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Guardian

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3.5

Overall Score

LAST UPDATED: February 29th, 2024

Guardian® began as a life insurance company over 155 years ago. Guardian® works to make insurance accessible to everyone, and over the years has served over 20 million Americans.

Guardian® offers excellent dental insurance options with good coverage. You can find coverage for dental implants and child orthodontic treatment through Guardian®. It also has a superior financial rating from A.M. Best, which signals financial strength and Guardian®'s ability to meet its financial obligations when customers file a claim.

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Customer Review: Angelina Hamilton from Jackson, Mississippi

"My company switched to this year and I went to the dentist yesterday and found out they cover more than my previous insurance did. No deductible for my cleanings! And it’s affordable!"

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The Good

  • Excellent Plan Options for Individuals
  • Dental Benefits Through Employers
  • Additional Insurance Available

Excellent Plans for Individuals

Guardian® offers Dental Health Maintenance Organization (DHMO) and Preferred Provider Organization.

Most insurance plans cover preventive care, like cleanings and dental check-ups. Coverage levels for diagnosis and restorative treatment (e.g. a root canal, filling, crown) varies by dental insurance plan. Plans typically don't cover cosmetic dentistry or orthodontics.

The PPO dental insurance plans have provider networks. However, plan members still have the same treatment covered if they visit an out-of-network dentist. The rates are usually higher for out-of-network dental care, even for preventive treatment. However, the flexibility is an advantage of PPO insurance.

Guardian® also offers Dental Health Maintenance Organization (DHMO) plans. The Dental HMO has a network of dental providers. It's easy to find an in-network provider on Guardian®'s website. For coverage, plan members must receive care from a Guardian dentist. The network flexibility is how PPO and HMO plans differ.

Dental Benefit Options Through Employers

Guardian® works with employers to create benefits packages for employees. For more details on dental plan options, you'll need to reach out to the company directly.

In addition to dental insurance coverage, employers may also be able to work with Guardian ® to offer vision, life, supplemental health, and disability insurance in their benefits package.

Additional Insurance Available

Independent buyers can purchase other kinds of insurance through Guardian®:

  • Vision Insurance
  • Accident Insurance
  • Critical Illness Insurance
  • Cancer Insurance
  • Hospital Indemnity Insurance

These are great additional offerings. Some insurance providers offer more kinds of insurance, like health insurance. Others focus primarily on dental insurance.

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The Bad

  • Limited Customer Insight
  • Area Variability
  • Waiting Periods
  • Dental Discount Plans May Not Be Available
  • Must Provide Contact Information to See Options

Limited Customer Insight

Best Company has not received many reviews for Guardian®. General conclusions about the customer experience are not currently available.

Area Variability

Guardian®’s insurance policy offerings may vary depending on the area you live in. However, it is easy to view your insurance coverage options on the company’s website after entering your zip code.

Waiting Periods

Although there isn't usually a waiting period for preventive care, it's common for dental insurance plans to have a waiting period for restorative dental procedures like fillings and other major dental work. Some dental insurance companies do not have waiting periods. As you review Guardian®'s dental plans, check to see if there are waiting periods for some dental work and whether or not the periods can be waived.

Dental Discount Plans May Not Be Available

If you're looking for a dental discount plan instead of insurance, you may not be able to find plans from Guardian®

While the website does not include any FAQs on dental discount plans, you won't know for sure until you provide your zip code and email address to view options and pricing in your area.

Dental discount plans are sometimes called dental savings plans. These plans are not insurance. Instead, they offer set discounts on dental services when you visit participating dentists.

Must Provide Contact Information to See Options

Before Guardian®'s site shows you dental insurance plans in your area, you must provide your zip code, number of people covered, your age range, and email address. 

If you're still in the research stages, it can be frustrating to provide an email address so that Guardian® can email you quotes on plans.

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The Bottom Line

Dental treatment can be expensive and good oral health affects your overall health. Dental insurance helps by offering access to pre-negotiated discounts and cost-sharing. Regular preventive care like routine cleanings can help you avoid more expensive major services like root canals or bridges.

