Guardian® began as a life insurance company over 155 years ago. Guardian® works to make insurance accessible to everyone, and over the years has served over 20 million Americans.
Guardian® offers excellent dental insurance options with good coverage. You can find coverage for dental implants and child orthodontic treatment through Guardian®. It also has a superior financial rating from A.M. Best, which signals financial strength and Guardian®'s ability to meet its financial obligations when customers file a claim.
Customer Review: Angelina Hamilton from Jackson, Mississippi
"My company switched to this year and I went to the dentist yesterday and found out they cover more than my previous insurance did. No deductible for my cleanings! And it’s affordable!"
Guardian® offers Dental Health Maintenance Organization (DHMO) and Preferred Provider Organization.
Most insurance plans cover preventive care, like cleanings and dental check-ups. Coverage levels for diagnosis and restorative treatment (e.g. a root canal, filling, crown) varies by dental insurance plan. Plans typically don't cover cosmetic dentistry or orthodontics.
The PPO dental insurance plans have provider networks. However, plan members still have the same treatment covered if they visit an out-of-network dentist. The rates are usually higher for out-of-network dental care, even for preventive treatment. However, the flexibility is an advantage of PPO insurance.
Guardian® also offers Dental Health Maintenance Organization (DHMO) plans. The Dental HMO has a network of dental providers. It's easy to find an in-network provider on Guardian®'s website. For coverage, plan members must receive care from a Guardian dentist. The network flexibility is how PPO and HMO plans differ.
Guardian® works with employers to create benefits packages for employees. For more details on dental plan options, you'll need to reach out to the company directly.
In addition to dental insurance coverage, employers may also be able to work with Guardian ® to offer vision, life, supplemental health, and disability insurance in their benefits package.
Independent buyers can purchase other kinds of insurance through Guardian®:
These are great additional offerings. Some insurance providers offer more kinds of insurance, like health insurance. Others focus primarily on dental insurance.
Best Company has not received many reviews for Guardian®. General conclusions about the customer experience are not currently available.
Guardian®’s insurance policy offerings may vary depending on the area you live in. However, it is easy to view your insurance coverage options on the company’s website after entering your zip code.
Although there isn't usually a waiting period for preventive care, it's common for dental insurance plans to have a waiting period for restorative dental procedures like fillings and other major dental work. Some dental insurance companies do not have waiting periods. As you review Guardian®'s dental plans, check to see if there are waiting periods for some dental work and whether or not the periods can be waived.
If you're looking for a dental discount plan instead of insurance, you may not be able to find plans from Guardian®.
While the website does not include any FAQs on dental discount plans, you won't know for sure until you provide your zip code and email address to view options and pricing in your area.
Dental discount plans are sometimes called dental savings plans. These plans are not insurance. Instead, they offer set discounts on dental services when you visit participating dentists.
Before Guardian®'s site shows you dental insurance plans in your area, you must provide your zip code, number of people covered, your age range, and email address.
If you're still in the research stages, it can be frustrating to provide an email address so that Guardian® can email you quotes on plans.
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