Guardian Direct believes everyone deserves access to great dental insurance.
That's why they keep their plans simple & surprisingly affordable.
Get an overview of Guardian Direct below or click here for a list of Guardian Plans carried by DentalInsurance.com
Why Choose Guardian for your dental?
Most plans in most states offer no Waiting Period for Preventive and Basic Care.
Prices are surprisingly affordable. Dental plans start at $15/month and you can cancel anytime.
With 130,000+ dentists to choose from, there's a good chance you'll be able to keep seeing your current dentist
Our best-selling Guardian Direct Dental plans
Who is Guardian®?
Guardian Direct knows a lot about insurance. Backed by one of the industry's most stable companies, they bring the best of Guardian's 160 years directly to you. See why DentalInsurance.com has proudly partnered with Guardian Direct for the past 12 years.
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Guardian Direct keeps things quick, easy & all about you
- Access to one of the largest networks in the U.S.: With 130,000+ dentists to choose from, there's a good chance you'll be able to keep seeing your current dentist. Looking for something new? Their online tools make it quick and easy to find in-network providers near you.
- Spend less out-of-pocket: Guardian Direct plans help customers save up to 40% off standard dental rates in-network.*
- No Waiting Period for Preventive or Basic Services in most states: Most plans in most states offer no Waiting Periods for Preventive and Basic Care. Access benefits like fillings, simple extractions, cleanings & more as soon as your coverage starts with their Core, Achiever & Diamond plans.
- Guaranteed Approval: Enroll online and get approved in a few minutes. It's 100% guaranteed! No enrollment fees. Cancel whenever.
- Four plans designed with you in mind: : Explore comprehensive dental plans that cover cleanings, exams, X-rays, root canals, crowns, implants, dentures, braces, teeth whitening, and more.
Guardian Direct customers have 24/7 access to an online Member Portal, where they can:
- Access digital ID cards & add to Apple Wallet
- View policy information and manage premium payments
- Access dental claims
- Locate local in-network dentists
Members also have access to a customer support team via phone, email, or chat (M-F 9am-9pm ET).
Guardian Direct is part of the Guardian Life Insurance Company of America. Guardian Direct empowers you with benefit flexibility, mobility, and stability through an individual benefit platform, leading with dental. You can find additional products here.
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DentalInsurance.com (DI.COM) is a third-party broker available to help you enroll in a Guardian Direct dental plan. DI.COM is a wholly-owned subsidiary of Kelsey National Corporation.
Costs vary by state and plan type selected. Some plans may not be available in all states.
*Savings based on Guardian Internal Effective Discount Reporting measured against the Fair Health mean.
Guardian products are those identified as having been issued or underwritten by The Guardian Life Insurance Company of America® (Guardian) or a named Guardian owned subsidiary. Products or services advertised or offered by non-Guardian companies on Guardian’s website(s) are subject to each company’s participation requirements which Guardian does not control. Guardian assumes no responsibility for non-Guardian products or services offered by DI.COM.
Guardian Direct plans are underwritten and issued by The Guardian Life Insurance Company of America New York, N.Y. or it's subsidiaries. Products are not available in all states. Policy limitations and exclusions apply. Waiting periods and deductibles vary by state, and by plan type. Coverage begins on the first of the month following enrollment. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. Dental provider networks vary by state, by market and by plan type."
GUARDIAN®, the GUARDIAN G® logo and Guardian Direct® are registered service marks and registered trademarks of The Guardian Life Insurance Company of America and are used with express permission.
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Understanding Dental Insurance Costs & Saving on Dental Care
We hope you enjoyed our article on Guardian Dental. While reading, you may have noticed that dental insurance has its own language for dental insurance costs. Some of the most important terms are financial: premium, deductible, copayment, and coinsurance. The better these terms are understood, the better you’ll be at shopping for bargains among dental insurance plans.
The monthly fee an enrollee pays for insurance coverage is known as a premium, and the amount you need to spend on your own before the insurance company begins to pay for care is known as a deductible. Fees for dental services paid for by the patient (called "out-of-pocket costs") typically come in the form of copayments or coinsurance fees. A copayment is a fixed dollar fee for a service. For example, if a dental plan requires you to contribute a flat fee of $50 for a filling, that amount is a copayment.
If a dental plan requires you to contribute a percentage of the overall cost, that percentage is a coinsurance fee. For example, a dental plan may state that the insurance company's coinsurance rate for a filling is 70 percent. This means the consumer's coinsurance fee for the filling equals 30 percent of the filling cost. For example, if a dentist charges $100 to perform a fill for the consumer then the consumer would pay the remaining $30 out-of-pocket under this dental plan scenario.
Never use the premium alone to decide what dental plan is right for you. In some cases, the combination of deductible, copayments, and coinsurance fees, and uncovered services can exceed what you pay annually in premiums, and a plan with a higher premium but lower-out-of-pocket costs may produce lower annual dental spending. For a more comprehensive discussion of the issues surrounding dental plan costs, see our article "Dental Insurance Cost."