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Most dental plans cap the maximum amount they will pay for care at $1,000-$2,000 per member per year. There may be waiting periods applied before plans will cover non-preventive procedures. The two most common types of plans are DPPOs and DHMOs. DPPO stands for Dental Preferred Provider Organization. These plans have a relatively large network. 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. Dental coverage is affordable again. The Guardian Life Insurance Company of America®, 7 Hanover Square, New York, NY 10004. GUARDIAN ® and the GUARDIAN G ® logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission. Find A Primary Care Provider: Please refer to your Patient Charges Sheet for more information about your plan. Guardian Direct dental insurance makes it possible for you and your family to get the routine dental care that will help keep you healthy from a network of over 100,000 dentists. Guardian Direct offers three tiers of dental plans to cover a variety of needs and budgets: Gold, Silver, and Bronze. Your plan might limit the amount of coverage you can receive in a year through an annual maximum for dental services and procedures. People who obtain dental insurance with Guardian can elect a Maximum Rollover benefit option for their dental PPO plan.
The Guardian Life Insurance Company has been protecting our members for over 160 years, but as a Guardian member, you’re getting more than just dental protection. You’re getting access to:
Our robust network of dentists
With over 120,000 providers at more than over 420,000 locations nationwide*, Guardian members have access to one of the largest preferred provider organization networks around. With a larger networks, it’s more likely you’ll be able to save money with your current dentist or find new not that’s in your area.
Depending on the plan you choose, preventive care such as checkups and cleanings may cost you little out of pocket. For advanced procedures, when covered, you will experience further savings.
The Guardian PPO plans provide freedom of choice in choosing how to receive your dental care. You can see any licensed dentist, but you can save money when using dentists that participate in Guardian’s DentalGuard Preferred network. Charges for services provided by participating dentists are based on negotiated, discounted fee schedules, and are reimbursed directly from Guardian, usually at a higher coinsurance percentage than if you used a non-participating provider.
You are still free to use providers that don’t participate in our network. Please refer to your member benefits brochure for specific details.
What Does Guardian Dental Plan Cover
With a DHMO plan you will need to select a primary care dentist from our list of dentists participating in your plan. You can find a conveniently located primary care dental office at (link to find a provider). If you have family members covered under your plan, they can each select their own primary care dentist. You will need to see your selected primary care dentist for all dental services. When necessary, your primary care dentist will refer you to a participating specialist who will complete specialty services. As a DHMO member you will only be responsible for the co pays associated with each covered service along with your office visit co pay. There are no deductibles or maximums under your plan and no claims to file.
Guardian Dental Copay
Guardian Dental Insurance Copay
Materials will be made available in alternate format upon request.
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