There is no deductible or annual maximum as long as you stay with the dentist you select as your primary dental care provider. Guardian Managed DentalGuard DHMO members pay a monthly premium and copayment based on the dental service received. There are currently 124,000 dentists and 363,000 dental offices across the country participating in Guardian’s PPO network.
Guardian PPO plans do not require referrals to see a specialist, and you can visit any dentist but will save money by using an in-network provider. An annual maximum caps the dental insurance payout for the year. PPO dental plans pay a monthly premium for dental insurance that covers a percentage of dental costs after members pay a deductible. Guardian Dental sells individual and family policies across the country via their website, and on in 20 state healthcare insurance exchanges. Both types of policies are available in most states while other states only allow for one or the other, depending on regulations. Guardian Dental Insurance plans fall into two categories: a Preferred Provider Organization (PPO) or Dental Health Maintenance Organization (DHMO). Get special offers, advice and tips from Retirement Living delivered to your inbox. We do this to help you identify companies that will meet your specific buying needs, and we do not receive compensation for these designations. Great Value) based on our staff's judgment. Retirement Living independently researches companies, and we use editorial discretion to award companies with special recognition (i.e. As an Amazon Associate Retirement Living earns from qualifying purchases. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear. Retirement Living will not include companies on our guides that do not meet our quality standards. However, Retirement Living independently researches companies, and the compensation we receive does not affect the analysis of our staff. We may receive compensation from our partners.
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