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 8 different plans to choose from, we can help you find what’s right.
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.
Preventive care
In-network: $0
Out-of-network: $50
All other dental services: $50
Teeth whitening: $50 (additional cost separate from other deductibles)
Preventive care
In-network: $0
Out-of-network: $50
All other dental services: $50
Teeth whitening: $50 (additional cost separate from other deductibles)
Preventive care
In-network: $0
Out-of-network: $50
All other dental services: $50
Preventive care
In-network: $0
Out-of-network: $50
All other dental services: $50
Preventive care
In-network: $0
Out-of-network: $50
All other dental services: $50
In-network: $0
Out of network: $50
All other services: $50
In-network: $0
Out of network: $50
All other services: $50
In-network: $0
Out of network: $100
All other services: $100
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.
Yearly max: $3,000
Except for:
Dental implants
Lifetime max: $1,000
Orthodontia
Yearly max: $500
Lifetime max $1,000
Teeth whitening
Yearly max: $500
Yearly max: $1,500
Except for:
Dental implants
Lifetime max: $1,000
Orthodontia
Yearly max: $500
Lifetime max: $1,000
Teeth whitening
Yearly max: $500
Year 1 max: $1,000
Year 2 max: $1,250
Year 3+ max: $1,500
Except for:
Dental implants
Lifetime max: $1,000
Orthodontia
Yearly max: $500
Lifetime max: $1,000
Year 1 max: $500
Year 2 max: $750
Year 3+ max: $1,000
Except for:
Dental implants
Lifetime max: $700
Year 1 max: $500
Year 2 max: $750
Year 3+ max: $1,000
Yearly
Max $1,750
Except for:
Dental implants
Lifetime max $1,250
Yearly
Max $1,250
Except for:
Dental implants
Lifetime max $1,000
Yearly
Max $1,000
Conveniently enroll online, save even more on services
Find a network provider near you
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
Use our Find a Dentist tool to see if your dentist is part of the Guardian network. You can search by your dentist’s name or by the name of the dental office. Don't see your dentist listed? Click here and nominate them to join our network.
If you buy a plan today and pay with a credit card, your coverage will start on the first of next month! After that, you’ll be able to use preventive care benefits (cleanings, exams, X-rays, etc.) and basic care benefits (fillings, simple extractions, etc.) from the first day of coverage.*
*Depending on the selected payment method, coverage typically begins on the first of the month following enrollment.
Yes, you can terminate your plan at any time. Your termination will be effective the last day of the month on which the request is made or the last day of the month on which the premium has been received. The request must come from the policy's main subscriber (member). Once you terminate your Dental PPO plan, please be aware that you will have a consecutive 12-month waiting period to re-enroll.
Limitations and exclusions are special services and specific situations not covered under a dental plan. These can be related to a type of procedure or the number of procedures/visits. Some procedures are only covered for dependent children under the age of 19.
For more info regarding your plan’s limitations and exclusions, sign in to your member portal and take a look at your policy document.
"PPO" stands for Preferred Provider Organization. Guardian provides PPO-based affordable dental insurance plans (not dental HMO or other plan types). These plans are designed to provide affordable dental coverage and help you protect your oral health. Here's how PPO plans work:
Choosing a dentist
When you choose a network dentist, Guardian’s negotiated rates can save you up to 40% off dentists’ typical charges when using a provider in network.¹ Members who visit a network dentist will not be charged more than the contracted rate. The best part? You won't need to submit any claim forms. Guardian network dentists submit all dental claim forms directly to Guardian on your behalf.
If you choose a dentist out of network, you may be charged their regular rates for covered services. Guardian will only pay a standard dental benefits amount, calculated according to the requirements in your state. You will be responsible for the difference.
What Guardian pays
Guardian pays a percentage of dentists' charges according to service category: preventive, basic, or major care. You are responsible for the remainder of the charges. The types of services covered, and the percentage of charges paid by Guardian vary by plan level. In many cases, preventive services like routine exams are covered with no out-of-pocket cost.
Waiting periods
A waiting period is the period of time following your coverage start date, during which no benefits are paid. There are no waiting periods for preventive care (e.g., cleanings, exams, and X-rays). Basic services like fillings and simple extractions may have a waiting period of 6 months or less, depending on your state and your dental plan. For some plans, major dental work such as root canals, crowns, dental implants, and kids' braces have a 12-month waiting period.
Deductibles and maximums
A deductible is the dollar amount you're responsible for paying before dental plans start to pay dental benefits. There is no deductible for preventive services if you use a network dentist. There is a $50 deductible for all other dental care.
There is a maximum dollar payout for each benefit year. With many of our plans, the longer you stay, the more we pay! Your annual max will increase in year 2 and year 3, depending on your dental insurance plan level.
No. Each member of your family covered on a Guardian plan can choose their own network dentist.
You can cancel at any time with no fees. However, once you terminate your dental plan, please be aware that you will have a consecutive 12-month waiting period to re-enroll.
Dental premium amounts are subject to change. If premiums change, you will receive at least 60 days advance notice.
Guardian has an easy-to-use tool to help you find a dentist who participates in your plan: Find a Dentist. Each family member covered by your plan can choose their own dentist.
For Guardian Dental Advantage (PPO) plans, you can choose any network dentist participating in your plan. You are not limited to just one dentist in the network, and you can change your dentist as often as you like.
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: