Name: Guardian
Rating: 1.1

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Madison Wong New York, NY

Awful coverage. God forbid you take care of your teeth. If they aren't experiencing bone loss get ready for a major bill that they will fight to the death not to cover.

7 months ago

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Elena Rakowski

Some of their plans say they cover 100% out of network. What they really cover is 100% of is what they calculate the total cost should be for the dental care, they do not cover 100% of what you are actually billed. Recently paid $120 for a basic dental exam for my daughter and they reimbursed $42.

1 year ago

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David Z Madison, WI

This company has my dentist listed as "in network" on their healthcare.gov page and stated I had coverage for my dentist, even provided a letter to my dentist's practice confirming I was covered. When bills were submitted for payment, I suddenly wasn't covered and my dentist was "out of network."

1 year ago

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Chris Short Lima, OH

Not able to register online. Customer service is not much help. People don't speak good English. I received my first 3 deposit just fine then my next one they got my account number wrong. Took over a week to get fixed. I'm not happy at all with them. Have trouble getting any tax info from them.

1 year ago

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Keyki Bavand Santa Rosa, CA

They deny your claims for the most ridicules reasons. Twice the rejected my claims because the tooth was extracted before I was insured by them. In both cases my secondary insurance through my wife's insurance (Delta) paid more than half the cost. Total scam.

1 year ago

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Saki Dog Midlothian, VA

Absoulute scum. Scam artist of the highest degree. I went line by line and they are not even paying money out by there own rules. I went over the phone line item by line item pointing how they messsed up and the lady confirmed it and THEY still told me to file an appeal. Scummest Dental provide on the earth

1 year ago

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Jaime Diaz Willow Springs, NC

I signed up with them through my job company and I’ve been waiting for my card 4 weeks to find out my dentist does not take them. I have to go to there PPO and If go to my dentist I have out of coverage. I wish I did my research before I signed up.

1 year ago

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Ashley Davenport, FL

I wish I could give zero stars. They have wriggled out of covering anything that isn't a basic cleaning. I essentially gave them free money in the form of my monthly premium to keep while they screwed me when I expected the coverage in return for said payment. Terrible and intentionally misleading company.

1 year ago Edited October 19, 2022

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Richard Abrams Agoura Hills, CA

I am a dental provider associated with Guardian. They have been a very negative experience dealing with. They have virtually no respect for my office as a provider. The one thing that they do well regularly is to take advantage to bolster their bottom line.

1 year ago

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Rebecca Horn Queen Creek, AZ

If I could leave a negative rating I would. To give this company 1 star review is going above. When calling the reps to check claim status they either do not know what they are doing, are extremely rude, or place you on permanent hold. This company is extremely unprofessional and their over seas call center need to be monitored by quality control,

1 year ago

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Laura Potter Manchester, CT

Absolutely horrible dental insurance. Denied coverage for a crown a replacement crown because I had only had it for 4.5 years. If It had been over 5 years they would have covered it at 60%. I paid for the first one my self... why bother with Dental insurance.

1 year ago

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Tajai Kuhn Ocala, FL

It is a constant battle to get benefits paid. I have had to reach out to my dentist several times, and they have proof they have sent the claims to Guardian. Guardian then says they don't have the information, or give me the runaround. All of this for my husband, who is a dependent and I pay for! Terrible customer service in my opinion.

2 years ago

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Dan Grant Belpre, OH

Good coverage on paper, but terrible policies that never allow you to use the full value of their benefits. By far the worst dental insurer I have ever been offered through an employer. Slow to pay providers, old crappy website, dental policies from the 1970's when silver fillings were all the rage.

2 years ago

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Jeff Cantlebary Kailua-Kona, HI

One star is the lowest score I can give but way too high for this pitiful company. I have 2 claims for dental teeth cleaning going back 11 months that I have not been paid for. I have easily spent over 10 hours on the phone with nice but unhelpful customer service representatives. Easily the worst company I have ever dealt with

2 years ago

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james Darcy Loveland, OH

I have been trying to cancel my vision insurance through this company for months and never have gotten through to a rep. tried online tried pretty much everything looks like I'm stuck with 2 vision plans for the rest of my freaking life. trying a pigeon by mail maybe that will work.

