Guardian Direct® Dental Insurance Review

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.  

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.

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.