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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.

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:

1. Our robust network of dentists.

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.

2. Great savings.

Depending on the plan you choose, preventive care such as checkups and cleanings may cost you little or nothing. Since more advanced procedures like root canals or crowns are covered as well, you’ll experience further savings.

3. Plan options.

No matter what plan you have, you’re covered. 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.

In NJ only, residents also have the choice of an EPO plan where you can see any dentist that participates in our largest network of dentists.

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

Preferred Provider Organization (PPO) Plans

PPO plans allow members to take advantage of the entire Guardian network of providers and, if necessary, dentists out-of-network. Members with PPO plans pay a monthly premium and their plan covers a percentage of their dental costs after a deductible is met.

A PPO plan gives you the ability to visit any dentist—with no referrals needed for specialists—but you’ll see the most savings when you visit a dentist in-network. These plans also have an annual maximum for what they will cover each year.

Dental Health Maintenance Organization (DHMO) Plans

With a DHMO plan, you have to choose one dentist (or dental office) as your provider. Should the need to see a specialist arise, your primary dentist will refer you, in some cases specialty services may need to be pre-authorized by Guardian.

With a DHMO plan, you have no annual maximum and no deductible and instead pay a copayment, based on the dental service you received. These plans can be very affordable for both individuals and families because many diagnostic and preventive services often have no copayment. If you go to another dentist, however, you could be responsible for paying the entire bill yourself, so choosing the right dentist is important, currently our DHMO plans are only available in CA, FL, IL, NY and TX.

Exclusive Provider Organization (EPO) plan

In NJ only, residents also have the choice of an EPO plan. This plan enables you to see any dentist that participates in our entire Guardian network of dentists. You’ll have a larger network of dentists to choose from compared to a DHMO plan but like a DHMO plan if you go to a dentist that does not participate in our network, you could be responsible for paying the entire bill yourself.

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.

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

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