Guardian Dental Insurance Plans and Benefits

Guardian Dental Insurance Plans are a type of dental insurance offered by Guardian Life Insurance Company. Guardian Dental Insurance provides coverage for a wide range of dental services, including routine check-ups, cleanings, fillings, crowns, and bridges.

The specific benefits and coverage provided by Guardian Dental Insurance can vary depending on the plan chosen and the location where the plan is being offered. Some plans may cover orthodontic treatment, while others may not. It is essential to carefully review the plan details to determine which services are covered and the out-of-pocket costs.

Guardian Dental Insurance plans may also offer different levels of coverage, with higher levels typically providing more comprehensive coverage and lower out-of-pocket costs. Some plans may also have waiting periods before certain services are covered.

It is recommended to consult with a dental insurance representative or review the plan documents for specific details on coverage, costs, and benefits.

Guardian Dental Insurance Plans

Guardian is offered mainly through employers and has some great benefits.   According to the company, the average savings with their dental insurance is about 30% below what the dentist’s office will charge you.  Claims are usually processed in 3 days or less, and there are over 80,000 providers within their network.  A vision plan can also be added to the Guardian plan.

Dental insurance is something EVERYONE should have. Why do you ask? Just think back on when your tooth started aching in the middle of the night, and you had nobody to call to help you but your mother. You don’t want that ever to happen again, do you?

Well, of course, you don’t. So today, I will show you why Guardian dental would be a super dental insurance plan.

Why Guardian?

Besides having a pretty cool name, Guardian dental offers a few plans to choose from. Let’s explore some of them here below.

Guardian DHMO/Prepaid Plans

Guardian offers a DHMO, dental health maintenance organization plan, and other pre-paid type plans. Unfortunately, these are only offered in certain areas, which may limit the number of dentists you select from.

DHMO (Dental Health Maintenance Organization) or prepaid plans are designed to offer a low-cost alternative to traditional dental insurance. DHMO plans typically require members to choose a primary care dentist who provides most of the dental services needed and referral to specialists when necessary.

With Guardian DHMO/prepaid plans, members pay a fixed monthly premium and receive a specific set of dental services for free, such as cleanings, X-rays, and basic fillings. Additional services are available at a discounted fee. Unlike traditional dental insurance plans, there is no annual maximum or deductible with DHMO/prepaid plans, but the services covered are limited.

Guardian DHMO/prepaid plans may be a good option for individuals who want to receive basic dental care at a low cost and are willing to use a specific network of dentists. However, individuals who need more complex dental services or want the freedom to choose their dentists may want to consider other dental insurance options.

This type of plan is vital, however, as you would know what your payments would be AHEAD of time, so there would be no scary pricing surprises! Yikes.

Guardian DentalGuard Insurance PPO

The DentalGuard Preferred Provider Organization (PPO) plan offered by Guardian is a traditional PPO plan that allows patients to choose from a network of dentists or go out of network for dental care. The plan typically covers preventive and diagnostic services at 100% in-network and provides a specific percentage of coverage for restorative and significant services. The plan may also have an annual deductible and maximum benefit limit.

With the Guardian DentalGuard Insurance PPO plan, you can choose ANY dentist you wish. That’s pretty great, I know. But remember, if you choose a provider WITHIN their network system, you will get the absolute highest benefits for the lowest prices.

The plan also provides coverage for orthodontic care for both adults and children.

It is important to note that specific plan details and benefits may vary depending on the location and individual plan is chosen. It is recommended to review the plan details and speak with a Guardian representative to fully understand the benefits and coverage offered by the DentalGuard PPO plan.

You will also get the lowest out-of-pocket expenses for all your dental needs. There are currently about 70,000 locations across the country within the PPO network for Guardian, so you will easily find the perfect dentist. YAY!

Guardian Maximum Rollover Accounts (MRA)

Another great option that Guardian dental gives you is a pretty new offering called the MRA (Maximum Rollover Account). With this, all Guardian DentalGuard members can choose to put any unused portion of the annual maximum into this particular account.

Guardian Maximum Rollover Accounts (MRA) are available with some of Guardian’s dental insurance plans. With an MRA, any unused annual maximum benefit can be rolled over and used up to a specific limit in future years. This feature can help encourage individuals to seek regular dental care and provide a financial safety net for unexpected dental procedures. MRA limits vary based on the specific insurance plan and the number of unused benefits from the previous year. It’s essential to check with Guardian or review the specific plan’s details to understand the MRA limits and other features included with the plan.

It can be used if you ever happen to go over your maximums in the future. You can choose this as a neat security for you and your family to ensure you always get the amount of dental coverage you need. That’s a pretty great option.

Guardian DentalGuard BASIC and BASIC PLUS

Guardian DentalGuard BASIC and BASIC PLUS are traditional dental insurance plans offered by Guardian.

You can choose the DentalGuard BASIC or BASIC PLUS dental plans, but know that both offer an amazingly low-cost option compared to the original plan. This is the most “affordable” plan, especially for large families.

The DentalGuard BASIC plan covers preventive and basic dental services, such as cleanings, X-rays, fillings, and extractions. It also covers some major services, such as root canals, but with a higher coinsurance and a waiting period for some procedures.

The DentalGuard BASIC PLUS plan covers a broader range of services, including major services such as crowns, bridges, and dentures. It also includes orthodontic coverage for both children and adults. However, it has a higher premium and coinsurance than the DentalGuard BASIC plan.

Both plans have a network of dentists that members can visit to receive care at a lower cost, and members can also visit out-of-network dentists but may have to pay higher out-of-pocket costs.

You can also mix and match, and choose various options here. Using this tremendous customizing feature is a huge reason many people select this plan. These very flexible plans also come with the most fantastic customer service that Guardian is well known for.

So you know your dental needs and any questions you may have will be well taken care of… every time. That should help put your mind at ease late at night, knowing you will never have a significant problem if a tooth issue arises. It will all be taken care of and taken care of well.

Conclusion

Guardian offers a variety of dental insurance plans with different coverage options, deductibles, and premiums to fit different budgets and dental care needs. Their plans include DHMO/prepaid plans, DentalGuard Insurance PPO, DentalGuard Basic, and Basic Plus, and Maximum Rollover Accounts (MRA). It’s important to review the plan details, exclusions, and limitations to decide which plan best suits your dental care needs. Additionally, always confirm network providers and ask any questions you have before enrolling in a plan.