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Guardian Select for Families and Individuals
Healthcare.gov Individual Dental Plan Finder
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Guardian Select for Families and Individuals

Overview
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Guardian Select for Families and Individuals is an individual dental health plan issued by Guardian Life Insurance Company of America and is available for the year 2019. This dental plan is offered by the federal government through HealthCare.gov and the Affordable Care Act (ACA).

Do I Need to Buy a Dental Plan?

Some but not all health plans offer dental coverage. If your health plan does not include dental coverage, you can purchase a stand-alone dental plan.

However, you cannot buy a dental plan from the government healthcare marketplace, unless you are also buying a health plan at the same time.

Where Do I Need to Live to Quality for this Plan?

This plan is available for qualifying individuals who live in Wayne county, Michigan.

What Type of Dental Plan Is This?

This plan is a PPO plan, which is also known as a "Preferred Provider Organization." In this type of insurance plan, you can choose to receive care from doctors, hospitals, and other providers who are in-network or out-of-network. You pay less if you use in-network providers. In a PPO plan, you can visit any doctor without getting a referral.

This is a lower premium, higher copay and deductible plan. This means you pay less every month, but you will pay more when you use dental services. This plan is better for those who plan to use a lot of dental services.

Where Can I Buy This Plan?

You can purchase this plan at HealthCare.gov.

About
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Issuer
Guardian Life Insurance Company of America
Plan ID
66587MI0080002
Coverage area
Wayne County, Michigan
Phone
Local Phone: 1-844-561-5600
Toll-Free: 1-844-561-5600
TTY:
Plan type
PPO
Coverage type
Low
Child only option
Allows Adult and Child-Only
Deductible
$100
Out-of-Pocket Maximum
$350
Coverage
Adult Dental Coverage
Child Dental Coverage
Deductible
Dental Deductible (Individual) $100
Dental Maximum Out of Pocket (Individual) $350
Dental Deductible (Family) See Plan Brochure
Dental Maximum Out of Pocket (Family) $700
Routine Dental Services (Adult) No Charge after Deductible
Basic Dental Care (Adult) 40% Coinsurance after deductible
Major Dental Care (Adult) 50% Coinsurance after deductible
Adult Orthodontics Not Covered
Dental Check-Up for Children No Charge after Deductible
Basic Dental Care (Child) 50% Coinsurance after deductible
Major Dental Care (Child) 50% Coinsurance after deductible
Orthodontia (Child) Not Covered
Premium Rates
Premium Child Age 0-14 27
Preimum Child Age 18 27
Premium Adult Individual Age 21 25
Premium Adult Individual Age 27 25
Premium Adult Individual Age 30 25
Premium Adult Individual Age 40 25
Premium Adult Individual Age 50 25
Premium Adult Individual Age 60 25
Premium Couple 21 50
Premium Couple 30 50
Premium Couple 40 50
Premium Couple 50 50
Premium Couple 60 50
Couple+1 child, Age 21 78
Couple+1 child, Age 30 78
Couple+1 child, Age 40 78
Couple+1 child, Age 50 78
Couple+2 children, Age 21 106
Couple+2 children, Age 30 106
Couple+2 children, Age 40 106
Couple+2 children, Age 50 106
Couple+3 or more Children, Age 21 134
Couple+3 or more Children, Age 30 134
Couple+3 or more Children, Age 40 134
Couple+3 or more Children, Age 50 134
Individual+1 child, Age 21 53
Individual+1 child, Age 30 53
Individual+1 child, Age 40 53
Individual+1 child, Age 50 53
Individual+2 children, Age 21 81
Individual+2 children, Age 30 81
Individual+2 children, Age 40 81
Individual+2 children, Age 50 81
Individual+3 or more children, Age 21 109
Individual+3 or more children, Age 30 109
Individual+3 or more children, Age 40 109
Individual+3 or more children, Age 50 109
Reference
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  • HealthCare.gov. U.S. Centers for Medicare and Medicaid. Accessed June 11, 2019. https://www.healthcare.gov/
  • What You Should Know about Provider Networks. U.S. Centers for Medicare and Medicaid. Accessed June 11, 2019. https://marketplace.cms.gov/outreach-and-education/what-you-should-know-provider-networks.pdf
  • Dental coverage in the Marketplace. U.S. Centers for Medicare & Medicaid. Accessed June 11, 2019. https://www.healthcare.gov/coverage/dental-coverage/