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Guardian Direct Dental Insurance

Affordable options for individuals & families. Plans start at $20/month.

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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

Why Choose Guardian Direct?

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Prices are surprisingly affordable. Dental plans start at $20/month and you can cancel anytime.

No Waiting Period in most states

Access benefits like fillings, simple extractions, cleanings & more as soon as your coverage starts with their Core, Achiever & Diamond plans.

120,000+ In-Network Dentists

Chances are that yours is already in network!

Who is Guardian Direct®?

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 has proudly partnered with Guardian Direct for the past 12 years.

Sign up now!

Guardian Direct keeps things quick, easy & all about you

  • Access to one of the largest networks in the U.S.: With 120,000+ 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 in most states: 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.

Sign up now! (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.


Our best-selling Guardian Direct Dental plans

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Guardian Direct
Advantage Achiever

Benefits available:

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

$1000-1st year
$1250-2nd year
$1500-3rd year
$1000 lifetime maximum for Implants

Find out more
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Guardian Direct
Advantage Diamond

This plan includes teeth whitening benefits!

Exams, Cleanings & X-Rays
Fillings & Simple Extractions
Root Canals & Crowns
Child Braces
Teeth Whitening

$1500 annual maximum
$500 annual maximum for Whitening
$1000 lifetime maximum for Implants

Find out more
Guardian Logo

Guardian Direct
Advantage Starter

Great for people who need only cleanings and occasional fillings.

Cleanings & X-Rays
Simple Extractions

$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

More From

Understanding Dental Insurance Costs & Saving on Dental Care

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.

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."