If you need implants or a family member needs orthodontic care, confirm these are covered by your plan. Consider the percentage the plan will cover of each type of service, the plan’s waiting periods, the deductibles and the plan’s annual maximum. If not, you might want to choose a dental insurance plan that includes your dentist as an in-network provider.Īs you compare plans, look at more than the monthly costs. If you have a preferred dentist, check to see whether they’re in-network with Guardian. Guardian could be the best dental insurance if you like the flexibility of a PPO and don’t mind a waiting period. Is Guardian Dental Insurance Right for You? You’ll also have a higher maximum benefit after your 1st year of coverage. If you anticipate dental work in the future, it’s best to buy a policy now so you can meet the 6- or 12- month waiting period. Keep in mind that Guardian has a waiting period for certain services. But the process of purchasing coverage is easy, and you have maximums that increase the longer you have your policy. Its mobile app isn’t the most functional, and it could offer more information on claims and more customer service options. Guardian offers affordable dental insurance plans that cover a range of dental services. Replacement of a lost, missing or stolen dental appliance or prosthesis.Services performed on teeth with a poor prognosis.Cosmetic procedures like teeth whitening.Treatment for job-related injuries (these are usually covered under workers compensation).
Like all insurance companies, there are limits to what Guardian will cover.
The Bronze Plan pays a maximum of $500 during your 1st year, up to $750 during your 2nd year and up to $1,000 during and after your 3rd year with Guardian. Dental implants have a lifetime maximum of $700. The Silver Plan pays a maximum of $500 during your 1st year, up to $750 during your 2nd year and up to $1,000 your 3rd year and after. Orthodontia has an annual maximum of $500 and a lifetime maximum of $1,000. Implants have a lifetime maximum of $1,000. After that, the maximum payout is $1,500. With the Gold Plan, during your 1st year, it pays a maximum of $1,000. This is the most Guardian will pay in a year. Guardian, like most dental plans, also has a maximum payout. All other services have a $50 deductible. For example, all 3 plans have a $0 deductible for preventive care received from an in-network dentist. It’s also the least expensive.Įach plan has a deductible, which is the amount you’re required to pay before Guardian starts paying.
Basic care at 70% with a 6-month waiting period.Preventive care at 100% with no waiting period.Gold offers the most comprehensive coverage.Each has different benefits and coinsurance. Guardian offers 3 plans to the general public. Major care, such as bridges, dentures, crowns, complex extractions and oral surgery.Basic care, including fillings and simple extractions.Preventive care like oral exams, cleanings, fluoride treatments, sealants and x-rays.Guardian Dental Insurance plans cover several types of dental care, including: Guardian also offers plans with orthodontic care (braces) and regular, preventive service for families. While everyone should consider dental insurance, Guardian’s affordable plans are especially good for young adults who might have a limited budget and limited dental care needs. Guardian also offers teledentistry, so you can consult with a dentist from home if you’re experiencing issues. HMOs may not pay if you see an out-of-network dentist. Guardian also offers HMOs through employers. The plans that Guardian sells directly are PPOs, which means you can see dentists outside the network, but you’ll pay more than if you see an in-network dentist. Guardian’s plans start at just over $8 per month. It offers a range of plans so you can choose a plan that fits your budget and your dental needs. Guardian has an extensive network of more than 120,000 providers. It covers basic and preventive care, as well as more advanced services like root canals, crowns, bridges and dentures. Guardian provides comprehensive dental insurance you can buy independently or through your employer.
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