Make caring for your teeth more affordable by helping cover the cost of dental services.
About our dental insurance plans
Guardian Direct dental insurance makes it possible for you and your family to get the routine dental care that will help keep you healthy from a network of over 100,000 dentists.
Guardian Direct offers three tiers of dental plans to cover a variety of needs and budgets: Gold, Silver, and Bronze**.
If you visit the dentist frequently and you’re thinking about more complex dental work, Gold has all of our benefits in one plan for those that need the most coverage.
If you visit the dentist a couple of times a year and you’re thinking about basic dental work, Silver offers many benefits in one plan for those who need a lot of coverage.
If you visit the dentist for checkups and cleanings, Bronze offers our most affordable coverage.
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Take care of yourself with the dental plan that's right for you.
How it works
Enroll by the end of this month to receive coverage for the following month***
Create your username and password here to manage your account online
In the next 7 - 10 days, you should receive your ID cards in the mail. Sign in to your account to download electronic ID cards today, manage claims, and pay bills
Visit over 100,000 network dentists nationwide
Individual & family dental insurance
Americans with dental benefits are more likely to go to the dentist, take their children to the dentist, receive restorative care and experience greater overall health.
Conversely, if you don’t have dental insurance, you are more likely to have extractions and dentures and less likely to have restorative care or receive treatment for gum disease. People without dental benefits report higher incidences of other illness, including heart disease, osteoporosis, and diabetes¹.
Children’s oral care
Regular visits to a dentist can also be an important part of your child’s lifelong oral health. Tooth decay is the most common childhood disease of children and adolescents². Dental insurance helps make taking care of a child’s oral health more affordable.
Senior citizen’s oral care
When you reach retirement age and as you get older it’s even more important to prioritize regular dental visits to maintain your oral health. People over 60 are at an increased risk for oral health problems — from increased risk of cavities and gum disease to increased risk of mouth, tongue, and throat cancer³.
How dental health affects overall health
Your dental health has a profound impact on your overall health. There are more than 700 types of bacteria⁴ found in your mouth that can cause tooth decay or gum disease. Poor dental care can increase your risk of heart disease⁵, heart attacks, and stroke.
Dental insurance for veterans
Only about 8% of veterans qualify for dental care through Veterans Affairs (VA). Your eligibility depends on various factors, including your military service history, your income, and your current health, and living situation.
If you don’t qualify for VA dental care, you can enroll in an individual dental insurance plan. Depending on the coverage that you need you might find that private dental insurance plans suit your needs and budget better.
Dental insurance advice & insights
Get more answers to you dental insurance questions, as well as useful insurance information, tips, and resources
*Costs vary by state and available plan type selected
** Bronze plan not available in all states.
***Applies to credit card payments.
GUARDIAN DIRECT DENTAL INSURANCE IS NOT CURRENTLY SOLD OR OFFERED IN THE STATE OF COLORADO.
1. https://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx, 2017
2. https://www.cdc.gov/healthywater/hygiene/disease/dental_caries.html, accessed August 2020
3. https://www.cdc.gov/oralhealth/basics/adult-oral-health/adult_older.htm, 2021
4. https://newsinhealth.nih.gov/2019/05/mouth-microbes, 2019
5. https://www.heart.org/en/news/2018/11/07/bad-tooth-brushing-habits-tied-to-higher-heart-risk, 2018
6. https://www.military.com/daily-news/2019/12/16/all-veterans-would-get-dental-care-help-under-proposed-plan.html, 2019
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