There are many quality dental individual and group plans available from Guardian and other insurance companies. They can cover cleanings and fillings, and depending on the plan, also help ensure you don’t end up with a hefty bill when you need more extensive dental work. Here’s how different kinds of dental plans work.

Group dental insurance is a popular benefit that can help attract and retain employees. And when you give workers access to dental coverage, it also encourages good oral health. That can translate into all sorts of positive benefits, including savings for businesses. A recent Guardian study found that employers whose employees regularly use their dental benefits may see fewer claims for major and restorative work, resulting in lower premiums for employers and reduced out-of-pocket costs for employees.

Benefits:

• Preventive care helps keep you healthy

Most plans pay all or most of the charge for checkups and cleanings - so there’s no reason not to see your dentist for regular preventive dental services.

• Early detection to catch potential problems

Regular visits to the dentist help keep teeth and gums in good health, so you can help catch and fix a minor issue before it turns into a bigger, more expensive (and painful) oral health problem.

• Lowering your out-of-pocket expenses

A dental crown can cost $2,000 or more. A good full-coverage plan can lower that to under $700.

• In-network discounts

Insurance companies negotiate discounts with their PPO network dentists (the average Guardian discount is 36%). So you save even on dental services that aren’t covered under your plan.

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