Dental health is an essential part of your overall health. But dental care can be expensive if you need more comprehensive care.
Find out how you can reduce your personal expenses with Guardian dental insurance.
Guardian dental insurance plans cover several types of dental care, including:
- Preventive care like oral exams, cleanings, fluoride treatments, sealants and x-rays
- Basic care, including fillings and simple extractions
- Major care, such as bridges, dentures, crowns, complex extractions and oral surgery
- Dental implants
- Orthodontics
Guardian offers 3 packages to the general public. Each has different benefits and coinsurance.
- Gold offers the most comprehensive coverage.
- 100% preventive care without waiting time
- Basic care at 70% with a waiting period of 6 months
- Major care at 50% with a waiting period of 12 months
- 50% implants with a 12 month waiting period
- 50% orthodontics with a 12-month waiting period
- Money is a mid-level blanket.
- 80% preventive care without waiting time
- Basic care at 50% with a waiting period of 6 months
- Major care at 50% with a 12-month waiting period
- 50% implants with a 12 month waiting period
- Orthodontics is not covered
- Bronze provides the lowest coverage. It is also the cheapest.
- 100% preventive care without waiting time
- Basic care at 50% with a waiting period of 6 months
- Major treatments are not covered
- Implants are not covered
- Orthodontics is not covered
How the blanket works
Each plan has a deductible, which is the amount you have to pay before Guardian starts paying. For example, the 3 plans have a deductible of $ 0 for preventive care received from a dentist in the network. All other services have a deductible of $ 50.
Guardian, like most dental plans, also has a maximum payout. This is the most Guardian will pay in a year. Guardian increases its payments every year.
With the Gold Plan, in your 1st year, he pays a maximum of $ 1,000. The 2nd year has a maximum of $ 1,250. After that, the maximum payout is $ 1,500. Implants have a lifetime maximum of $ 1,000. Orthodontics has an annual maximum of $ 500 and a lifetime maximum of $ 1,000.
The Silver plan pays a maximum of $ 500 in your 1st year, up to $ 750 in your 2nd year, and up to $ 1,000 in your 3rd year and beyond. Dental implants have a lifetime maximum of $ 700.
The Bronze plan pays a maximum of $ 500 in your 1st year, up to $ 750 in your 2nd year, and up to $ 1,000 during and after your 3rd year with Guardian.
What is not covered
Like all insurance companies, there are limits to what Guardian will cover. These exclusions include:
- Treatment of work-related injuries (these are usually covered by workers’ compensation)
- Cosmetic procedures such as teeth whitening.
- Pulpal vitality tests
- Services performed on teeth with poor prognosis
- Replacement of lost, missing or stolen braces or dentures
- Services and devices to treat TMJ
- Separate charges for local anesthesia
- Prescription drugs
Guardian does not have any information on individual policyholder claims on its website. In general, dentists often process insurance claims through their office. In some situations, you may need to contact Guardian and file a complaint following the instructions.
If you purchased a policy through your employer, you can submit a claim online.
Guardian offers a mobile app in the Google Play and Apple App stores. The mobile application allows you to find providers and consult your insurance cards.
Unfortunately, it doesn’t do much else. You cannot contact customer service or file or track complaints through the mobile app.
Guardian’s 3 plan levels make it easy to choose a plan that fits your budget. It offers affordable plans starting around $ 8 per month. The cheapest plan offers the lowest amount of coverage, so keep that in mind when deciding which plan to buy.
Of course, if you purchase a Guardian dental plan through your employer, you might pay a different price. Employers often pay part of the cost of insurance, and Guardian offers different plans through employers than they offer to the general public.
Whether you buy it through an employer or on your own, consider the benefits carefully before you buy.
Guardian customer service centers are available from 6:00 a.m. to 6:00 p.m. PST. If you purchased your dental insurance through your state’s health insurance exchange, call 1-844-561-5600. If you purchased your insurance directly from Guardian, call 1-866-569-9900.
Guardian doesn’t offer other customer service options like email or live chat, so you’ll need to call for help.
Guardian offers affordable dental insurance plans that cover a range of dental services. Its mobile app is not the most functional and could offer more information on complaints and more customer service options. But the process of buying coverage is easy, and you have maximums that increase the longer you have your policy.
Keep in mind that Guardian has a waiting period for some services. If you are planning dental treatment in the future, it is best to purchase a policy now so that you can meet the 6 or 12 month waiting period. You will also benefit from a higher maximum benefit after your first year of coverage.
Is Guardian Dental Insurance Right For You?
Guardian might be the best dental insurance if you like the flexibility of a PPO and don’t mind a waiting period. If you have a preferred dentist, check if they are networked with Guardian. Otherwise, you may want to choose a dental insurance plan that includes your dentist as the network provider.
When you compare plans, look at more than the monthly costs. Consider the percentage the plan will cover for each type of service, plan waiting periods, deductibles, and the plan’s annual maximum. If you need implants or if a family member needs orthodontic care, confirm they are covered under your plan. Many insurance companies exclude or limit annual benefits for these services.
Another option for dental care is a dental discount plan. These plans are not insurance, but they can lower the cost of your dental care. Dental discount plans require a monthly or annual premium, and you receive a discount card that you can use with dentists who have agreed to work with the plan.
Your rebate is honored at the time of service, so you don’t have to worry about filing a claim or going over your annual maximum. You also don’t have to wait to receive certain services.
To compare dental discount plans, visit our trusted partner. With a few clicks, you can see which plans are available in your area and compare the plans.
See more : BEST TELEDENTIST PLATFORMS AND APPLICATIONS
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