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Hey Florida!  Your smile deserves a Guardian.

Guardian Direct® helps protect your dental health while also protecting your wallet:

plan-tooltip
 

Dental plans starting at
$8.06
per month

  • Large Network of Dentists.  With over 114,000 dentists in the Guardian network, it's easy to find a dentist to fit your needs. And with an in-network dentist, save up to 35% off standard dental rates.

  • Savings.  After all, isn't that the point of dental insurance? Because Guardian Direct insurance covers cleanings and x-rays, your premiums virtually pay for themselves. And you'll also automatically save on costly unexpected needs such as fillings or root canals.

  • Easy.  No claim forms to submit with an in-network dentist.

  • Guaranteed Acceptance.  Instant approval. Get a policy today!

There are 3 dental plans available in your area


PPO

Guardian Dental
Advantage Gold

$32.68 Monthly (single)

The most comprehensive coverage
 

  • Save up to 35% by choosing an In-Network Dentist
  • No waiting period for preventive care
  • Guardian Covers:

PPO

Guardian Dental
Advantage Silver

$22.84 Monthly (single)

Coverage for the basics plus life’s occasional dental surprises

  • Save up to 35% by choosing an In-Network Dentist
  • No waiting period for preventive care
  • Guardian Covers:

PPO

Guardian Managed
DentalGuard - FL

$8.06 Monthly (single)

Low monthly cost and no waiting periods

  • Choose 1 Primary Care Dentist from within the Network only
  • No waiting periods
  • Guardian Covers 100% after Your Copay* of:
* Sample Copays

 

Click on each case below to see how you can save

Case studies

With their Guardian Dental Advantage Bronze plan, Dave and Emily received preventive care from one of our more than 114,000 in-network dentists. Their care, including cleanings and x-rays, was fully covered. 

* Coverage based on Dental Advantage Bronze PPO plan reimbursement. Actual coverage may vary. This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

Ted takes good care of his teeth by brushing and flossing regularly, so he was disappointed when his Dentist found a cavity. With his Guardian Dental Advantage Gold plan, Ted saved $158 on getting his cavity filled.

* Coverage based on Dental Advantage Gold PPO plan reimbursement. Actual coverage may vary. This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

Emma was excited to be getting braces to correct her overbite. With her parents' Guardian Dental Advantage Gold plan, Emma's parents were able to save $2,925 off the cost of Emma's new and improved smile.

* Coverage based on Dental Advantage Gold PPO plan reimbursement. Actual coverage may vary. This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

Jim took a big bite and knew instantly he had cracked his tooth. His Dentist recommended root canal surgery and a crown at a cost of $2,258. With his Guardian Dental Advantage Silver plan, Jim paid only $968, saving $1,290.

* Coverage based on Dental Advantage Silver PPO plan reimbursement. Actual coverage may vary. This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

Jasmine had gum disease. Jasmine's Dentist advised that gum surgery could help prevent the spread of bacteria from her gum disease to protect her overall health. With Guardian Dental Advantage Silver, she saved $829. 

* Coverage based on Dental Advantage Silver PPO plan reimbursement. Actual coverage may vary. This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

 

Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state. Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides DENTAL insurance only.

Dental provider networks vary by state, by market and by plan type

Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually.

IMPORTANT INFORMATION ABOUT GUARDIAN’S DENTALGUARD INDEMNITY AND DENTALGUARD PREFERRED PPO PLANS

Dental PPO plans provide in-network and out-of-network benefits. Use of an in-network provider may result in reduce out of pocket costs.

Coverage is limited to those charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury. Deductibles apply. Waiting periods may also apply for some services

Individual dental plans do not pay for: oral hygiene services (except as covered under preventive services), orthodontia (unless expressly provided for), cosmetic or experimental treatments, any treatment to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment.

Individual dental plans limit benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic and prosthodontic services.

Listed services, exclusions and limitations do not constitute a contract and are a summary only.

IMPORTANT INFORMATION REGARDING DENTAL HMO BENEFITS

Dental HMOs provide Pre-Paid dental benefits through a network of participating general dentists and specialty care dentists. All covered services must be provided by the member’s Primary Care Dentist. Specialty care services are covered only when referred by the member’s Primary Care Dentist and approved in advance by the Dental DHMO.

Only those services listed in the Dental HMO plan are covered. Certain services are subject to annual or other periodic limitations. Where orthodontic benefits are specifically included, your policy provides for one course of comprehensive treatment per lifetime, per member. Dental HMOs do not provide orthodontic benefits if comprehensive orthodontic treatment or retention is in progress as of the member’s effective date. Listed services, exclusions and limitations do not constitute a contract and are a summary only.

Products Underwritten by Guardian Life Insurance Company of America

DENTAL PPO PLANS  Policy Form IP-DEN-16 ET. AL.

DENTAL HMO PLANS

      FLORIDA              Policy Form IP-1-MDG-DHMO-FL-OFF-17

      NEW YORK          Policy Form IP-MDG-NY-FP-OFF-17

 

Products Underwritten by Managed Dental Guard, Inc.

DENTAL HMO PLANS

      TEXAS                 Policy: IP-1-MDG-DHMO-TX-17

 

Products Underwritten by First Commonwealth Inc. through its Illinois subsidiaries*

DENTAL HMO PLANS

      ILLINOIS             Policy: IP-FCW-DHMO-IL-17

*First Commonwealth Insurance Company — (IL), First Commonwealth Limited Health Services Corporation — (IL), First Commonwealth of Illinois, Inc.

 

Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers