Guardian offers a variety of comprehensive plans that provide access to quality preventive dental care. They also help prevent expensive bills if you need more extensive dental work or oral surgery.
With more than 120,000 providers and 420,000+ locations in their nationwide network, Guardian dental plans can help cover some of the cost you pay every time you visit the dentist, as well as protect your overall oral care. But should you become their next customer?
Let’s take a closer look at the coverages each of their dental plans provides.
Which Dental Plans Does Guardian Offer?
Guardian currently offers four dental plans:
Starter Plan
Guardian’s Starter dental plan provides affordable, basic coverage for preventive care, cleanings, and x-rays. The company says this “no fuss” plan is ideal if you visit the dentist for checkups and cleanings and need occasional fillings.
| Guardian Starter Plan Details | |||||
| Preventive Care | Basic Care | Major Care | Implants | Orthodontia | Deductibles |
| 100%, no waiting period | 50% after 6 months | Not covered | Not covered | Not covered | $0 in-network, $0 out-of-network, all other dental services: $50 |
Core Plan
If you need a lot of reliable coverage but don’t need everything, Guardian’s Core plan combines many benefits. It’s ideal if you visit the dentist a couple of times a year for basic dental work.
| Guardian Core Plan Details | |||||
| Preventive Care | Basic Care | Major Care | Implants | Orthodontia | Deductibles |
| 80%, no waiting period | 50% after 6 months | 50% after 12 months | 50% after 12 months | Not covered | $0 in-network, $0 out-of-network, all other dental services: $50 |
Achiever Plan
Guardian’s “full coverage” Achiever plan includes many of the same benefits as their Diamond plan (more next), except for teeth whitening. You might choose this plan if you visit the dentist frequently or need more complex work.
| Guardian Achiever Plan Details | |||||
| Preventive Care | Basic Care | Major Care | Implants | Orthodontia | Deductibles |
| 100%, no waiting period | 70% after 6 months | 50% after 12 months | 50% after 12 months | 50% after 12 months | $0 in-network, $0 out-of-network, all other dental services: $50 |
Diamond Plan
Guardian’s Diamond plan offers full coverage, plus teeth whitening to “help keep your smile healthy and bright.”
| Guardian Diamond Plan Details | ||||||
| Teeth Whitening | Preventive Care | Basic Care | Major Care | Implants | Orthodontia | Deductibles |
| 50% after 6 months | 100%, no waiting period | 80% after 6 months | 50% after 12 months | 50% after 12 months | 50% after 12 months | $0 in-network, $0 out-of-network, basic and major: $50, teeth whitening: $50 |
A Summary of Guardian’s Dental Plans
Here’s a table summarizing the high-level differences between each Guardian dental plan:
| Guardian Dental Plan Comparison | ||||
| Type | Diamond | Achiever | Core | Starter |
| Preventive Care | 100% | 100% | 80% | 100% |
| Basic Care | 80% | 70% | 50% | 50% |
| Major Care | 50% | 50% | 50% | Not covered |
| Implants | 50% | 50% | 50% | Not covered |
| Orthodontia | 50% | 50% | Not covered | Not covered |
| Teeth whitening | 50% | Not covered | Not covered | Not covered |
How Much Do Guardian Dental Plans Cost?
According to the Guardian website, employer-sponsored plans start as low as $8.06 per month. Individual and family plans start at $20/mo, depending on where you live and what is covered.
With this said, here were rates we found at the time of our research (77375 zip code, age 50+):
- Starter: $19.45
- Core: $25.93
- Achiever: $37.07
- Diamond: $46.56
Where Can You Turn if You Need More Details About Guardian Dental Plans?
Whether from Guardian or another carrier, choosing the right dental plan often involves more than just online research. If you need someone to discuss your specific circumstances with, the helpful staff at IHS Insurance Group is standing by!
Need a FREE Quote or have questions regarding Dental Insurance Coverage? We have three convenient ways to reach us:
- If you prefer to talk to a licensed agent directly, please call (866) 480-5063.
- If you prefer to fill out a quick form and have an agent get back to you at your convenience, use the GET A FREE QUOTE.
- Lastly, for those that want an immediate quote, please click HERE.
We look forward to speaking with you today!
