Dental Insurance Coverage | Guardian Direct

What does dental insurance cover?

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Dental insurance generally covers a portion of the cost of range of dental services from routine preventive care to dental surgery, including oral exams, cleanings, x-rays, filings, extractions, oral surgery, root canals, crowns, and implants. It might also cover orthodontics, periodontics, and prosthodontics, such as dentures.

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Dental procedures at most dental insurance companies are grouped into three main categories: preventive, basic and major. Many plans cover preventive care at 100%, basic procedures at 50-70%, and major services, such as surgery, at 50%. However, coverage and costs can vary depending upon the plan level you select. Many plans have caps on what they will pay during a plan year, which can increase the longer you have the plan.

There is no standard classification among insurance companies for what services are considered preventive, basic or major and insurance coverage varies. When comparing dental insurance plans, it’s important to compare what services each insurance company classifies as preventive, basic or major and what their coverages are for those classifications.

Does dental insurance cover implants?

In many cases, dental insurance plans cover part of the cost of implants after a waiting period.

Does dental insurance cover crowns?

In many cases, crowns are considered a major dental service and many dental insurance plans cover 50% after a waiting period.

Does dental insurance cover braces or invisalign?

Dental Insurance - what does it cover?

In many cases, orthodontia may be covered after a waiting period.

Does dental insurance cover wisdom teeth removal?

In many cases, dental insurance covers wisdom tooth removal, but coverage may vary depending on how complicated the tooth extraction is. Simple tooth extractions are often considered basic dental services and may be partially covered after a waiting period. Complex extractions may be partially covered after a waiting period.

Does dental insurance cover dentures?

In many cases, dentures may be partially covered after a waiting period.

Does dental insurance cover bonding?

Some dental insurance companies cover dental bonding, but it’s best to check with your insurance company.

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Does dental insurance deep cleanings?

Some dental insurance companies cover deep cleanings, but it’s best to check with your insurance company.

Does dental insurance cover night guards?

Some dental insurance companies cover night guards but it’s best to check with your insurance company.

Does dental insurance cover veneers?

Not in most cases but check with your insurance company.

Does dental insurance cover teeth whitening?

Not in most cases, but check with your insurance company.

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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.10/21)

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