can lead to decay and cavities, and eventually tooth loss. Regular visits to the dentist are essential to not only prevent these problems, but also catch any problems that do exist before they cost you your smile.

The Guardian Life Insurance Company has been protecting our members for over 160 years. As a Guardian member, you’re getting more than just dental protection.

Here's what you're getting access to:

Our robust network of dentists

With over 120,000 providers at more than 410,000 locations nationwide, Guardian members have access to one of the largest preferred provider organization networks around. With a larger network, it’s more likely you’ll be able to save money with your current dentist or find a new dentist in your area.

Great savings

Depending on the plan you choose, preventive care such as checkups and cleanings may cost you little out of pocket. For advanced procedures, when covered, you will experience further savings.

PPO? DHMO? What do those mean? What’s the difference?

If you’re looking for greater value, you might want to consider one of our DHMO plans (available in select states). DHMO plans typically cost less, but require you to see the in-network dentist you selected.

If you prefer freedom and flexibility, you may choose to go with a PPO. With a PPO plan, you can see any dentist, but you save more when you stay in-network.

DHMO or PPO: What’s right for you?

If they're available in your state, DHMO plans offer greater savings but require you choose an in-network dentist. If you prefer the flexibility of seeing any dentist, you can choose a PPO, which may cost a little more.


Most affordable


Most flexible

DHMO or PPO: Which is right for you?

In short: DHMO plans typically cost less, but require you to see the in-network dentist you select. PPO plans allow you the freedom to see any licensed dentist, with greater savings when you stay in-network.

Don’t ignore your teeth! Take care of them at home, find a provider you trust to help you look out for and prevent any possible complications, and purchase dental insurance to help cover the costs. As a Guardian member, you’ll have access to our large network of dentists no matter which option you choose.

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