Dental insurance
Looking for dental insurance? Good idea! After all, oral health is important to overall health and wellness.¹ So, whether you want coverage for yourself, your family, or your business, we’ll help you find a plan that fits your budget — and helps keep everyone healthy.
What does dental insurance cover?
Dental coverage helps protect your overall oral care. That includes things like preventive cleanings, x-rays, restorative services like fillings, and more complex services like root canals and oral surgery.
The benefits of having dental insurance
Good oral health is important to your overall health.6 And people with dental benefits are much more likely to get regular dental care that helps maintain healthy teeth and gums.7
Purchasing dental insurance on your own
Guardian makes it easy for individuals and families to shop dental plans, get a free quote, and buy directly online. Or you can shop for a Guardian dental plan on the Federal Exchange Marketplace.
Need dental insurance right now?
Find an individual plan and enroll today, or shop the Federal Exchange Marketplace for a Guardian plan. With Guardian, there’s no waiting period for preventive services like oral exams, cleanings, and x-rays. However, coverage begins on the first of the month following enrollment when paying by credit card or ACH. Waiting periods may vary by state.
Are you a dental professional?
Find out how to join Guardian’s growing network of dental benefit providers.
1 Mayo Clinic, Oral health: A window to your overall health, 2021
2 Costs vary by state and available plan type selected.
3 Mayo Clinic, Oral health: A window to your overall health,
4 2021, https://www.guardianlife.com/dental-insurance/individuals
5 Colgate, Types Of Dental Coverage: Which Is Right For You?, 2023
* Actual costs vary, but dental crown can cost $2,000 or more. A good comprehensive plan can lower that to under $700. Here's how: We'll assume you have a PPO dental plan that covers major procedures at 50%, you're past the waiting period, and your dentist's customary fee for the treatment is $2,000. With a 35% in-network discount, the fee goes down to $1,300. After paying your $50 deductible, the insurance company pays half of the remaining $1,250 charge, and you owe the other half ($625). You save $1,325, and your total out-of-pocket expense is $675.
** Mobile app currently only supports Group planholders.
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DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Generic Policy Form # GP-1-DG2000, et al; GP-1-DEN-16; DG7-P. The state approved form is the governing document.
Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries. Dental provider networks vary by state, by market and by plan type. Plans availability, benefits and deductibles vary by state. Rates are guaranteed for one year for the plan benefits initially selected. Policies renew annually. Please refer to your plan documents for a complete list of limitations and exclusions. Policy Form IP-DEN-16; IP-DEN-20; et. al. Plan documents are the final arbiter of coverage. This policy provides DENTAL insurance only.
[This information is not intended for residents of New Mexico.]
