Guardian believes everyone deserves access to great dental insurance.
That's why they keep their plans simple & surprisingly affordable.
Get an overview of Guardian below or click here for a list of Guardian Plans carried by DentalInsurance.com
Why Choose Guardian for your dental?
No Waiting Periods
Most plans in most states offer no Waiting Period for Preventive and Basic Care.
Save More
Prices are surprisingly affordable. Dental plans start at $15/month and you can cancel anytime.
One of the largest networks in U.S.
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 Dental plans
Who is Guardian®?
Guardian 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 for the past 12 years.
Guardian 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 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 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 is part of the Guardian Life Insurance Company of America. Guardian empowers you with benefit flexibility, mobility, and stability through an individual benefit platform, leading with dental. You can find additional products here.
DentalInsurance.com (DI.COM) is a third-party broker available to help you enroll in a Guardian 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 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® 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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See what people are saying about DentalInsurance.com
Carlin was great !!
Carlin was great !!Carmenithia Johnson
Very little wait time before call was…
Very little wait time before call was answered. The man who enrolled me in my dental plan was fast, friendly and answered all of my questions knowledgeably. Thank YouKaren Prestridge
Guardian Insurance in the News
January 15, 2025
Guardian and Uber Health join forces to increase access to care and inspire well-being [PR Newswire]
"As part of its ongoing efforts to support member well-being, The Guardian Life Insurance Company of America® (Guardian) has announced it will work with Uber Health. Guardian Group Benefits members with an approved long-term disability claim will receive an Uber voucher in their Uber app. The Uber voucher can be used for rides to medical appointments or rehabilitation services, helping to eliminate barriers to care and support member recovery and well-being. According to recent research from Guardian, 30% of U.S. households have a member who has experienced a disability leave of at least 30 days in the past decade. In addition to the financial pressures facing those unable to work due to injury or illness, many may also navigate newfound physical and logistical challenges on their road to recovery. An Uber voucher is intended to help Guardian members better adhere to their care plans and support their return-to-work goals."
October 9, 2024
Guardian launches GuardianWell™, a new digital hub designed to enhance benefits utilization and inspire well-being [PR Newswire]
"The Guardian Life Insurance Company of America® (Guardian) is announcing the launch of GuardianWell™, its new digital well-being hub for Group Benefits members. A centerpiece of Guardian's mission to inspire well-being®, GuardianWell provides members with a single self-service online hub where they can engage with their wellness benefits and access educational content on mental, physical, and financial well-being, as well as on family and community support topics. GuardianWell offers members a personalized experience based on their participation in Guardian's various wellness offerings. For all eligible benefits, members can learn more about services provided and how they can start to utilize and make the most of these wellness resources. Wellness offerings integrated into the platform include caregiver support services through Wellthy, a digital substance use management program for tobacco cessation through Pelago, cancer support services via Osara Health, dedicated mental wellness benefits from Spring Health, and employee assistance programs."
August 6, 2024
INDUSTRY NEWS DentalInsurance.com Adds New Guardian Dental Plan with High Max Benefit [Dentistry Today]
"DentalInsurance.com, the leader in dental insurance comparison shopping, continues to expand its dental insurance choices with the addition of a sixth individual dental plan from Guardian. The new plan, named the Guardian Advantage Premier, is a Preferred Provider Organization (PPO) dental plan with a $3,000 annual maximum benefit. A maximum benefit is the yearly limit on insurance contributions toward covered services. The Advantage Premier’s maximum is twice as high as Guardian’s Advantage Diamond PPO plan. The plan also offers the dentist choice flexibility of a PPO plan, allowing consumers to go out of network for dental care if they prefer."
More From DentalInsurance.com...
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."
Frequently Asked Questions -FAQ
What procedures are often excluded from dental insurance coverage?
While there are many dental plan options that provide comprehensive dental care benefits, there are procedures that are often uncovered by dental plans or covered only after the completion of a waiting period. A waiting period begins on the first day dental insurance coverage is effective and may end after 6, 12, or 18 months depending on the insurance company and dental plan.
With respect to dental treatments that are often left out of dental insurance coverage, the exclusion of orthodontics is common. A nationwide analysis conducted by DentalInsurance.com found only 28 percent of dental plans reviewed offered some level of orthodontic benefits. Cosmetic dentistry is also commonly excluded from dental coverage because it is considered an aesthetic rather than medically necessary treatment. Alternative medicine for dental care, such as acupuncture, is another procedure typically uncovered by dental insurance. Expensive dental procedures like crowns and dental implants may be excluded from dental coverage, but they are more commonly given a waiting period before their coverage is available to an enrollee.
Why is dental insurance important for maintaining oral health?
Dental insurance contributes to good oral health in a variety of ways. First and foremost, it can make regular dental care less expensive and encourage adherence to its consistent use by plan enrollees. This regular dental includes bi-annual dental check-ups and related x-rays or use of sealants when appropriate. Dental insurance also negotiates lower rates for expensive dental services so plan enrollees are less likely to put off major dental work due to cost considerations.
Since poor oral hygiene can contribute to non-dental medical conditions, good oral health is a facet of overall good health. High levels of mouth bacteria can increase the risk of glaucoma as well as travel through the bloodstream and inflame blood vessels, which in turn can promote narrowing of the arteries.
How do different dental plans vary in terms of benefits and costs?
Dental plan benefits are not standardized so each insurance company has the freedom to design a dental plan as it prefers. Some dental plans may only cover preventive care while other may be comprehensive with coverage for preventive, basic, and major dental treatments. Costs vary significantly among dental plans. Some costs differences are due to the breath of the benefits while others reflect regional differences in the expense of dentists (which, in turn, affects dental insurance prices). Very inexpensive dental plans may cost less than $20 a month for a single enrollee. On the other end of the spectrum, plans that have high maximum benefits and additional vision and hearing benefits bundled with dental coverage may cost close to $100 a month for an individual enrollee.
What are other types of insurance products that might be of interest to some shopping for dental insurance?
Dental insurance is typically absent from employer-provided medical insurance and this absence contributes to the number of stand-alone dental plans purchased by consumers. However, vision and hearing benefits are also frequently uncovered by employer-provided medical insurance. Like dental care, these benefits are extremely important for a healthy lifestyle. There are combination insurance products entering the market that bundle these different types of benefits together. One example is the Cigna Dental Vision Hearing 3500. Alongside traditional dental coverage, this plan contributes up to $300 per calendar year for glass frames or contact lenses. The same plan also provides an $700 allowance per year for hearing aids and accessories.
