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Guardian Direct Dental Insurance

Guardian Direct has affordable options for individuals & families

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Who is Guardian Direct®?

Guardian Direct believes that everyone deserves access to great dental insurance—no matter how, where, when, or if you work. That's why they made it their mission to bring you smart, simple coverage with a human touch.

Guardian Direct keeps things quick, easy & all about you

  • Access a large network of dentists: Guardian Direct's dental coverage is accepted by 120,000+ dentists nationwide.
  • Spend less out-of-pocket: Guardian Direct plans help customers save up to 35% off standard dental rates in-network.
  • Customize your coverage: Choose from multiple plan options, benefits levels, and price points.
  • Prioritize preventive care: Most plans cover 100% of preventive care expenses, including routine exams, periodic teeth cleanings, and X-rays.

Guardian Direct customers have 24/7 access to an online Member Portal, where they can:

  • Download ID cards
  • Review policy information
  • Manage payments
  • View dental claims
  • Update account info
  • Locate local in-network dentists

Members also have access to a customer support team via phone, email, or chat (M-F 9am-9pm ET).

Backed by 160 years

Guardian Direct is part of The Guardian Life Insurance Company of America; a company with a history of more than 160 years. Guardian Direct also offers to its customers life insurance, critical illness & accident products.

Sign up now & see why hundreds of thousands of customers* trust Guardian Direct with their coverage.

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.

*Total customer number based on active policies as of July 2021 (excluding Vision, Pet, and Term Life).

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 its subsidiaries. Products are not available in all states. Policy limitations and exclusions apply. 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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Our best-selling Guardian Direct Dental plans

Guardian Logo

Guardian Direct
Advantage Achiever
PPO

The maximum benefits available

Cleanings & X-Rays
Fillings & Simple Extractions
Root Canals & Crowns
Implants
Child Braces

Maximum:
$1000-1st year
$1250-2nd year
$1500-3rd year

Find out more
Guardian Logo

Guardian Direct
Advantage Core
PPO

Covers dental work beyond fillings and occasional cleaning.

Cleanings & X-Rays
Fillings & Simple Extractions
Root Canals & Crowns
Implants

Plan Maximum:
$500-1st year
$750-2nd year
$1000-3rd year

Find out more
Guardian Logo

Guardian Direct
Advantage Starter
PPO

Great for people who need only cleanings and occasional fillings.

Exams
Cleanings & X-Rays
Fillings
Simple Extractions

Plan Maximum:
$500-1st year
$750-2nd year
$1000-3rd year

Find out more

The reviews are in
Here's what people are saying about their Guardian Direct coverage:

"Have had coverage with Guardian for three years. Have never had a problem with coverage or having the service paid in a timely manner. Nice to know that should an emergency occur, it’s covered.”
- Thomas
"Guardian has been great. They give status updates on claims and process them promptly. We’ve had their dental insurance for several years, and they have been a pleasure to work with."
- Erika
"Our dentist recommended Guardian Dental. Signup was easy and simple. Billing and payment are automatic. Coverage is what we expected. All in all, Guardian offers very good service. We are quite satisfied."
- Karen
Trustpilot

More From DentalInsurance.com...

Understanding Dental Insurance Costs

Dental insurance has its own language for dental insurance costs. 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.

For a more comprehensive discussion of the issues surrounding dental plan costs, see our article "Dental Insurance Cost."