The Guardian Life Insurance Company has been protecting our members for over 155 years, but as a Guardian member, you’re getting more than just dental protection. You’re getting access to:
With over 114,000 providers at more than over 320,000 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.
On average, our dental insurance products save members up to 35% off standard rates. Depending on the plan you choose, preventive care such as checkups and cleanings may cost you little or nothing, and savings on more advanced procedures like root canals or crowns are covered as well.
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.
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 has been a trusted name in insurance for over 155 years. Today, we have one of the largest dental insurance networks in the country and our dentists can help you save up to 35% on the dental care you need* Learn More About Guardian »
Whether you're looking for a new plan or are an existing member, we're here to help.