You can choose from a number of plans, including a Preferred Provider Organization (PPO) plan or a Dental Health Maintenance Organization (DHMO) plan according to your individual requirements and budget. The Guardian Dental PPO plan has 420,000 dental clinics and 120,000 providers in its network of dentists.
Guardian Dental Preferred Provider Organizations (PPO): This is your typical indemnity insurance plan that uses a network of dentists who are under contract with Guardian Dental and who provide specific services for set fees. An indemnity dental plan like the Guardian PPO (also known as traditional insurance) pays a percentage of your claims’ costs based on the specific dental procedures that are performed.
With a Guardian Dental PPO:
- You pay a monthly premium for dental insurance that covers a percentage of your dental costs after you meet a deductible. Dentists in the Guardian PPO must accept the maximum fee allowed as dictated by Guardian Dental.
- You don’t need a referral to visit a dental specialist. You can visit any dentist you wish, but you’ll save money by choosing one that’s in the Guardian Dental Preferred Provider Organization.
- PPO dentists don’t require a referral, but some may have a waiting period. This means you might not be able to get an appointment right away.
- You won’t need to pay a copay if you see a dentist in the Guardian Dental PPO network. Plus, your dentist will file all of your claims for you.
- Keep in mind that your insurance will pay an annual maximum.
The average cost for dental insurance through a Guardian PPO ranges from around $16 to $60, depending on the state you live in and the type of coverage you select. Prices will also differ according to whether you choose an individual plan or a family plan.
You can choose from three tiers of Guardian PPO dental insurance plans.
- Bronze: This is a good choice if you are only looking to get regular cleanings and an occasional filling. This plan offers the most affordable coverage.
- Silver: This is the best plan if you believe you’ll need dental work that goes beyond the occasional filling.
- Gold: This is the maximum amount of coverage available. You should choose this option if you visit the dentist often and you think you’ll need more complex dental work.