Guardian dental insurance reviews, quotes, pros and cons 2024

Based on Guardian dental insurance reviews, It offers plans for nearly every budget with Lots of in-network dentists. In the rest of the article, we will review different plans, coverages, and quotes for Guardian Direct Dental Insurance. Also, we will list the pros and cons of Guardian dental insurance.

Paying for dental care can be an issue. Almost 60 million people in the U.S. rely on Medicare for their health insurance. However traditional Medicare does not cover dental or vision care. Individual dental insurance can supplement your Medicare coverage and help you pay for preventive care, as well as major dental services.

Rapid Guardian dental insurance reviews

The Guardian Direct Company is one of the largest insurance companies in the world having been founded in New York way back in 1860. It offers a wide range of products and services, including life insurance, disability income, annuities, investments, and dental and vision coverage. Guardian is the 6th largest dental provider in the US with 6.4 million participants as of February 2015. They get Aa1 rate from Moody’s and AA+ from S&P and Fitch.

Guardian Direct Dental Insurance offers a Diamond plan that is loaded with valuable features and at a good price. The plan has an annual maximum payout for services (with some exceptions) of $1,500. Preventive care is covered at 100% without a waiting period. Basic care (such as fillings) is covered at 80% without a waiting period. Implants, dentures, and orthodontics are covered at 50%, but you have to wait 12 months.

Teeth whitening is covered at 50% (after 6 months). The plan has a 2-month waiting period for Major care (such as oral surgery and crowns) which is long compared to top competitors. The annual maximum of only $500 for orthodontia, along with a lifetime max of only $1,000.

In general, dental insurance can be worth it if you have significant dental needs or anticipate needing expensive work in the future. However, it’s important to consider the cost of premiums and deductibles when deciding whether it is worth it for you.

Guardian direct coverages

It’s very common to assume that dental care is included in your medical health insurance but it typically doesn’t cover vision or dental care. Typically, the only dental treatment that medical insurance covers is treatment for serious dental injuries that occur as part of another injury or injuries that happened in an accident. You need to have secondary insurance to cover dental procedures that aren’t medically necessary.

When you’re trying to figure out if your medical insurance will cover your dental care it’s helpful to think of it as primary vs secondary insurance. Your medical care is the primary insurance that will likely only cover major damage sustained in an accident and your dental insurance is the secondary that will typically cover the cost of basic dental care(1).

So what dental care will medical insurance cover? What is secondary dental insurance and do I need it? If you’re in a car accident and you hit your face on the steering wheel and knock out several teeth medical insurance or car insurance might pay for some of that treatment but you would need to have a dental insurance plan that covers implants to have pay for the cost of replacing the lost teeth.

Medical insurance may also pay for some devices that help your teeth but also have medical value like mouth guards, sleep apnea appliances, TMJ appliances, or biopsies. Secondary dental insurance is additional insurance that helps cover things like emergencies and fill in the gaps in your existing coverage.

Guardian dental insurance coverages list:

• Preventive Care is covered at 80%-100% based on plans, without a waiting period, and Available on Day 1 of your coverage. It covers Oral exams, cleanings, and X-rays.
• Basic Care is covered at 50%-8%0 with a 0-6-month waiting period based on your selected plans. It covers fillings and simple extractions.
• Major Care is covered at a 50% 12-month waiting period. It covers crowns, complex extractions, oral surgery, and more.
• Implants and dentures are covered at 50% with a 12-month waiting period.
• Orthodontia is covered at 50% with a 12-month waiting period. It applies to members under age 19 only.
• Teeth Whitening is covered at 50% with a 6-month waiting period.

Guardian direct dental insurance quotes and plans

Starter Plan(Starting at $15/mo)

Guardian Direct Dental insurance Starter Plan includes Preventive Care and Basic Care coverages. It has $0(In-Network) and $50(Out of Network) deductibles for Preventive care and $50 for All Other Dental Services. Maximum Payouts of starter plan increases over the years:

• First year: max $500
• Second year: Max $800
• Year 3+: Max $1000

Core Plan(Starting at $19/mo)

Guardian dental insurance Core Plan includes Preventive Care, Basic Care, Major Care, and Implants and dentures coverages. It has $0(In-Network) and $50(Out of Network) deductibles for Preventive care and $50 for All Other Dental Services. Maximum Payouts of the Core plan increase over the years( Except for Implants Lifetime max $700):

• First year: max $500
• Second year: Max $800
• Year 3+: Max $1000

Achiever Plan(Starting at $29/mo)

Guardian dental insurance Achiever Plan includes Preventive Care, Basic Care, Major Care, Implants and dentures, and Orthodontia coverages. It has $0(In-Network) and $50(Out of Network) deductibles for Preventive care and $50 for All Other Dental Services. Maximum Payouts of the Achiever plan for Dental Implants is a lifetime max of $1000 and for Orthedontia is a yearly max of $500 & lifetime max of $ 1000. Achiever plans Maximum Payouts for other coverages increases over the years:

• First year: max $1000
• Second year: Max $1300
• Year 3+: Max $1500

Diamond Plan(Starting at $37/mo)

Guardian dental insurance Diamond Plan includes Preventive Care, Basic Care, Major Care, Implants & Dentures, Orthodontia, and Teeth Whitening coverages. It has $0(In-Network) and $50(Out of Network) deductibles for Preventive care and $50 for All Other Services. Diamond Plan maximum Payouts for coverages are:

• Dental Implants is LifeTime max $1000
• Orthodontia is yearly max $500 & lifetime max$1000
• Teeth Whitening is yearly max $500
• other coverages are a yearly max of $1500

Guardian Dental Insurance reviews

Based on some Guardian dental insurance reviews, Guardian Direct has affordable prices, good customer service, and good policies and coverages. But Other Guardian dental insurance reviews show that real customers didn’t like claims, customer service, and waiting periods.

Guardian dental insurance pros and cons