Our Guardian Dental Insurance Plan Choices

A review of plans we offer

Below are the five different Guardian dental insurance plans offered on DentalInsurance.com. Plans are not available in every region so use our dental plan comparison tool to see which options are available in your zip code.

Guardian Advantage Starter 2.0 PPO

The Advantage Starter 2.0 is a PPO dental plan, which means that it allows you to see in-network dentists at reduced rates or out-of-network dentists (but with higher out-of-pocket costs). The plan has a $1,000 annual maximum for covered dental services. It covers preventive care like exams, cleanings, and X-rays, as well as basic services like fillings and simple extractions. A $50 deductible applies, waived for in-network preventive care. Basic services have a 6-month waiting period, and major services such as crowns and root canals are not covered on this plan.

Guardian Advantage Premier 2.0 PPO

The Advantage Premier 2.0 is the most comprehensive Guardian plan, with a $3,000 annual maximum and additional coverage for orthodontics, teeth whitening, and implants. The plan covers most preventive services at 100% and basic services like fillings and extractions at 85% from day one. Major services such as crowns and root canals are covered at 60%. Implants are covered at 60% with a $1,250 lifetime maximum, and orthodontic coverage for dependent children under 19 includes a $750 annual and $1,500 lifetime maximum. A $50 deductible applies (waived for in-network preventive care), and waiting periods for major services may vary by state.

Guardian Advantage Core 2.0

The Advantage Core 2.0 has the same $1,000 annual maximum as the Advantage Starter 2.0. However, unlike the Starter, the Core plan also covers major services such as crowns, root canals, and dental implants after 12 months of continuous plan membership. Implant coverage is subject to a $700 lifetime maximum. A $50 deductible applies, waived for in-network preventive care.

Plan Options Continued...

Guardian Advantage Achiever 2.0

The Advantage Achiever 2.0 offers a higher $1,750 annual maximum than the Starter or Core plans. It also has higher coverage levels for basic services like fillings (70%) and simple extractions. In addition to major services, the Achiever adds dental implant coverage with a $1,000 lifetime maximum and orthodontic coverage for dependent children under 19 with a $500 annual and $1,000 lifetime maximum. Major services and implants are subject to a 12-month waiting period.

Guardian Advantage Diamond 2.0

The Advantage Diamond 2.0 offers a $2,000 annual maximum and covers some dental services not included on other plans. There is a $500 annual allowance for teeth whitening (after a $50 whitening deductible and 6-month waiting period). Plan members may also use a $1,000 lifetime maximum for dental implant services and a $1,000 lifetime maximum for orthodontic services for dependent children under 19. Basic services such as fillings and simple extractions are covered at 80%. Major services are subject to a 12-month waiting period.

Guardian Managed DentalGuard

The Managed DentalGuard plan by Guardian is a Health dental Maintenance Organization (DHMO). The advantages of this plan are no limits on spending for covered dental services. The downside is that you are restricted to the plan’s network of dentists for your dental care.

Guardian Dental Plan Comparison

* Some plans increase coverage during the second and third years of continuous membership.