Guardian Dental Copay

Welcome to our family of over seven million customers.

No Copay Dental Insurance

The Guardian Life Insurance Company has been protecting our members for over 160 years, but as a Guardian member, you’re getting more than just dental protection. You’re getting access to:

Our robust network of dentists

Guardian Direct dental insurance makes it possible for you and your family to get the routine dental care that will help keep you healthy from a network of over 100,000 dentists. Guardian Direct offers three tiers of dental plans to cover a variety of needs and budgets: Gold, Silver, and Bronze.

With over 120,000 providers at more than over 420,000 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.

  1. 2020-105072 (7/22) DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California) is the agent for The Guardian Life Insurance Company of America and its subsidiaries (“Guardian”) for all products underwritten and issued by Guardian and certain third-party insurers through guardiandirect.com. DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America.
  2. Managed Dental Care Plans, also called DHMO or Pre-Paid Plans, enable employers to offer comprehensive, affordable dental insurance across their organization. Your employees select a primary care dentist from the network at enrollment and save.

Great savings

Delta dental copays

Depending on the plan you choose, preventive care such as checkups and cleanings may cost you little out of pocket. For advanced procedures, when covered, you will experience further savings.

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.

How Much Does Guardian Dental Insurance Cover

*https://www.guardianlife.com/dental-insurance, 2019.

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What Does Guardian Dental Plan Cover

2021 Plans
OverviewPlan NameEligibleDescription
2021 Summary
2021 Plan Details
2021 Brochure
Guardian Essentials for Families and IndividualsAll Ages
  • A comprehensive family plan, including adults and children.
  • You are responsible for a percent of the total billed (coinsurance).
  • You can go to any provider you choose.
  • Out of Network benefits are based on a covered fee schedule.
2021 Summary
2021 Plan Details
2021 Brochure
Guardian Basics for Families and IndividualsAll Ages
  • A family plan, including adults and children, that provides coverage for preventative and basic services.
  • You are responsible for a percent of the total billed (coinsurance).
  • You can go to any provider you choose.
  • Out of Network benefits are based on a covered fee schedule.
2021 Summary
2021 Plan Details
2021 Brochure
Guardian Preventive Plus for Families and IndividualsAll Ages
  • A PPO Plan for families that provides coverage for preventive and basic services.
  • You can go to any provider you choose.
  • Charges for services provided by participating dentists are reimbursed directly from Guardian.
  • Get most preventive services, such as oral exams, cleanings and x-rays covered at 100% once the annual deductible has been reached.