Dental insurance can help cover the whole family or just one individual. Whether you work for yourself or you’re just looking for your own coverage, you can purchase affordable and comprehensive dental insurance directly from an insurance provider. Learn how to find the right dental insurance for individuals that meets your personal needs, so you can help save money on the cost of both preventive and emergency dental care.
Looking for plans?
Let’s find the right dental plan for you.
How do I find the best dental insurance for individuals that meets my needs?
The individual dental insurance plan that works for your needs depends on a variety of factors such as your budget. When evaluating dental insurance plans, you’ll want to investigate costs, network size, and plan options among other factors.
Before you start looking for a plan, consider your budget. You’ll want to consider not only your monthly premium cost but also any out-of-pocket costs associated, such as deductible and copay amounts. If you choose a plan with a higher monthly premium, you’ll usually pay less out-of-pocket.
The size of a certain insurance provider’s network of dentists is also important to consider. You’ll want to make sure you have a wide selection of dentists you can visit while still enjoying your plan benefits. Plus, it’s important to choose a plan with providers in your area. If you’re attached to the dentist you currently visit, check whether that dentist is in-network or to choose an individual dental insurance PPO plan that still offers partial coverage for out-of-network dentists.
You’ll also want to decide how much coverage you’d like to purchase. Guardian Direct® offers Bronze, Silver, and Gold dental insurance plans ranging in cost and coverage levels. If you’re married or have dependent children at home, it may be a good idea to investigate purchasing a higher tier plan to cover all your family’s needs such as the Gold Plan.
How much does individual dental insurance cost?
You’ll typically pay a monthly premium in exchange for dental benefits. Your premium amount will depend on your state, how many individuals are covered by your plan, and the tier of plan you choose, including exclusions and limitations your plan may have.
Guardian Direct® Bronze plan subject to waiting period requirements, cover preventive care such as cleanings and X-rays at up 100%. They also cover basic procedures such as fillings at up to 50%.
Guardian Direct® Silver plan subject to waiting periods requirements, cover preventive care at 80%, basic care up to 50%, and major care, such as root canals, crowns, and implants up to 50%.
Guardian Direct® Gold plan subject to waiting period requirements, cover preventive care at 100%, basic care up to 70%, major care up to 50%, and child braces up to 50%.
All these plans have no waiting period for preventive care, though basic and major coverage plans usually involve a six to 12 month waiting period due to the complexity of the procedures involved.
Your monthly premium amount isn’t the only cost involved when it comes to dental insurance. You’ll also want to check your policy carefully to learn about copay amounts, coinsurance, and annual maximums.
Dental insurance helps to cover a portion of many dental procedures, but not all of them. Cosmetic procedures such as teeth whitening and bonding typically are not covered by dental insurance. Procedures performed before your waiting period is up may not be covered by your dental insurance either. You’ll likely be responsible for the full cost of treatment for procedures not covered by your plan, so look through your policy carefully.
Where do I find individual dental insurance plans?
You can get individual dental insurance online, over the phone, or through a broker. Purchasing dental insurance directly through an insurance provider online may be the quickest and easiest option.
However, while you can purchase dental insurance from anywhere, your physical location will likely impact the options available to you. When you get a dental insurance quote, you’ll be able to review policy options in your location based on your zip code.
Search for individual dental insurance providers
As you search for a dental insurance carrier, you’ll want to consider costs such as monthly premiums, out-of-pocket costs, and annual maximums. But finding a dental insurance provider with a wide network of dentists can be just as important. Before choosing a plan, make sure the provider has a wide selection of dentists and other practitioners near you.
Guardian Direct allows policyholders to choose from over 100,000 in-network dentists. Find out if your dentist is in Guardian’s large network or find a new dentist that’s right for your needs by searching our dentist directory. You can also search by case management, endodontists, general dentists, oral surgeons, orthodontists, pediatric dentists for children, periodontists, or prosthodontists.
Dental insurance for individuals on Medicare
Seniors can also benefit from individual dental insurance. Traditional Medicare (parts A and B) typically doesn’t include dental benefits, but you and your spouse or partner still have two main options when it comes to obtaining dental insurance coverage. You may be able to bundle coverage with health, dental, and vision full coverage plans (such as Medicare Part C) or buy direct dental insurance from an insurance provider. Please visit https://www.medicare.gov/ for details.
If you choose not to purchase dental insurance coverage, you may end up paying much more out-of-pocket in the long run. Adults over 60 are especially prone to cavities, gum disease, and even mouth cancer¹. Treating these conditions can easily cost thousands of dollars without dental insurance. Dental insurance can help seniors protect their finances and help take care of their health during retirement.
Individual dental insurance with orthodontic coverage
Some individual dental insurance plans do cover orthodontic care. Orthodontic dental care is typically only offered under higher-tier plans. The Guardian Direct Gold plan subject to applicable exclusions, covers orthodontic treatment up to 50%.
However, under this plan, coverage for orthodontic treatment usually involves a 12-month waiting period and typically only applies to children under the age of 19. Dental insurance that covers braces for adults is typically uncommon but available. If you’re interested in getting affordable adult braces and you can’t find an individual orthodontic dental insurance plan, you may want to consider asking your orthodontist about payment plans or dental savings plans.
The average American spends about $5,000 to $7,500 on braces without dental insurance². If you’re considering getting braces for you or your children in the upcoming years, dental insurance with orthodontic coverage could really pay off.
How to buy individual dental insurance plans – Insights
Buying individual dental insurance is a personal decision. The best individual dental insurance plan for individuals depends on your budget, your needs, and your preferred dentist. We’ve compiled a few resources full of advice, tips, and insights to help you do the research necessary to make that decision. Learn more about how to buy the best individual dental insurance plan that works for your needs.
How much is dental insurance?
The pros and cons of DPPO and DHMO dental plans
Why some dental insurance plans have no waiting periods
Dental insurance vs. dental discount plans comparison chart
Self-employed guide to individual dental and vision insurance
How to buy dental insurance: the first 4 questions to ask
Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.
Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice and is not intended to influence any reader’s decision to select, enroll in or disenroll from a Medicare plan and is not intended to influence any reader’s decision to select, enroll in or disenroll from a Medicare plan. This is not dental care advice and should not be substituted for regular consultation with your dentist. If you have any concerns about your dental health, please contact your dentist's office.
Explore the latest insights, articles, and guides in our weekly newsletter.
https://www.mouthhealthy.org/en/adults-over-60/concerns, accessed December 2020
https://www.health.harvard.edu/oral-health/are-you-too-old-for-braces, accessed December 2020
Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice.(exp.12/22)