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The Cost of Dental Insurance

How much you can expect to pay for dental insurance depends on a variety of factors including your plan type (PPO vs. DHMO), whether your dentist is in or out of network, the type of services you are looking for, deductibles, and your plan’s maximum payouts. If you have a family or you may need dental over the next two to three years, including filings, crowns, implants, or braces, higher tier plans provide more coverage for those procedures but may come with some increased costs. 

Many dental insurance 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. Most plans have caps on what they will pay during a plan year, which can increase the longer you have the plan.

How Much is Dental Insurance Per Month?

How much you will pay for dental insurance per month depends on how much dental coverage you will need over the next two to three years for services like filings, tooth extractions, crowns, oral surgery, periodontal and endodontic services, implants, or braces. Higher tier plans provide more coverage for those procedures but may come with some increased monthly costs. For example, a Guardian Dental Advantage Gold plan covers 100% of the cost of cleanings and x-rays and 70% of the cost of filings. While a less expensive Guardian Dental Advantage Silver plan covers 80% of cleanings and x-rays and 50% of filings. Guardian Direct dental plans start at less than 18.97 per month in most states.*

 

 

*Cost of your plan will vary by state. 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. 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: NEW JERSEY Policy: IP-MDG-DHMO-NJ-17 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.

Guardian Direct plans are underwritten and issued by The Guardian Life Insurance Company of America or its subsidiaries, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. 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. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® ©Copyright 2019 The Guardian Life Insurance Company of America.

2019-87894 (11/21)

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