The Achiever plan has a year-one maximum limit starting at $1,000 which increases to $1,250 for year two and then to $1,500 for year three and beyond. 50% coverage for orthodontia after a 12-month waiting period - only for members under the age of 19.70% coverage for basic care with no waiting period.Guardian Direct Achiever starts at $29 per month and offers the following benefits: Dental implants have a lifetime maximum limit of $700. Year two raises that limit to $750 and year three and beyond increases to $1,000. The first year of the Core plan has a maximum payout of $500. 50% coverage for implants and dentures after a 12-month waiting period.50% coverage for major care after a 12-month waiting period.50% coverage for basic care with no waiting period.80% coverage for preventative care with no waiting period.Starting at $19 per month, the Guardian Direct Core plan includes the following: Year two raises this limit to $750 and year three and beyond increases it to $1,000. Year one of the Starter plan has a maximum payout limit of $500. 50% coverage for basic care after a six-month waiting period.100% coverage for preventative care with no waiting period.Guardian Direct Starter, the company’s least expensive plan, starts at $15 per month and includes the following: Guardian Direct’s dental insurance plans include different levels and types of care that vary in the percentage that is covered and their waiting period. Guardian Direct dental insurance company plans/offerings The Starter plan also has a six-month waiting period on basic care services. However, you must wait 12 months from your plan’s effective date before the company pays 50% of the cost. The top three tiered plans include coverage for major dental work - crowns, oral surgery, dentures and more. Major services have a long waiting period You can only complete these tasks on the Guardian dental website. However, the app doesn’t let you apply for an insurance plan, check your coverage, file a claim on your policy or contact the company directly. Guardian Life’s Providers & ID Card app can help you find and contact in-network dentists in your area.
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To know if you reside in an eligible state for specific coverage and services, you’ll have to enter your name, age range, email address and ZIP code in the “Find your plan” section of Guardian Direct’s website. For example, the “no waiting period” for basic care doesn’t apply to customers in all states. Cons explained Limited availabilityĪccording to its terms and conditions, Guardian Direct reports that certain products and services may not be available in some U.S. The top three plan levels also cover 50%, 70% or 80% of basic care with no waiting period. All four Guardian Direct dental insurance plans include preventive care, such as cleanings and X-rays, with no waiting period. No waiting period for preventative care and basic dental servicesĭental insurance companies impose different waiting periods depending on the type of service and a customer’s plan level. Its 2022 annual report highlights a few outstanding financials, including $90.1 billion in assets under management, $7 billion in benefits paid to policyholders and $1.3 billion in policyholder dividends. Established in 1860, Guardian Life is one of the largest mutual insurance companies in the U.S. Guardian Direct dental insurance is just one of many insurance plans that Guardian Life Insurance Company of America (Guardian Life) offers. Higher-tiered plans cover additional services, including crowns, surgery, implants and teeth whitening. All four plans cover preventative and basic care at different percentages depending on the plan’s terms and conditions. Guardian Direct offers four dental plans, with premiums starting at $15 per month for the Starter plan. Pros explained Wide variety of dental plan types Major services have a long waiting period.
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