85% basic day oneWhitening & child orthoEffective 1st of next month
Annual maximum
$3,000
Most the plan pays per year
Deductible
$50 / person
You pay this first, once a year
Coverage starts
1st of next month
Preventive & basic from day one
What the plan pays
Network: Guardian PPO — you pay least in-network; verify your dentist for this exact product.
Last verified Jun 20, 2026Figures illustrative until matched to your state's plan documentView sources →
The short answer
What is Guardian Premier 2.0?
Guardian Premier 2.0 is a family-oriented individual PPO: it pays 100% for preventive care and 85% for basic care like fillings from day one, plus 50% toward major work, child orthodontics and whitening after waiting periods, up to a $3,000 annual maximum. It does not cover implants or adult orthodontics.
Does Guardian Premier 2.0 cover braces?
Yes — for dependents 19 and under, at 50% after a 12-month wait. Adult orthodontia is not covered, so braces or aligners for anyone 20 or older are paid out of pocket. Orthodontia also carries its own separate lifetime maximum, so verify that figure before you plan treatment. See our braces coverage guide for how child ortho benefits compare across plans.
Does Guardian Premier 2.0 cover implants?
No. Implants are not a covered benefit on this plan — you would pay the full cash price. If implants are on your horizon, a different plan is the better fit.
Why is the 85% basic coverage a big deal?
Because it applies from day one with no waiting period, and 85% is the highest basic coinsurance on our shelf for this tier. Most plans pay 70–80% for fillings and simple extractions; Premier 2.0 pays 85%, so on a $400 filling you cover about $60 instead of $80–$120. See the dental insurance glossary for the terms behind these numbers.
See your exact price for your area
We don't show a national price as if it applied everywhere. Enter your ZIP for area-specific pricing and availability — free, no account.
Best for you if…
You have a dependent under 19 considering braces — child ortho at 50%.
You want strong day-one basic — fillings at 85% with no wait.
You'd use whitening as routine — covered at 50% after 6 months.
Skip it if…
You need adult ortho — only dependents 19 and under qualify.
You need implants — they're not covered on this plan.
You need major work within 12 months — the wait means full price meanwhile.
When each benefit turns on
Your coverage unlocks on a schedule
Your effective date isn't the same as when the plan pays toward a crown. Here's the countdown.
1st of next month
Preventive at 100% + basic at 85%. Cleanings, exams, X-rays, fillings and simple extractions, in-network, from the 1st of next month.
+6 months
Whitening unlocks at 50%. Treated as a routine benefit on this plan.
+12 months
Major & child ortho unlock at 50%. Crowns, bridges, dentures and braces for dependents 19 and under. Adult ortho and implants are not covered. The sooner you start, the sooner the clock runs out.
A crown next year — what would you actually pay?
Tick what you might need. We'll show cash price vs. your share, and how fast it draws down your $3,000 maximum. Illustrative national prices — your dentist's fees decide the real number.
cash $1,200
cash $400
cash $500
cash $300
You save vs paying cash
$0
what this plan pays so you don't
Plan pays
$0
of $3,000 maximum
You'd pay
$0
incl. $50 deductible
Tick what you might need to see what this plan saves you.
No — implants are not covered on Premier 2.0. If you need an implant, you'd pay full cash price; consider a plan with implant coverage instead. Compare implant plans →
Is orthodontia covered for adults?
Orthodontia is limited to dependents 19 and under at 50% after a 12-month wait. Adult ortho is not covered. Ortho also has its own separate lifetime maximum — verify the amount.
How long until major work is covered?
Major work and child ortho: 12 months. Whitening: 6 months. Preventive and basic: day one, no wait. Waits can sometimes be reduced with proof of prior continuous coverage — ask the carrier.
What does it cost per month?
Premiums vary by state, ZIP and effective date, so we don't publish one national price. The ~$70/mo used in the example is for math only — enter your ZIP for an area price.
How much does Guardian Premier 2.0 cost per month?
There is no single national price. Premiums depend on your state, ZIP, age and effective date, so the ~$70/mo on this page is an illustrative figure used only to make the math concrete. To see what you would actually pay, enter your ZIP above for an area-specific estimate, or run a free verification.
Which dentists take Guardian PPO?
Premier 2.0 uses the Guardian PPO network, and you pay the least when you see an in-network dentist. Networks vary by region and by the exact product, so a dentist who takes one Guardian plan may not take this one. Confirm your dentist before enrolling — check the carrier directory and call the office, or search Guardian dentists near you.
Guardian Premier 2.0 vs Delta PPO Premium?
They fit different households. Guardian Premier 2.0 is built for families — 85% basic coverage from day one and child braces for dependents 19 and under — but it does not cover implants or adult orthodontics. Delta Dental PPO Premium covers both adult and child orthodontia plus implants at 50%, which makes it the better choice if adults in the household need braces or implant work. Compare the two on coverage, waits and your own dentist's network before deciding. See the Delta PPO Premium breakdown →
Is this an endorsement?
No. This is an independent review — breakdown and analysis, not endorsement. No carrier pays for placement.
Transparency
Sources & verification status
Figures are an editorial hypothesis from a comparison-shelf snapshot until matched to a current official document for your state. Full provenance lives here.
2026-06-20Published with shelf-snapshot data flagged for verification.
PendingMatch each fact to a current Guardian document for a defined state, then confirm.
CoverCapy is an independent educational marketplace and concierge layer — not an insurer, carrier, dentist, tax adviser or medical provider. Nothing here confirms a treatment is covered; coverage depends on your exact policy, state, ZIP, effective date, network, exclusions, limitations and remaining benefits, all of which must be verified.
Next step
Verify this exact plan — free
We confirm coverage, waits and your dentist's network for your ZIP.
CoverCapy is an independent marketplace — no carrier pays for placement, and "review" here means an objective breakdown, not an endorsement. Figures are checked against carrier sources, dated, and re-reviewed on a schedule; always confirm your exact plan against your state's official document before enrolling.
