- Unlimited Use
- Pre-Existing Conditions Included in Plan Savings
- Plans Start at $99/Year for Discounted Rates on Dental Procedures
- 100,000+ Dental Access Points Nationwide
- A+ Grade with the BBB
- Voted #1 in Ethics by Dallas Morning News
- Discount Dental Plan (Not Insurance)
Guardian® Dental Insurance Review
ConsumersAdvocate.org
Guardian Direct® Dental Insurance - Overview
Guardian Direct's dental insurance is part of a series of comprehensive individual insurance products offered on guardiandirect.com, including accident, critical illness, vision and pet insurance.
Guardian Direct dental insurance plans can cover regular exams, cleanings, x-rays, root canals, crowns, implants, and braces. Consumers can choose from a number of Preferred Provider Organization (PPO) plans or a Dental Health Maintenance Organization (DHMO) plan based on their needs, budget, and state.
Qualification
Consumers interested in dental insurance from Guardian Direct can enroll immediately through their fast, safe and secure website guardiandirect.com. Guardiandirect.com also provides a provider lookup to help find a dentist in the Guardian network or confirm their existing dentist is a part of the network.
After providing their zip code, applicants are shown the plans that are available for them in their area. To purchase, they need only enter who needs to be covered, home address, phone number, gender, birthdate and email address along with a valid form of payment.
Plans
Through Guardian Direct, consumers have access to three tiers of PPO dental insurance plans. The first, Bronze, is for people who are only expecting to get cleanings and the occasional filling. The second, Silver, works best for those who anticipate needing dental work beyond the occasional filling. And the third, Gold, is best suited for people who want the maximum amount of coverage possible. In the states of FL, IL, NY, and TX, DHMO plans are also available. The PPO plan tiers' offering is as follows:
Coverage
Preventive services include the most routine dental services, such as oral exams, cleanings, and X-rays.
Basic services include dental services, such as fillings and simple extractions.
Major services include more complex dental services such as crowns, oral surgery, and implants.
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GUARDIAN DIRECT PAYS |
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PLAN BENEFITS |
GOLD ADVANTAGE |
SILVER ADVANTAGE |
BRONZE ADVANTAGE |
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Preventive Services |
100%, No Waiting Period |
80%, No Waiting Period |
100%, No Waiting Period |
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Basic Services |
70%, After 6 Month Waiting Period |
50%, After 6 Month Waiting Period |
50%, After 6 Month Waiting Period |
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Major Services |
50%, After 12 Month Waiting Period |
50%, After 12 Month Waiting Period |
0% (Not Covered) |
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Implants |
50%, After 12 Month Waiting Period |
50%, After 12 Month Waiting Period |
0% (Not Covered) |
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Child (under 19) Orthodontia |
50%, After 12 Month Waiting Period |
0% (Not Covered) |
0% (Not Covered) |
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DEDUCTIBLES |
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Preventive Services |
$0 In-Network $50 Out-of-Network |
$0 In-Network $50 Out-of-Network |
$0 In-Network $50 Out-of-Network |
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All Other Dental Services |
$50 |
$50 |
$50 |
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MAXIMUM PAYOUTS |
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Total Benefit Maximum |
1st Year Max: $500 2nd Year Max: $750 3rd Year Max: $1,000 4th Year & Beyond Max: $1,500 |
1st Year Max: $500 2nd Year Max: $750 3rd Year Max: $1,000 4th Year & Beyond Max: $1,000 |
1st Year Max: $1,000 2nd Year Max: $1,250 3rd Year Max: $1,500 4th Year & Beyond Max: $1,000 |
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Implant Maximum |
Lifetime Max: $1,000 |
Lifetime Max: $700 |
Not Covered |
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Child (under 19) Orthodontia Maximum |
Yearly Max: $500 Lifetime Max: $1,000 |
Yearly Max: $500 Lifetime Max: $1,000 |
Not Covered |
Dental Insurance at Guardian Direct
Guardian Direct's easy online enrollment process, comprehensive plan breakdown, and supplementary research material all make for a solid choice of dental insurance. After consumers answer a few questions designed to determine which plans best suit them, they can begin the enrollment process. Since Guardian Direct is highly rated by the BBB, consumers should have confidence that the company can meet their dental insurance needs.
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- Unlimited Use
- Pre-Existing Conditions Included in Plan Savings
- Plans Start at $99/Year for Discounted Rates on Dental Procedures
- 100,000+ Dental Access Points Nationwide
- A+ Grade with the BBB
- Voted #1 in Ethics by Dallas Morning News
- Discount Dental Plan (Not Insurance)