While Guardian® may not have the same number of dental insurance policies as some of its competitor dental insurance providers, it has several great options for dental plans. Guardian® provides good dental coverage. It's also convenient that the company offers other kinds of insurances, like vision insurance. Those interested in purchasing dental and vision insurance can find both products through Guardian®.

Finding a dentist in Guardian®'s dental network is a simple online process. Visiting a participating dentist helps you maximize your plan's dental savings. Before you buy a plan, you can check whether or not your current dental provider is included in Guardian®'s network.

Before choosing Guardian® as your insurance provider, be sure to check the website for zip code-specific cost and plan options. Consider the out-of-pocket expenses, annual deductible, annual benefit maximum, premiums, and coverage offered. Evaluate these features in terms of your budget and dental work or procedures you may need. 

Customers should also pay attention to the waiting periods. If a you don't want to deal with waiting periods, choosing a plan from Guardian® may not be the best option.

Although more customer reviews are necessary for a full recommendation, Guardian® is a good dental insurance company to consider if its dental insurance plans offer the coverage you need.

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Star Rating

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1.1

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157 Reviews

Review Breakdown

5 grade

6%

4 grade

2%

3 grade

2%

2 grade

6%

1 grade

83%

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Mark Gerwitz Munich, BY

Guardian deigned benefits as requested to cover a cracked tooth. Photos, notes and x rays were send as they requested. The crack was the size of the grand canyon. They claimed that they had a dental expert review the information to make the decision. When pushed to reveal the dental expert.... Guardian did not know the experts name or background. The photos of the tooth were crystal clear identifying the crack.

3 days ago

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Matt

SCAM!!!!!! I wish there was a zero star option. This is the absolute worst dental coverage I have ever seen in my life. They refuse to cover basic procedures and play games for weeks on end by putting your claim in “pending status” until you give up. They confirm multiple times they’ll cover a procedure over the phone but when it comes to paying the claim, they play games and refuse to pay. This company is an absolute scam and is just taking peoples’ money in premiums and never paying out a claim. Stay as far away as humanly possible.

2 weeks ago

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Kevin Kan South San Francisco, CA

Okay, my job has paid Guardian premium for me and family for years. When I've gone in for cleaning and X rays, I've never had a problem. Now that I'm older and having more serious tooth issues with cracked teeth and crowns needed, I've been consistently denied. Resent new cracked pictures and still denied. This is a repeat offense. I've been eating on the other side of my mouth the last 1 1/2 years and even broke off a part of my tooth on the used side. Again denied. If you have a choice of dental insurance, don't pick Guardian. They stink. Totally frustrating.

2 weeks ago

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L. D.

This is the worst dental insurance I have ever had. All of the negative reviews here completely reflect the experiences I have had with Guardian. I saw one of Guardian’s in-network dentists in November of 2023 and they have still not responded to my preauthorization request for crowns. It is now January 16th of 2024. They have told me on 4 different occasions that they were “making a note on my account” about my concerns. Today they claimed to have no records of me calling. They told me they had not even looked at my claim or requested more information until January 4th of 2024. My dentist sent more documents on January 5th and Guardian told me they received it. They said they had ANOTHER 12 days to make a decision. I called 12 days later and they completely changed the story. Now they claim that they never received the information from my dentist at all. These people are liars, and we are changing coverage.

1 month ago

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Jocelyn | Polished Chicago DDS Chicago, IL

Zero Stars. I work at a dental office as an admin and this is THE WORST insurance that we have to deal with. We are working on getting out of network with them. Reps are rude and mysteriously disconnect every call. Their "clinical consultants" are traitorous swindlers to the practice of medicine. Countless deep cleanings and crowns are denied by them every quarter. We even had a root canal patient's crown denied after the root canal was completed under the same plan. And the constant careless mistakes made by who/whatever is processing their claims is truly shocking. Had at least 3 regular cleanings last year denied by Guardian because *they* processed it with the wrong details, despite the information on the actual claim. We warn all our patients not to get a Guardian plan, so I am now extending the courtesy to anyone else who is searching for plans. Get Cigna, BCBS, MetLife, etc. Avoid Guardian at all costs. They won't be in business much longer if they keep treating their dentists and subscribers this way anyway.

1 month ago

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Anne Wall Charlotte, NC

This is the worst dental insurance. I went to the dentist and this insurance covered nothing! I had to pay 1,175! Worst experience with dental insurance I have ever had.

4 days ago

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Mary P

This completely corrupt insurance company gave me a plan under DHMO stating that my dental office accepted this insurance. I had scheduled an appointment 8 weeks in the future and the day of the appointment found out that they DO NOT accept this plan. I called and cancelled the insurance. This was very disappointing and an example of FRAUD. I DO NOT RECOMMEND THIS INSURANCE TO ANYONE!!!!

1 month ago

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Deanie Tuscola, TX

Went to the dentist on August 15, 2023 for a routine exam/cleaning. I have a primary insurance and a secondary insurance through Guardian. They refuse to pay my claim and I consistently get the run around that they need an EOB - which I have already sent to them as well as the dentist office. Next they needed to know the policy specifics on my primary insurance which I also provided to them four times. They denied the claim that they didn't have that information. I called them and they told me they could not take that information over the phone that it had to come from the dentist office. They told the dentist office that information had to come directly from the policy holder. It is just one stall tactic after stall tactic to NOT pay for any claim. I have now sent the information to them via certified mail and a copy of all correspondence to the insurance commissioner's office for the state of Texas. They claim to have never received any correspondence so now I will force them to sign for it! I notice they never have any problems getting their premiums - that's the name of the game - pocket the money and screw over the policy holder!

2 months ago

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Cuban Queen Fort Lauderdale, FL

I had dental insurance with my husband insurance through BCBS of Florida. Needless to say I still have guardian only, now. The only thing I don't like is they took my children of my policy once they turned 20yrs old. Which makes no sense if I have no problem paying to keep them on my insurance. Overall they cover a lot more than most dental insurance companies.

4 months ago Edited October 23, 2023

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Robert DeVita Somerville, MA

Guardian denied a claim for a basic crown replacement because it was not 10+ years old. I only learned this after the claim was denied, and when I called to speak with them, they read from a script until I got fed up and hung up.

1 month ago

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Brian Russell Springville, UT

been dealing with denied claims for the last 6 months. My dentist tried to fight it 3 times. They gave up, now my wife (who worked in dental for 15 years) is trying to reason with them. Their customer service reps are rude and patronizing. will be canceling this fraudulent insurance the first chance I get.

1 month ago

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Rocky Clearwater, FL

Guardian Dental insurance is a ripoff. They denied my claim for crowns which are covered under the policy. I ended up paying $960 out of pocket. Upon filing a grievance with the BBB, I discovered that Guardian has a history of denial similar claims all in the name of profits. I am filing numerous complaints against the company and the dentist who denies these claims. Do NOT waste your money on this worthless insurance.

2 months ago

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Bruce Raven Austin, TX

I had a piece of a tooth break off. I went to my dentist and they told me the tooth was also cracked and that I would need a crown. They showed me the x-ray and a picture of the tooth, clearly showing the fracture. The dentist submitted to Guardian and the claim was denied, saying there was insufficient evidence. The Dentist office appealed the claim and included the photos of the tooth clearly showing the crack. Guardian again denied the claim. I called their customer line and was told the only option was to have the dentist submit another appeal. I asked to speak to their consultant who denied the claim and they said that was not possible. It is not fair to the dentists office to waste more of their time to resubmit the same evidence that clearly shows the crack. This was my first claim with Guardian after having worked at other companies with different dental insurance providers. I have never had a claim appeal denied. If you have any choice, Do not use Guardian!

3 months ago

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Reen Pip East Northport, NY

I have read many of these reviews. Not sure that’s are real reviews but I will give you my real experience. I have had fillings, preventative work crowns implants and always have reached a person to speak if any issue. Also I believe it has to do with the dentist you go to and making sure on their end the codes they are using are correct. You also have a max payout for dental and if you go over it’s on you like any other dental plan. I am in the middle of a procedure and going on Medicare in June and I called guardian and they told me since I have guardian now there are no waiting periods and my work will be covered. I have had guardian for over a year and a half and Delta Dental before that thru my company. So my advise to everyone is understand your plan , check to make sure your doctor is in their network and accepts their coverage in full not partial and know you will have out of pocket expenses. Btw.. my dentist and I get explanation of benefits and I know what to expect in a payment . Maybe it’s different in NY but so far so good for me !

1 year ago

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Zheni Mihaylova Buffalo Grove, IL

I visited two different dentists and both told me I need deep cleaning on my teeth based on the X-rays they took. This year 2023 I decided to get the deep cleaning which Guardian denied the claim for because whoever reviewed my case did not think I need a deep cleaning. I am furious that you get insurance to get your teeth done and now I have to fight with them about my claim, which my dentists fought with them 4 times over it. I am not signing up for this insurance next year, at this point it’s worth paying out of pocket!

3 months ago

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Mary Lau-Thefaine

I visited 2 of their so called providers this week to try to take advantage of my benefit this year and to receive at least a cleaning. First provider demanded a $100 copay which was not correct for in network. Second provider was recommended by Guardian but when I got there at 4 and after a half an hour of X-rays with antiquated equipment and being told my out of pocket would be $3600, doctor told me I would have to return another day to receive a cleaning and that Guardian would not cover even 1 cent of the $88 cleaning fee. Total waste of my time and I’m exceptionally disappointed by the plan that provider stated has very low and slow reimbursement rates. I just flushed a year of premiums down the can.

4 months ago

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Jill Kuhn Los Angeles, CA

Absolutely terrible dental insurance. They deny every claim and the amount the pay dentists for regular preventive maintenance is so low you will always have to pay additional fees. I needed a crown for a huge crack across a molar. They denied it and said the tooth wasn't decayed enough and the crack could be fixed with a filling. If my dentist had drilled into that tooth to fill it, it would have cracked open and then I would have needed an implant--and Guardian would have refused to pay for that! Employers, don't saddle your employees with this horrible provider. Individuals, pay a bit more and get a provider who will provide coverage, like Blue Shield.

4 months ago

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Gray Guo New York, NY

Not a insurance I like. I had a deep cleaning and they denied my claim saying my teeth weren't not at the right bone density level to cover a deep cleaning. I wish I would have known beforehand that they didn't cover my deep cleaning. Makes me feel all they care about is money instead of helping me out.

3 months ago

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Jeff K Odessa, FL

My molar was cracked in 4 places . My dentist put the tooth on " watch" for many years but we did nothing to it until it started to give me some issue with hot and cold fluids. I went ahead and had a crown put on and Guardian refused to cover any of it because it had not fully cracked and/or fell apart. So their philosophy is to wait until you are vacation or something then have that vacation ruined by a tooth issue rather than be proactive . I appealed the ruling and they still denied it. Will never use Guardian again--- what a rip -off.

4 months ago

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desiree keane The Bronx, NY

If only zero stars were possible! To make a long story short, I was told by the guardian rep that came to our employment, by my HR rep, by 2 different representatives i spoke with on the phone that Invisalign is covered, that i have a copay of 2800. This is a flat out lie. After 16 phonecalls back and forth with them and my orthodontist, They do not cover Invisalign.! If i call right now again ans ask they will tell me its covered, thats theres no age limit and i dont need pre-auth. Lies. It is not covered and i changed my insurance because i was told it is covered, had to switch my primary dentist and waited the necessary year guardian claims is needed to be eligible for aligners. I could gave been paying the same price w my old dentist and started treatment a year ago. This is dusgusting.

7 months ago

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D Conifer, CO

Guardian is the absolute worst! Not only have I used their insurance in the past, but I also work with insurance companies for a group of dental offices. I can truthfully say that not one person in our financial department wants to work with Guardian. The benefits are almost always terrible, there is high out-of-pocket costs for most procedures, their provider website never works, the automated phone system is horrendous, but the worst part of Guardian is their customer service. They are rude, unhelpful, rarely have useful information, struggle to answer basic questions, hang up when they don't know the answers, and are all around useless and infuriating to deal with. Please, do yourself and your medical professionals a favor and find a different company!

7 months ago

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Jim Latta El Segundo, CA

Guardian Dental insurance is absolutely terrible. Every claim we have whether it’s a routine cleaning or something more involved is a total hassle. I had a routine cleaning that they wouldn’t pay for because they said I had one a tooth cleaning a month ago on in New York. After hours on the phone phone they finally acknowledged that my son in New York had the cleaning and not me and it was billed incorrectly, not me. Before that appointment,, I had had another routine cleaning that wasn’t covered, so after hours on the phone I had them call the dentist and email them and me proof of coverage. Strange how they process my payment without any problem? Just this week they refused to pay a claim for my wife’s crown work. They said that after 14 years of having their insurance I needed to wait twelve months for and major work to be covered. I had the same problem last year, yet they had no record of our conversation or emails. After talking to seven different customer service people over three days and 5.5 hours on the phone they said that was incorrect. The reason they won’t pay for the crown is because they only pay for crowns on the same tooth every 10 years and her tooth had a crown seven years ago. If you want to be totally aggravated and frustrated then sign up for Guardian’s highest most expensive Diamond program.!

8 months ago

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David Dafoe Louisville, KY

I own the company that offers Guardian Dental Plan in our benefit package. We now realize this is the WORST choice ever! They have done everything possible to deny coverage for me and my spouse. They have no shame. When I called and FINALLY got a live person she instructed me to read the fine print. I could not believe it and I got no real explanation for their lack of coverage during the call. I feel bad because I offer this for my employees. My dentist and my spouse's dentist told us that this was the absolute WORST dental insurance. Stay away from this terrible company - they are one step above organized scammers.

8 months ago

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Charles Brown New York, NY

Beware if you need anything other than a routine checkup and cleaning. I have been seeing the same dentist for years and been on other dental insurances and have never once had a claim questioned on denied until having a claim submitted to Guardian for a crown. I should have known I was in for trouble when the dentist said that since I was on Guardian he was going to submit for preapproval before doing anything. The dentist took X-rays and pictures and even showed me the crack in the tooth visible on the hi-res picture, but Guardian still denied that the crown was needed. My wife needed a CBCT scan for oral surgery. The work was covered, but not the scan that was a needed prerequisite. There is no rhyme or reason to it.

9 months ago

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Ladie Lavender Eastsound, WA

Had this insurance for few months and I really liked their coverage and price. I wish they are staying updated on who their in network providers are, it was really difficult to find someone due to them not updating their records

1 year ago

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Dayna Brown Logan, UT

Quality dental care is important to our family! Guardian makes it so simple to find good 'in network' dentists to fulfill all the dental needs of our family. Their statements are easy to understand and read and I love that they keep us properly informed of costs, they don't hide anything from you! We have been customers of Guardian for years and are very pleased with their services!

3 years ago

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Extra Buzz North Bergen, NJ

Don't buy this insurance. as soon as they get your payment card. you never can stop it. the autopayment is enforced. can' t be cancelled. the insurance policy doesn't cover a lot. most of dentist offices even don't accept them. Smart way is away from Guardian Dental

5 months ago Edited October 2, 2023

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Justin Parker South Jordan, UT

This company does everything thing they can to avoid paying for claims. Know if you use Guardian you may have to exercise your rights under ERISA because they will do their best to avoid granting you the benefits you've paid for.

5 months ago

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J Overland Park, KS

Absolutely horrible service. They have cost me so much money it's unbelievable. They've hung up on me. They refuse to pay a claim they said would be covered at 40%. I've been on the phone with them for hours now.. Avoid this insurance company at all costs. The current agent won't transfer me to a manager.. Ok - eventually I did get to talk to a manager. The same one that said they'd call me back and never did - her name is "Rain" - you can imagine how that went. DO NOT GIVE THESE PEOPLE YOUR MONEY

6 months ago

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Just Carolyn Travelers Rest, SC

I'd give no stars if I could. Paperwork is misleading. I have a missing tooth and wanted an implant. I got the insurance because I couldn't afford an implant on my own. They have a missing tooth clause. If you are missing a tooth- they will not cover an implant. Total BS. Why mention your coverage for implants at all?I called them and they said that the clause is on their website, it didn't have to be in the paperwork when they are selling it to the employees. I am Cancelling at the earliest opportunity. Choose another if it's not too late. I hope they are put out of business.

8 months ago

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Carolyn Mayes New Orleans, LA

This coverage is trash. They covered my annual exam and checkup but not the crown or buildup I required. They were sent my xrays and provider's notes detailing the need (cracked tooth, multiple cavities) and still refused to cover it. Do not use this insurance company. I appealed but they asked for additional documentation which does not exist, and is absurd given what they were already provided.

8 months ago

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A White South Bend, IN

I have been a customer for four years. Two dental visits per year at four years makes eight visits. I have never filed a claim in which I haven't had to chat online or call with an issue. NOT ONCE. This time was the winner. My claim was denied because they filed it under my husband's name and a non existent account. There is no account under my husband, and it's been mine the entire four years. Every time I talk to someone they say "we guarantee this will never happen again." I even sent a note with my plan and ID number and indicated that I always have an issue. They acknowledged they got that note. I don't even have enough words for how a company can operate like this. They also have no words for how they can operate like this other than, "sorry, it won't happen again". Except it will. EVERY SINGLE TIME.

9 months ago

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Mono Poly

-very difficult to speak to a human -they don’t cover all of the things most other dental insurances cover. I needed an implant + crown. They don’t cover the abutment/impression needed to create the crown. Can’t get a crown without this step, so go figure. And beware missing tooth clauses. -their communication is non-existent. I submitted various docs for an appeal and there is no feedback process to let you know they received the docs. You’re left guessing. And see the first bullet point about speaking to a real human. -their appeal portal on their website never worked. I submitted 3 times, got an automated receipt saying it had been submitted m, and three times no one had any record of it being submitted when I called to check. I ended up faxing and sending the appeal docs by certified mail. -I was reimbursed some money and they didn’t even communicate this to me. I found out days later they’d sent the check to my dentist. Only positive - the customer service people I reached over chat and the one time I managed to get someone on the phone were respectful and for the most part knowledgeable. They are free through my employer but I would rather pay a monthly fee and have better service and peace of mind.

9 months ago

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Hannah M.

I was told told by my dental provider that I needed a specific number for them to use my insurance, I assumed this would be one of the numbers I received on my monthly check but it is not, it is apparently on their ID cards but I have NEVER received a card, thought it was a fluke the first year, but my second year I also didn't receive anything. I have also tried logging in online, but you have to have the aforementioned number to open your account. It is an infinite loop of borderline fraudulent behavior that ultimately makes their services un-usable. I opted to just let my coverage lapse, however I now have a dental emergency and any bit would help, I am still in the grace period so I tried to call the number they said I could call to reinstate my plan but they won't recognize my ID number. Completely outrageous and infuriating. Dental insurance is bad enough as it is, DO NOT use this company.

10 months ago

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R Harrison Duchesne, UT

Guardian was the worst dental insurance experience I've ever had. Purchased a policy through the marketplace and they never paid out for anything. If you try to get a hold of a real person, good luck. I returned to my dentist today for my 6 mos cleaning and I had to pay $1K for past work that Guardian found various reasons for rejecting EVERY. SINGLE. CLAIM.... The last time my dental office billed it out to Guardian they told my dentist they would only pay amalgam fillings- not composite so my claims were all being denied. The time before that they said they would only pay Occlusal fillings not Lingual. What a scam company!

11 months ago

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julie roberts

Guardian dentals customer service is abysmal. I emailed customer service asking them to cancel my service before the next billing period, and got an auto reply that they’d handle my request in 2-4 business days. By business day 6, I decided to just pick up the phone. The bot on the line couldn’t understand I was saying DENTAL not CANCER and so I could not get on the line with anyone. I sent out another email requesting cancellation which also got no reply within 2-4 days. The premium was taken out of my acct in this time period. I emailed a third time and finally someone replied. No one has confirmed my coverage is canceled yet and no refund.

11 months ago

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exguardian New York, NY

I've had the Silver / Core plan with Guardian Direct for several years in NYC. Basic cleaning and certain x-rays seems like they're 100% covered. However, things like white fillings (instead of silver) are not covered. All the advanced procedures are partially covered at the beginning of your 2nd year and there is only a small amount of implant procedure covered on a lifetime basis. I understand dental implants are expensive, but I believe they cap it at $700-$1,000 LIFETIME. If you're looking to have several implants, this insurance is pretty useless after your first one. Unless it's just cleaning, I feel like I'm always paying something out of pocket. You won't get much coverage on your first year, but your 2nd and 3rd yr will have better coverage. Overall, Guardian is an ok insurance for the premium I've paid. However, since I've exhausted my lifetime implant limit, I will be leaving them and try out another insurance such as Delta Dental.

1 year ago

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Mark Hunt Aiken, SC

So far, poor experience. Link in welcome email led to the wrong website “guardiandirect” dotcom when it should have sent me to “dentalexchange.guardiandirect” dotcom. I had no chance to understand why I couldn’t register online. Therefore I didn’t get the policy. Therefore, didn’t know that a $60 deductible and 6-month wait applied to even Preventative cleaning at the same dental office I've gone to for years. Deceptive, poor experience. Getting help through email is stupid, replies take 2 weeks and I think a computer would provide more intelligible replies than whatever human(?) is replying.

2 years ago Edited January 26, 2022

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Vince R Philadelphia, PA

Customer Service is awful - you must do everything online as it is almost impossible for you to get through to a representative. been on hold now 16 min with a BS recording saying someone will be with you shortly. Their website on dental plans are a little confusing (I think intentionally). I bought a Silver plan now I think called Core. I was certain that when I purchased the plan, it covered a number of services that I would use. I was also certain that the plan paid up to $1,000 annually which is a standard plan. Turns out, my documentation does not say that, but when I look online at my plan it pays $500. So, I am paying about $360/yr for a $500 a year benefit. I have not used the plan yet, but when I do I expect there to be issues with payment.

2 years ago

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Erinmarie Xian Seffner, FL

Guardian seems to be at the top as far as coverage goes. I was disappointed it didnt cover any Ortho service BUT upon looking thru other companies they still have the best coverage so its whatever (most do not cover ortho).

2 years ago

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Elizabeth Wall-O'Brien New York, NY

Frustrating: My daugeter needed a root canal. Both she and the dental office made calls to confirm coverage with guardian. In fact, the administrative assistant of the dental office put my daughter on the phone so that both the office and my daughter heard the same message: She was covered in full. When I got a sizeable bill for the procedure, both the office and my daughter called Guardian and were told that no one ever said she was covered in full. We asked them to pull the tapes on the call and they have yet to do so. Both my daugher and the dental office have made calls to request help from a guardian supervisor to no avail. They won't let us hear the correct tape. The dental office staff is our witness as we are for them.

4 years ago

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austin pliler Layton, UT

I recently switched companies and started using guardian for my vision and dental. The online interface is easy to use and they are excepted by a lot of places. Insurance is not exciting and neither is this review. Five stars

3 years ago

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Ms M Dasmarinas, CAV

Guardian has the worst customer service.Their reps are rude ,they disconnect call even if you need something else .Reps do not accomodate additional questions they hung up right away.No supervisor available always .

4 months ago

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David Silber State College, PA

Worst. Customer. Service. Ever. They talked me into signing up for a plan, then double billed me. More than a dozen calls to customer service to fix the issue, and promises that someone would call me back (they did...once). Seriously not worth the time and effort.

6 months ago

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Adam Taylor

Just horrible. I had an implant put in. My extraction happened a year prior and I was at a different company then with different dental insurance. I had a failed post implant that delayed my getting a new replacement tooth. Guardian paid $0 for the $5000 post implant (second operation) that was a success. Then I went to my dentist for the tooth implant. They have billed Guardian and they say because they didn't pay for the extraction, they will pay $0 (again) for the new tooth. I would avoid Guardian like the plague. They are impossible to deal with and in my experience never pay a claim.

11 months ago

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Stephanie Lee Sun Prairie, WI

Horrible customer service -- I wasn't getting my full benefits that I paid for and had to call in multiple times to try to talk to someone who could explain to me why. Their website is useless, you can't even find your EOBs or claims on the website. Their phone automation system is terrible, it never understands what you're saying so it takes at least 10-15 minutes each time just to get routed to the right place. And then once you finally get someone on the phone they all know nothing and have to transfer you back and forth. The website is frequently down, on their end as well, so you have to constantly be put on hold while they wait for the system to come back up again. If I had a choice I would NEVER use them for insurance -- go with literally anyone else.

1 year ago

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b. p. Anderson, IN

I have had Guardian Dental insurance for more than 2 years and have never had an issue with routine services. I also had a crown, which I think was paid according to their coverage limitations. I wish they offered more services at an additional premium. $1,000 max cap per year isn't going to get you far with the cost of modern dental.

1 year ago Edited October 23, 2023

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Kyle Martin

Guardian has horrible customer service. They refuse to abide by their own terms and conditions of their product. I filed a claim since they only covered 50 percent of preventative care (they claim they cover 100 percent) but since the dentist charged more then they thought it should cost they claimed to cover 100 percent of a contracted rate. I have laced multiple appeals and the letters come back with an insulting response where no evidence is placed on why they should not cover the claim, but an introduction a conclusion statement about not covering any additional claims and a "This section is left in error" statement. They literally sent me a fill in the blank denial letter TWICE. I would avoid them if possible.

1 year ago

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OC Taos, NM

Be careful of this company and check your statement after you cancel their plan. They kept charging me after I changed my dental plan for the new year through healthcare marketplace. Guardian wouldn't refund my money, were rude, and blamed healthcare marketplace for not informing them. I called healthcare marketplace and they said it was canceled and they did inform them. Guardian then only refunded HALF of my money. I called Guardian to refund the rest and they were very rude again! So I called healthcare marketplace and they stepped in, got Guardian to refund the money owed as well as gave me the number for Texas Dept of Insurance to file a complaint as they were astonished how difficult and rude Guardian Dental was. Never again.

1 year ago

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Matt Petaluma, CA

Swindlers, cheats, and con artists. You should know when they say they'll cover something "100%", they actually mean "100% of whatever we think we should pay", which routinely means less than half of what the procedure actually costs. Literally every claim I've ever filed with them, they've always underpaid the percentage that my plan supposedly promises to cover. I called them on the phone to get an explanation on how they decide how much to pay, and why they are paying less than what my plan says it covers. And they just completely stonewalled me, giving the same canned response over and over, saying "that's what we've determined is the fair value for that procedure in that area", and they refuse to explain who determined that. Or how they determined that, or when. Or to let you talk to any one else who might know the answers to those questions. And it's funny how their "fair value" is always significantly less than what every doctor and dentist is actually charging in the area. That doesn't seem very "fair" to me. How is this legal?

1 year ago Edited August 18, 2023