These quotes are for individual or family plans.
Good for people only needing cleanings and the occasional filling.īelow are some sample premiums from across the country. Good for those anticipating the need for dental work beyond the occasional filling.Īdvantage Bronze PPO: $16.85 per month for a single person. Good for those wanting maximum coverage.Īdvantage Silver PPO: $22.46 per month for a single person. The three PPO plans below are based on a single person living in Tulsa, Oklahoma.Īdvantage Gold PPO: $33.99 per month for a single person. Keep in mind prices vary based on your location and whether you need an individual or family plan. 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. If you are eligible for ACA subsidies, you must sign up for a Guardian dental plan through 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’s DHMO network includes 12,000 dentists and 52,000 office locations across the U.S. Referrals to specialists require preapproval from Guardian. There is no deductible or annual maximum as long as you stay with the dentist you select as your primary dental care provider. Guardian Managed DentalGuard DHMO members pay a monthly premium and copayment based on the dental service received. There are currently 124,000 dentists and 363,000 dental offices across the country participating in Guardian’s PPO network. 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. An annual maximum caps the dental insurance payout for the year.
PPO dental plans pay a monthly premium for dental insurance that covers a percentage of dental costs after members pay a deductible.
Guardian Dental sells individual and family policies across the country via their website, and on in 20 state healthcare insurance exchanges.
Both types of policies are available in most states while other states only allow for one or the other, depending on regulations. Guardian Dental Insurance plans fall into two categories: a Preferred Provider Organization (PPO) or Dental Health Maintenance Organization (DHMO).
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