Guardian Dental

Guardian Dental is a subsidiary of Guardian Life Insurance Company of America, one of the largest mutual insurance companies in the US. Guardian was founded in 1860 and has been a stable company ever since. Among other products, the company offers discounted group dental plans to businesses. The dental savings plans are designed to provide quality dental care at a discounted price to their customers, with the reliability of all Guardian products. These plans have been designed so families can choose the best coverage for basic and preventive dental care, and to reduce costs for major dental work. Good dental care reduces health care costs and absenteeism overall.

The Guardian Dental savings plan can be custom tailored to a business and its employees, in order to best meet the needs of families. The Guardian Dental plan focuses on preventive care – a plus for families with young children. Most services, including those performed by specialists, are discounted to limit out-of-pocket expenses for preventive care, emergency care, filings, and crowns.

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Guardian Discount Dental Plan Features

• Employee membership plans are available for both individuals and families, and coverage starts almost immediately.
• You may choose any of the dentists within the plan—or pay a little extra for an out-of-network dentist.
• Savings range from 10 to 60 percent, with an average of 32 percent savings.
• Basic services available to members of the plan include free exams, bitewing X-rays, and panoramic film with yearly cleanings. Other basic services include sealants, and fillings. These basic services are all vital for preventive dental care for those on limited incomes or those with children.
• Specialist services include gum disease treatments, root canals, crowns, dentures, and bridges.
• This supplemental coverage is available for spouses and children—no age limits.
• All family members must go to the same dentist.  
• There are no claim forms or deductibles for the savings plans.
• There are no annual or lifetime maximums for treatment, and no lengthy waiting periods before treatment can begin.
• No pre-existing condition exclusions.
• There are no referrals necessary to see a specialist.
• Lab fees may be charged for crowns and bridges.

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