Our Guardian Dental Insurance Plan Choices

A review of plans we offer

Below are the five different Guardian dental insurance plans offered on DentalInsurance.com. Plans are not available in every region so use our dental plan comparison tool to see which options are available in your zip code.

Guardian Advantage Starter PPO

The Advantage Starter is a PPO dental plan, which means that it allows you to see in-network dentists at reduced rates or out-of-network dentists (but with higher out-of-pocket costs). In the first year of coverage, the plan will pay up to $500 for covered dental services. This limit increases to $750 during the second continuous year of membership and increases further to $1,000 for the third year and after.

Guardian Advantage Premier PPO

The Advantage Premier PPO plan offers a $3,000 annual maximum, with additional coverage for orthodontics, teeth whitening, and implants. The plan covers most preventive services at 100% and basic services like fillings and extractions at 80% from day one. Major services such as crowns and root canals are covered at 60%. A $50 deductible applies (waived for in-network preventive care), and waiting periods for major services may vary by state.

Guardian Advantage Core

The Advantage Core has the same incremental increase in maximum benefit (i.e. the annual limit on dental plan spending) as the Advantage Starter. However, unlike the Advantage Starter, the Advantage Core covers root canals and crowns after 12 months of continuous plan membership.

Plan Options Continued...

Guardian Advantage Achiever

The Advantage Achiever has annual plan spending limits than the Starter or Core plans. It also has higher cost coverage for white fillings and simple tooth extractions.

Guardian Advantage Diamond

The Advantage Diamond covers some dental services missed by other plans. For example, there is a $500 annual allowance for teeth whitening. Plan members may also use $1,000 lifetime maximum for dental implant services and another $1,000 lifetime maximum for orthodontic services. Some traditional services such as white fillings and simple extractions are covered at 80%.

Guardian Managed DentalGuard

The Managed DentalGuard plan by Guardian is a Health dental Maintenance Organization (DHMO). The advantages of this plan are no limits on spending for covered dental services. The downside is that you are restricted to the plan’s network of dentists for your dental care.

Guardian Dental Plan Comparison

* Some plans increase coverage during the second and third years of continuous membership.