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 DentalInsurance.com
Prices are surprisingly affordable. Dental plans start at $20/month and you can cancel anytime.
Access benefits like fillings, simple extractions, cleanings & more as soon as your coverage starts with their Core, Achiever & Diamond plans.
Chances are that yours is already in network!
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.
Guardian Direct customers have 24/7 access to an online Member Portal, where they can:
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.
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.
2022-144944
Benefits available:
Exams, Cleanings & X-Rays
Fillings & Simple Extractions
Root Canals & Crowns
Implants
Child Braces
Maximums:
$1000-1st year
$1250-2nd year
$1500-3rd year
$1000 lifetime maximum for Implants
This plan includes teeth whitening benefits!
Exams, Cleanings & X-Rays
Fillings & Simple Extractions
Root Canals & Crowns
Child Braces
Implants
Teeth Whitening
Maximums:
$1500 annual maximum
$500 annual maximum for Whitening
$1000 lifetime maximum for Implants
Great for people who need only cleanings and occasional fillings.
Exams
Cleanings & X-Rays
Fillings
Simple Extractions
Maximums:
$500-1st year
$750-2nd year
$1000-3rd year
"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.”
"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."
"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."
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."
