One of the largest dental insurance providers in the country, Guardian offers Guardian Dental Direct individual policies across the country with excellent coverage options and low rates usually reserved for group plans.
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.
Delta Dental Insurance and Guardian Direct® Dental Insurance are very close in quality and have the same overall rating. That said, Delta Dental scores better than Guardian Direct across: Waiting Period, and Availability. Whereas, Guardian Direct scores better on Coverage, Plan Options, and In-Network Dentists.
It’s easy to find a dentist Coverage type. Select the type of coverage you have or are considering (E.g., DHMO/ dental HMO, PPO, etc.). ZIP code. Type in your ZIP code. Network (or plan) name. Choose the name of your network plan. Search by name or specialty. Enter the name of a dentist or the kind of specialist you need.
Guardian is committed to keeping members healthier by helping them save on important oral care treatments. Guardian covers oral cancer screenings, enhanced periodontal treatments, dental implants , and an additional cleaning after the maximum is met.
With a procedure like a root canal treatment, that savings can be useful. Plus, Guardian Direct®️ PPO plans provide access to cleanings, x-rays, and exams from the time your coverage starts, so there are no waiting periods for preventive care.
Guardian Direct Dental Advantage Gold and Silver PPO plans cover 50% to 70% of the costs of a tooth extraction after a waiting period. Guardian Direct Managed DentalGuard DHMO plans also cover simple and complex tooth extractions at 100% with no waiting period after a copay.
Indemnity insurance is as close as you’re likely to come to getting dental insurance that covers everything . With indemnity dental insurance , you can visit any dentist – there are no networks or approved providers.
Best Overall: Cigna Furthermore, Cigna dental insurance for individuals comes with no copays and no deductibles for preventive care with in-network dentists. Cigna’s dental Preferred Provider Organization (DPPO) plans are available to consumers of all ages, and pricing is offered on a per person, per month basis.
Delta Dental PPO is our preferred-provider option program. With Delta Dental PPO you have access to a network of dentists who accept reduced fees for covered services, giving you the lowest out-of-pocket costs. Delta Dental Premier is our original fee-for-service plan that offers the largest network of dentists.
Delta Dental offers both group plans and individual plans. Plans may have an annual maximum and deductible . Plan members get the most plan savings by visiting a PPO dentist. DeltaCare® USA is our HMO-type plan in which members choose a skilled primary care dentist from the plan network to visit for care.
“For the people who need a lot of work, the dental benefits company isn’t going to cover very much, Balaze said. “For those who don’t need much work at all, the dental benefit plan usually costs more than it’s used.” If you can get dental coverage through your employer for a few dollars a month, it’s probably worth it.
The American Dental Association (ADA) offers these suggestions: Ask family, friends, neighbors, or co-workers for their recommendations. Ask your family doctor or local pharmacist. If you’re moving, ask your current dentist to make a recommendation. Contact your local or state dental society.
Tips for choosing the right dentist Ask your friends, family or co-workers. Chances are one of them has a great dentist they can recommend. Ask your doctor or a pharmacist. If you are moving, ask your current dentist for a recommendation. Visit the American Dental Association (ADA) website, opens new window.
NerdWallet estimates that national average costs for root canals are $762 for a front tooth, $879 for a premolar and $1,111 for a molar. The region of the country in which you live can also determine the cost. If you live closer to the coast, expect a price higher than the national average, says NerdWallet.