Dental plans for you and your family
Your dental health plays a big role in your overall well-being. If you don’t have access to dental benefits through a workplace, we have a variety of plan options to fit you and your family’s current needs and budget. So you can confidently think, feel, and be your best self.
Whether you’re a freelancer, work in an industry that doesn’t provide employer-sponsored dental benefits, or are retired, you can rely on Guardian’s dental plans to support your oral health and overall well-being. That means access to our expansive nationwide network, no waiting periods on most coverage, and cost-effective plans to fit your budget.
Enroll in the dental plan that works best for your family’s needs and budget
With 5 plans to choose from, we can help you find what’s right.
Guardian Dental Advantage (PPO) plans for individuals & families
Plans | Premier | Diamond | Achiever | Core | Starter |
|---|---|---|---|---|---|
Price per month¹ | Starting at $57 | Starting at $37 | Starting at $29 | Starting at $19 | Starting at $15 |
Preventive care coverage | 100% | 100% | 100% | 100% | 100% |
Basic care coverage | 80% | 80% | 70% | 50% | 50% |
Major care coverage | 60% | 50% | 50% | 50% | Not covered |
Orthodontia (applies to dependents under age 19 only) | 60% | 50% | 50% | Not covered | Not covered |
Teeth whitening | 50% | 50% | Not covered | Not covered | Not covered |
Deductibles
We want you and your family to know exactly what you're getting, so you can plan thoughtfully and be confident in your coverage. Here's the amount you'll pay out-of-pocket for your dental care before your plan begins covering costs.
Max benefit details
Make the most out of your plan by knowing your max benefit details each year you and any covered family members are enrolled. This is the maximum amount your plan will pay toward dental care annually.
Make an appointment with a network dentist nearby
After conveniently enrolling online, find a network provider near you to save even more on services.
How it works
Enroll today
Choose a plan and enroll in just a few minutes.Create an account
Create a username and password to access your member portal.Download your ID cards
Access them in your member portal and download to your digital wallet so you always have convenient access.Start using your benefits
Coverage kicks in on the first day of the following month. You can pay by credit card or ACH.Make an appointment
Visit any of our 139,000+ in-network dentists to maximize your savings. The choice is yours!
FAQs
Need help? We’re here.
Prefer to speak with someone for help enrolling in a Guardian dental plan?
Call us:
Monday-Friday* 9am-9pm at 800-584-9290
Saturday** 10:30am-5pm at 844-683-7489
*A licensed representative at Kelsey National (our third-party broker) will assist you.
**A licensed representative at Careington (our third-party broker) will assist you.
¹ Values reflected for illustrative purposes only. Costs vary by state and available plan type selected. Zero months waiting period of Basic Care not available in all states. Waiting period varies by state and deductibles may apply. Coverage begins on the first of the month following enrollment. AZ residents click here, opens in new tab for exclusions, reductions and limitations.
Authorized Selling Agent Directly to Individuals: DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California).
DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California) (“DTC GLIC, LLC”) is the agent for The Guardian Life Insurance Company of America and its subsidiaries (“Guardian”) for all individual products underwritten and issued by Guardian and certain third-party insurers through guardianlife.com. DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America and is a licensed agent for life, accident and health insurance products.
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 and sold directly to individuals by DTC GLIC, LLC. 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 plan documents for a complete list of limitations and exclusions. Plan documents are the final arbiter of coverage. This policy provides DENTAL insurance only. Dental provider networks vary by state, by market and by plan type. Rates are guaranteed for one year for the plan of benefits initially selected. Policies renew annually. Policy Form#IP-DEN-16-et al.
Teeth whitening benefits may be considered taxable income. Furthermore, the IRS considers teeth whitening to be a cosmetic procedure, such that out-of-pocket costs for teeth whitening are not medical care expenses for tax purposes. Guardian does not provide tax or legal advice. Please consult your personal tax or legal advisor for more information on the tax consequences of teeth whitening coverage.
IMPORTANT INFORMATION ABOUT GUARDIAN’S DENTALGUARD INDEMNITY AND GUARDIAN ADVANTAGE PPO PLANS.
Dental PPO plans provide in-network and out-of-network benefits. Use of an in-network provider may result in reduced out of pocket costs.
Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductibles apply. Waiting periods may also apply for some services.
Unless specified in the policy, individual dental plans do not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatment to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment.
Individual dental plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services.
Listed services, exclusions and limitations do not constitute a contract and are a summary only.
Plans availability, benefits and deductibles may vary by state.
Coverage begins on the first of the month following enrollment when paying with credit card or ACH. Waiting period may vary by state.
Information on the approved state and product-specific online enrollment form numbers can be viewed here: