Guardian Dental Insurance has been in the business for more than 155 years. In that time it has provided dental insurancecoverage to many people. Guardian is one of the most popular dental insurance providers in the country. It offers Guardian Dental Direct policies in all parts of the country. The coverage options are great and the rates are competitive.
Pros
Guardian gives its clients both Preferred Provider Organization (PPO) and Dental Health Maintenance Organization (DHMO) dental plans to suit different needs. You can find one or both of these policies in your state. It all depends on the regulations of your state.
Guardian Dental sells both family and individual policies all across the country. It is easy to make a purchase through their website.
They have 363, 000 dental offices in the United States.
The members of staff at Guardian will always provide their customers with personalized quotes. They ask a few questions to understand your needs before providing you with a quote.
Finding a dentist with the Guardian is very easy. The insurance company has a network of about 101, 000 dentists in thousands of locations all across the nation. Guardian simplifies the process of finding a dentist when you need one.
You do not have to worry about getting your claims. Guardian pays claims in two to 15 days after submission. Your dental bills will be settled fast. The customers are not required to file any claim forms.
If you are looking for preventive care such as cleanings or regular checkups, the costs are little to nothing.
Guardian has a dental cost estimator to ensure that you make fair costs. It also gives you an idea of how much the various dental procedures cost.
If your plan covers you and your family, you do not all have to use the same doctor. Guardian Dental allows you to choose a separate dentist for everyone on your plan if you wish. They pay more for in-network dentists than out of network dentists.
Guardian Dental allows many payment options. Customers can make their premium payments monthly, quarterly, or annually depending on their needs. Payments can be made through credit cards, debit cards, or ACH bank draft. If they mail a customer for payment, they can mail back a personal or cashier’s check.
Cons
ACA subsidized plans are not available in some states.
Pricing
The average cost of Guardian Dental Insurance ranges from $16 to $60. The costs may vary depending on the level of coverage you want, your state, and how soon you need dental work. The cost of family coverage is different from the cost of individual plans. For single people living in Tulsa, Oklahoma, there are three PPO plans;
- Advantage Gold PPO
This plan costs $33.99 every month. It is a great choice if you are looking for maximum coverage.
- Advantage Silver PPO
This plan costs $22.46 every month. This plan is appropriate for people who are anticipating getting some dental work that goes beyond a regular filling.
- Advantage Bronze PPO
The cost of this plan is $16.85 every month. It is an appropriate plan for people who do not need anything more than regular cleanings and occasional fillings.
Conclusion
Guardian Dental is a great choice for insurance. The quotes are detailed and personal, and finding a dentist is not difficult. Guardian Insurance is ranked with an A+ by the Better Business Bureau.