Affordable Dental Insurance Plans for Individuals, Families, and Businesses | Guardian (2024)

FAQs

What is the best insurance to have for dental? ›

According to the National Association of Dental Plans, Dental PPO plans are the most predominant type of plan in the U.S. market; 82 percent of all dental policies are PPOs.

The Value Plan offers members who choose to see a Guardian participating dentist the most savings and Out-of-Network benefits are limited to Guardian's PPO fee schedule. With the NAP Plan, all out of network services are based on usual, reasonable, and customary rates for given area.

Guardian Direct is part of the Guardian Life Insurance Company of America. Guardian Direct empowers you with benefit flexibility, mobility, and stability through an individual benefit platform, leading with dental.

Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.

As an employee, the OCC Dental Insurance Program offers you the choice of two quality dental options — the PPO option called Delta Dental PPO^™ and the dental HMO (DHMO) option known DeltaCare^® USA. Each option is structured differently.

Unlike some managed care plans, such as HMOs or PPOs, which may require individuals to select healthcare professionals from within a network, indemnity plans allow you to visit any licensed healthcare provider or facility.

For adults ages 19-64, 61.4 percent have private dental benefits, 15.7 percent have dental benefits through Medicaid, and 22.8 percent do not have dental benefits. Source: National trends in dental care use, dental insurance coverage, and cost barriers (PDF) (HPI Report).

A basic dental plan covers preventive care such as checkups, cleanings, x-rays, and a few basic procedures, like cavity fillings. Full coverage plans cover much more – and often at a lower out-of-pocket cost to you.

What does PPO stand for in dentistry? ›

What is a dental preferred provider organization (PPO) plan? A PPO plan is a regular indemnity plan combined with a network of dentists under contract to the insurance company to deliver specified services for discounted fees in accordance with provisions in the signed agreement.

The Noninsured Crop Disaster Assistance Program (NAP) administered by USDA's Farm Service Agency (FSA), provides financial assistance to producers of non-insurable* crops to protect against natural disasters that result in lower yields or crop losses, or prevents crop planting.

The Better Business Bureau gives Guardian Dental an A+ rating. Guardian Dental is one of the most affordable plans on the market. Guardian Dental offers both PPO and DMHO plans. With Guardian Dental, you can choose from three levels of PPO dental plans.

Guardian Dental Core

Dental Core plan has an annual maximum of $500 for year 1, $750 for year 2, and $1,000 for year 3 and after except for some dental services like dental implants (Lifetime max: $700).

You also often have to pay coinsurance, a percentage of the cost of treatment even after you have met your deductible. When you factor in deductibles, copayments and premiums, dental treatment can be expensive even if you have insurance, and it's not always clear if coverage is worth it.