Guardian Dental Insurance Review

Have you ever found yourself in a situation where you needed dental work done but the cost was just too high? It’s an all-too-common problem, and one that can be particularly frustrating when you have dental insurance that doesn’t seem to cover enough.

But fear not – we’re here to help! In this post, we’ll be taking a closer look at Guardian Dental Insurance and whether it might be the right choice for you. So if you want to save money on your dental care without sacrificing quality, keep reading!

What is Guardian Dental Insurance?

Guardian Dental Insurance is a dental plan that offers great coverage for individuals and families. It is one of the few dental plans that cover orthodontic services and provides a wide range of other benefits as well. The monthly premium for this plan is very affordable, making it a great option for those who are looking for quality dental insurance.

The Different Types of Guardian Dental Plans

There are three different types of Guardian dental plans: the DentalGuard Preferred plan, the DentalGuard Basic plan, and the DentalGuard Complete plan.

The DentalGuard Preferred plan is the most comprehensive of the three plans, and it covers both preventative care and basic procedures. The plan has a $50 deductible, and it covers 100% of preventative care costs and 80% of basic procedure costs.

The DentalGuard Basic plan is less comprehensive than the Preferred plan, but it still provides good coverage for preventative care and basic procedures. The plan has a $100 deductible, and it covers 80% of preventative care costs and 60% of basic procedure costs.

The DentalGuard Complete plan is the least comprehensive of the three plans, but it still provides some coverage for preventative care and basic procedures. The plan has a $250 deductible, and it covers 50% of preventative care costs and 40% of basic procedure costs.

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Pros and Cons of Guardian Dental Insurance

There are a few things to consider when determining if Guardian dental insurance is the right fit for you. First, let’s take a look at the pros:

One of the main advantages of Guardian dental insurance is that they have a wide network of providers. This means that you’re likely to find a dentist near you that accepts Guardian coverage.

Another pro is that Guardian offers several different types of plans, so you can find one that fits your needs and budget. For example, they offer an dental HMO plan and a PPO plan.

Finally, Guardian dental insurance has no waiting periods for most services. This means that you can get the dental care you need right away without having to wait months or even years to get coverage.

Now let’s take a look at the cons:

One downside of Guardian dental insurance is that their premiums can be on the high side. However, this is typically offset by the fact that they offer great coverage and have a large network of providers.

Another potential drawback is that some of their plans have annual maximums. This means that there is a limit on how much coverage you can receive in a year. Once you reach your maximum, you will have to pay for any additional dental expenses out-of-pocket.

How to Choose the Right Guardian Dental Plan for You

There are a few things you should take into account when choosing a dental plan. First, you need to ask yourself whether you want an HMO or PPO plan. HMO plans have lower monthly premiums but will only cover in-network dental providers. PPO plans have higher monthly premiums but will cover both in-network and out-of-network dental providers.

Second, you need to consider what type of coverage you need. If you only need basic coverage, then a less expensive plan may be right for you. But if you need more comprehensive coverage, then you’ll need to pay more for a better plan.

Finally, make sure to read the fine print before enrolling in any dental plan. This way, you’ll know exactly what’s covered and what’s not. By taking the time to do your research, you can be sure that you’re choosing the right guardian dental plan for you.

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How to Use Guardian Dental Insurance

If you have Guardian dental insurance, you may be wondering how to use it. Here are some tips:

To find a dentist that accepts Guardian dental insurance, visit the Guardian website and use their Find a Dentist tool. You can search by your zip code or city and state.

Once you’ve found a participating dentist, call to make an appointment and give them your Guardian policy number. Be sure to bring your insurance card with you to the appointment.

At your appointment, the dentist will submit a claim to Guardian for reimbursement. You may be responsible for paying a copayment, deductible, or coinsurance at the time of service. For more information on what your plan covers and how much you’ll need to pay out-of-pocket, visit the Guardian website or contact customer service.


In conclusion, Guardian Dental Insurance is a great option for anyone who needs to access dental care quickly and easily. Not only does it provide comprehensive coverage of services, but they also have competitive pricing that allows you to save money on routine checkups and more extensive treatment.

With Guardian’s commitment to customer satisfaction and wide range of plans, you can be sure that your family will be taken care of when it comes to dental care.