Just like regular health insurance, dental insurance offers different plan options to suit your coverage needs. Two of the most common dental insurance plans are DPPO plans and DHMO plans. From co-pays to annual maximums to your provider network, each plan offers its own advantages and disadvantages for cost and coverage options to suit your needs. PPO Plan: Guardian and its subsidiaries have over 124,000 dentists in over 363,000 locations. Chances are your dentist is in our network. DHMO Plan: Guardian and its subsidiaries have over 12,000 dentists in over 52,000 locations from which you and each family member can select a primary care dentist.Source: Guardian Internal Reporting, 2017. $15 copay/visit $25 copay+10% coinsurance/visit 40% coinsurance/visit. Guardian Dental PPO allows you to seek dental care from dentists who are in or out of the PPO network. 6 Benefit Period Maximum None $1,500 Deductible None $25 per Individual $100 per Family. IP-DEN-OC-16-OR Page 1 v1 Guardian Select. Life Insurance Company of America. A Mutual Company – Incorporated 1860 by the State of New York. 7 Hanover Square, New York, New York 10004 (212)598-8000. DENTAL POLICY OUTLINE OF COVERAGE.

1. Dental Plans With No Copay
2. Delta Dental Copays
3. Delta Dental Crown Copay

See the available plans in your state below.
Click for more information.

Welcome to our family of over seven million customers.

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

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.

Great savings

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.

Dental Plans With No Copay

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.

Delta Dental Copays

Delta Dental Crown Copay

Materials will be made available in alternate format upon request.
Voice Phone: 1 (844) 561-5600
TTY: 1 (800) 947-6644
During business hours.