Oral Health

Dental Care

Many dental injuries are preventable with basic dental care.

Some dental emergencies are unavoidable, like cracked and chipped teeth. Your first line of defense is to maintain good oral hygiene and to schedule regular preventative care with your dentist. Guardian Direct® individual dental insurance can help you afford to keep your mouth and teeth healthy with multiple plans to fit your needs and budget.

Dental Care

Emergency dental care

Dental emergencies can happen to anyone. Emergency dentistry bills without insurance can be expensive. For example, a root canal can cost over $900*. Dental insurance can help lower your out-of-pocket costs.

Common dental emergencies

Uncontrolled bleeding

Broken teeth

Severe pain

Dry socket

Bacterial infections

Affordable dental care

Affordable Dental Care

No matter your budget or coverage needs, there is a dental insurance plan that can work for you. When looking to find affordable dental care for your family you should consider the following common factors:


The amount that you pay for the insurance, your premium can be impacted by the following factors:

  • Age – Premium varies based on age of enrollees.

  • Location – Your location can impact the cost of premiums, different states and localities have different rules that may impact overall cost.

  • Individual vs. family plan – Plans that include a spouse or children may be more expensive than an individual plan. 

  • Levels of protection – there are different plans that offer different levels of protection, typically the premiums of plans that give you more coverage are 
higher than plans that give you less coverage.


A deductible is the amount that you pay out-of-pocket before insurance begins to cover the service. In general, if you select a higher deductible it will help lower your monthly premium. On the other hand, if you choose a lower deductible it will raise your monthly premium.


Copays are a fixed amount that you pay for a covered service after you have paid your full deductible. Plans with lower premiums often have higher copays and plans with higher premiums often have lower copays. Most plans have different copays detailed for different services.


Coinsurance is similar to copays, it is the amount that you pay for a service after you have paid your deductible. Unlike a copay, which is based on a flat fee, coinsurance is based on a percentage.

Annual Maximum

With most dental plans there is a limit to what the insurance company will pay. This is referred to as your annual maximum. If you reach this dollar amount, then you can have to pay for any services moving forward until the year ends.

Find a plan

Take care of yourself with the dental plan that's right for you.

Family dental care

Family dental care

With our plans each family member can pick their own dentist so everyone can receive the care they are comfortable with.

Dental care near me

Dental care near me

Regardless of your insurance plan, it is important that you have a local dentist in case you require immediate attention. With Guardian Direct’s dentist locator, you can find a dentist near you and filter your results based on which plan they accept.


Insights for the people.

Join our new digital insurance community that includes tips, resources and useful information from Guardian Direct.

Dental care advice and insights

Get more answers to your dental insurance questions, as well as useful insurance information, tips, and resources.

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See all advices & insights

1. https://mdmonthly.com/reasons-regularly-visit-dentist/(last accessed2019 Aug)