Guardian Dental Insurance Review
With an extensive network of 101,000 participating dentists at more than 360,000 locations nationwide, comprehensive coverage and no sign-up fees, Guardian makes finding dental insurance easy. Finding a dentist in the Guardian network is accomplished using the provider search tool on their website. Guardian pays claims between two and 15 days on average after they are submitted, so customers don’t wait weeks for dental bills to be settled, and Guardian Dental customers don’t have to file claim forms.
- Guardian Dental has over 101,000 in-network dentists
- Preventive care like checkups and cleanings cost little to nothing
- Guardian’s dental cost estimator makes it easy to get an idea of various dental procedure costs
- ACA-subsidized plans are only available in 20 states
Guardian Dental Insurance Plans
Guardian Dental Insurance plans fall into two categories: a Preferred Provider Organization (PPO) or Dental Health Maintenance Organization (DHMO). Both types of policies are available in most states while other states only allow for one or the other, depending on regulations. Guardian Dental sells individual and family policies across the country via their website, and on HealthCare.gov in 20 state healthcare insurance exchanges.
PPO dental plans pay a monthly premium for dental insurance that covers a percentage of dental costs after members pay a deductible. An annual maximum caps the dental insurance payout for the year. Guardian PPO plans do not require referrals to see a specialist, and you can visit any dentist but will save money by using an in-network provider. There are currently 124,000 dentists and 363,000 dental offices across the country participating in Guardian’s PPO network.
Guardian Managed DentalGuard DHMO members pay a monthly premium and copayment based on the dental service received. There is no deductible or annual maximum as long as you stay with the dentist you select as your primary dental care provider. Referrals to specialists require preapproval from Guardian. Guardian Dental’s DHMO network includes 12,000 dentists and 52,000 office locations across the U.S.
If you are eligible for ACA subsidies, you must sign up for a Guardian dental plan through HealthCare.gov or your state exchange during the annual open enrollment period in November and part of December, unless you qualify for a Special Enrollment Period (SEP).
Guardian Dental Insurance Costs
The average expense for dental insurance through Guardian ranges from around $16 to $60, depending on your state of residence, the level of coverage you choose (comprehensive or budget-conscious) and how soon you need dental work beyond routine care completed. Keep in mind prices vary based on your location and whether you need an individual or family plan. The three PPO plans below are based on a single person living in Tulsa, Oklahoma.
Advantage Gold PPO: $33.99 per month for a single person. Good for those wanting maximum coverage.
Advantage Silver PPO: $22.46 per month for a single person. Good for those anticipating the need for dental work beyond the occasional filling.
Advantage Bronze PPO: $16.85 per month for a single person. Good for people only needing cleanings and the occasional filling.
Below are some sample premiums from across the country. These quotes are for individual or family plans. You can get quotes for ACA-related plans on your state exchange or HealthCare.gov (currently limited to 20 states).
|Guardian Dental Insurance Premiums
Individual Policies / Per Person
|Alabama||3||$16.14 – $30.27|
|Colorado||2||$26.39 – $37.76|
|Connecticut||3||$29.19 – $58.65|
|Florida||2||$22.84 – $32.68|
|Hawaii||3||$20.41 – $41.94|
|Illinois||4||$15.67 – $37.49|
|Minnesota||3||$21.74 – $43.88|
|Nevada||2||$24.61 – $35.83|
|New York||4||$16.28 – $45.17|
|North Dakota||3||$27.25 – $57.98|
|Oklahoma||3||$16.85 – $33.99|
|Texas||3||$17.68 – $33.70|
Getting a Guardian Dental Quote
The Guardian Dental website offers three short step-by-step interviews to help you find the right dental coverage at an affordable price. Answer the questions to get a detailed quote, then save your quote or buy your dental insurance on the spot.
We like that Guardian does not require you to enter your email, phone number or any personally-identifying information to get a quote, a plus for avoiding unwanted sales calls.
Find a Plan: Enter your ZIP code to see plans available in your state with costs and plan details.
Find a Dentist: Enter your ZIP code for a list of in-network dentists in your area. You can also enter a dentist’s name to see if they work with Guardian Dental.
Help Me Choose a Dental Plan: Tailor your dental insurance by entering the protection levels, covered services, a specific dentist, your ZIP code and how soon you need coverage.
Guardian Dental Complaints
The Better Business Bureau (BBB) ranks Guardian Insurance with an A+ and the company has earned BBB Accreditation. Since 1957, Guardian received only 71 customer complaints through the BBB. TopTenReviews gives Guardian a 9.5 out of 10 stars, calling the company’s insurance “impressive” and only deducting points for not offering coverage in every state. ConsumersAdvocate mirrors the sentiment with a 9.1 out of 10-star rating.
Guardian Dental Q&A
Does Guardian ever change their rates outside of the open enrollment period for insurance on state exchanges?
Guardian Dental reserves the right to change their rates but gives consumers at least a 60-day notice before premiums increase.
What payment options does Guardian Dental offer?
You can choose to pay your dental insurance premiums monthly, quarterly or annually with a credit or debit card, or ACH (eCheck) bank draft. Guardian Dental can also bill you for payments, and you can pay by mailing a personal or cashier’s check or money order.
Does Guardian Dental require that my everyone on my policy use the same dentist?
No. Each person covered by your plan can choose his or her own dentist. The rules for in-network and out-of-network providers apply, though, and Guardian pays more of each bill for in-network dentists.
Can I cancel my plan at any time or am I locked into a yearly contract?
You can cancel your Guardian Dental insurance plan at any time, and your termination will be effective the last day of the current month or the last day of the month for which the premium has been paid. However, canceling your dental insurance means you will have to wait 12 months to re-enroll in a Guardian Dental plan.
Can I change dentists when I have a Guardian Dental plan?
Guardian Dental Advantage Gold, Silver, and Bronze (PPO) plan holders can change dentists as often as they like. Guardian Managed DentalGuard (DHMO) members can change their primary care dentist, and the change will go into effect the first day of the following month.
With over 150 years of insuring Americans, Guardian knows one size never fits all when it comes to dental insurance. Guardian Dental offers plans for nearly every budget, whether you look into a Guardian Dental plan on their website or via the health insurance exchange. Costs are reasonable for the dental procedures coverage, and you won’t be held hostage by sales calls by getting a quote from their website.