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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.
Even a simple trip to the dentist costs money, however, and with a family or more serious issues, the costs can quickly add up. That’s where dental insurance comes into play. A dental insurance plan from Guardian can help cover the cost of basic dental services as well as most costly procedures.
The Guardian Life Insurance Company has been protecting our members for over 155 years. As a Guardian member, you’re getting more than just dental protection. You’re getting access to:
With over 130,000 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 new dentist in your area.
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.
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.
|Cost||Higher monthly costs||Lower monthly costs|
|Choice of dentists||Freedom to visit any dentist, but save more with in-network dentists||Must see selected in-network dentist for benefits to apply|
|Financial Responsibility||Pay an annual deductible and the plan pays a percentage of your costs once it’s met||You pay a set co-pay at each visit, so you know exactly what it will cost|
|Referrals for specialists||Not needed||Are needed|
|Annual maximum||Limited to how much the plan will cover each year||No annual maximum|
In short: DHMO plans typically cost less, but require you to see the in-network dentist you select. For an EPO plan (NJ only), you must see any dentist that participates in our large PPO network of dentists. 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 and comprehensive coverage, no matter which option you choose.
Guardian has been a trusted name in insurance for over 160 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
Whether you're looking for a new plan or are an existing member, we're here to help.