Hey Washington, D.C.! Your smile deserves a Guardian.
Guardian Direct® helps protect your dental health while also protecting your wallet:
Dental plans starting at
$26.99
per month
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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.
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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.
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Easy. No claim forms to submit with an in-network dentist.
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Guaranteed Acceptance. Instant approval. Get a policy today!
There are 2 dental plans available in your area
PPO
Guardian Dental
Advantage Gold
$39.23 Monthly (single)
The most comprehensive coverage
PPO
Guardian Dental
Advantage Silver
$26.99 Monthly (single)
Coverage for the basics plus life’s occasional dental surprises
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.
Item | Cost |
---|---|
Typical Dentist Charges (Cleaning & X-rays for Dave & Emily) | $460 |
In-Network Dentist Charges (savings up to 35%) | $299 |
Guardian Pays 100% for Preventive Care | $299 |
Dave & Emily Pay | $0 |
Savings for Dave and Emily vs. Typical Dentist Charges | $460* |
* 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.
Item | Cost |
---|---|
Typical Dentist Charges for a Filling | $239 |
In-Network Dentist Charges (savings up to 35%) | $155 |
Guardian Pays 70% for Fillings after a $50 Deductible | $74 |
Ted Pays | $81 |
Savings for Ted vs. Typical Dentist Charges | $158* |
* 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.
Item | Cost |
---|---|
Typical Dentist Charges for Child Braces | $5,500 |
In-Network Dentist Charges (savings up to 35%) | $3,575 |
Guardian Pays $1,000 for Child Braces | $1,000 |
Emma's Parents Pay | $2,575 |
Savings for Emma's Parents vs. Typical Dentist Charges | $2,925* |
* 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.
Item | Cost |
---|---|
Typical Dentist Charges for a Root Canal and Crown | $2,258 |
In-Network Dentist Charges (savings up to 35%) | $1,468 |
Guardian Pays 50% for Major Services up to Yr 1 Annual Max | $500 |
Jim Pays | $968 |
Savings for Jim vs. Typical Dentist Charges | $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.
Item | Cost |
---|---|
Typical Dentist Charges for Gum Surgery | $1,265 |
In-Network Dentist Charges (savings up to 35%) | $822 |
Guardian Pays 50% for Major Services after a $50 Deductible | $386 |
Jasmine Pays | $436 |
Savings for Jasmine vs. Typical Dentist Charges | $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