Who is dental insurance for?

We think everyone should have great dental coverage, which is why we offer comprehensive plans you can get through Guardian directly or from your employer through their benefit offerings.

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 even more serious forms of oral surgery that you might need one day.

Why should I consider dental insurance?

Poor oral health has been linked to conditions like diabetes, heart disease, and stroke, so while brushing and flossing every day might help keep your teeth clean, nothing can replace regular visits to the dentist.1

We care about protecting more than your teeth

Guardian makes it easy for members to access quality preventive dental care because of its clear connection to overall health, as well as the savings gained by avoiding major services and dental procedures down the line. With good oral care, people are 67% less likely to have heart disease, 50% less likely to have osteoporosis, and 29% less likely to have diabetes8.

How dental insurance works

Compared to medical insurance, it can be easier to understand dental insurance policies. Most policies are straightforward and specific regarding what procedures are covered and exactly how much you pay out-of-pocket.

You can typically save on costs if you use an insurer’s network of dentists. Guardian has more than 120,000 providers in our nationwide network. That means if you already have a dentist you love, they likely take one of our policies.

How much is dental insurance?

Dental insurance costs can start as low as $8.06 month depending on where you live and what is covered.

Unlike other forms of health insurance, seniors pay the same rate as younger consumers. We suggest that when buying the best dental insurance for seniors to review any plan listed above that matches how you use dental care.

Is dental insurance worth it?

Oral health issues are among the most common — and the most preventable — health concerns impacting the American public. The Centers for Disease Control and Prevention (CDC) calculate that 80% of the U.S. population has had at least one cavity by age 34, and more than 50% show signs of periodontal (gum) disease.

In recent years, there has been an increasing amount of scientific research outlining the connection between good dental health and good health elsewhere in the body.

Important for kids

While asthma is often considered the most common chronic childhood health condition, dental decay is actually five times more common.4 As the relationship between oral health and overall health becomes clearer, the health implications of untreated oral disease continue to expand: exacerbating other diseases and involving facets of mental health such as self-confidence and social stigma.5

Need dental insurance?

Find a plan that fits your needs and enroll today!

See why you are in good company with Guardian Dental 

Depending on where you live, Guardian offers a range of dental plans for individuals, families, or company dental plans. 

Robust network of dentists

We have more than 120,000 providers at more than 420,000 locations in our nationwide network, and we’re always making our network stronger. That means if you already have a dentist you love, they likely take one of our policies.

How to get Guardian Dental Insurance

Get it through work

Our employee-focused dental packages give you easy ways to help protect your health and save. They also give you access to our exclusive College Tuition Benefit program. If Guardian is offered through your employer, contact your benefits department to learn more.

Already have a Guardian dental policy through work?

Log in to your account to find a provider, file a claim and more.

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Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

The Tuition Rewards program is provided by SAGE CTB, LLC. Guardian does not provide any services related to this program. SAGE CTB, LLC is not a subsidiary or an affiliate of Guardian. Guardian reserves the right to discontinue the College Tuition Benefit program at any time without notice. The College Tuition Benefit is not an insurance benefit and may not be available in all states.

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.  Plan documents are the final arbiter of coverage.  This policy provides DENTAL insurance only. Policy Form #GP-1-DG2000, et al.

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.  Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides DENTAL insurance only. Policy Form IP-DEN-16 ET. AL. FLORIDA Policy Form IP-1-MDG-DHMO-FL-OFF-17, NEW YORK Policy Form IP-MDG-NY-FP-OFF-17, NEW JERSEY Policy: IP-MDG-DHMO-NJ-17, TEXAS Policy: IP-1-MDG-DHMO-TX-17, ILLINOIS Policy: IP-FCW-DHMO-IL-17.

GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America®