2 years ago

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Crissy Evelyn Brooklyn, NY

Horrible company with horrible customer service representatives that talk down to customers. They want me to pay the difference for white fillings. Saying the dentist should have known that and I need to call my dentist office not them! Very rude! Not worth it . Find a better company

2 years ago

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Kelly

They are awful. We have paid for 7 months and tried to use the insurance today and they cost me half of a day of work and i couldn’t take my family to the dentist. I am very unhappy with them and honestly can’t wait until we can switch companies. If I could give zero stars I would.

2 years ago

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Chris Craig Fenton, MI

Company covers nothing, set up to deny all Claims! No coverage is better! Had these guys once, now my new company uses them! Thank goodness I can drop my coverage and use my wife's, run from these guys, fraudulent company focus on profits, what is a patient?

2 years ago

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Ron Suarez Fort Worth, TX

I filled out the form to sign up for dental insurance. Now they don’t have any record of me signing up. The rep said to call my employer admin. My admin can’t make Guardian give me a policy number so I can see a dentist. I wish I could give ZERO stars since I am receiving zero coverage.

2 years ago

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JANET Round Rock, TX

This insurance is horrible. My husband even asked what do they actually pay for? I have had a chipped crown in my mouth for over 6 months. They denied my claim now I am going thru the longest appeal process I ever heard of with a insurance company. My company is using them with ADP. Horrible!

3 years ago

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Dale Mayo Lynnwood, WA

Guardian is the worst insurance company I have ever dealt with. They will deny your claim and force you to go through the appeal process. If you want your dental work covered and do not want to be worried about getting stuck with an expensive bill find a better more reputable insurance company.

3 years ago

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Kaycee Orlando, FL

They don't cover any procedures, and they have a "dentist" on staff who apparently knows more than my actual dentist. I absolutely need a deep clean as I haven't been to the dentist in an embarrassingly long amount of time, but according to Guardian, I should only be going to the dentist for a light cleaning. Yeah right. Crooks.

4 years ago

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19zander Garland, TX

Just had my free checkup and x-ray using Guardian. The staff outlined a list of services needed and out of pocket seems reasonable.

3 years ago Edited September 14, 2021

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Lindsay Norcross, GA

My cleanings are covered as well as x rays. I have never encountered problems with using my dental insurance or issues with claims.

4 years ago

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Madison Kneiss Long Beach, MS

It is very hard to find an network doctor in my area so you always pay more than what you expect. When I have called the customer service line they have always been very friendly and professional

4 years ago

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Dace Zyr

Absolutely trash insurance, barely covers cleanings and periodontal maintenance, denies crowns. Will be looking for a new job just for better options.

9 months ago

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MBA Dallas, TX

It’s a good insurance company. It’s a bare bones company. Finding a provider in your area is hard enough to locate. Best advice find another company.

1 year ago Edited February 28, 2023

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Lousy Spokane, WA

They have horrible coverage, don't fight for their clients. Ms. H had me get a second opinion on a defective bridge and I did but she came back with the same answer, nothing they will do?? This went on for A YEAR.

1 year ago

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Jackie Florence-Gormley Farmington, MI

This company provides the worst customer service I have ever experienced. Very rude and unhelpful staff. They even hung up on me. I wish my employer would change to a different company. It’s awful.

1 year ago

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CHRISTINE KNAB Fort Walton Beach, FL

If I could give this service zero stars I would have. It is a scam and you pay more out of pocket with the monthly membership + the deductible than you would pay not having any dental insurance at all.

1 year ago

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Becki Banks St Louis, MO

I was suppose to be covered the first day of employment. I am in my last week of employment and still don’t have coverage because they weee behind with entering my information. I have paid for a service that I did not use.

1 year ago

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Catheryn Vargas New Braunfels, TX

They had the wrong birthdate despite my using them for 2 years already and then I called to correct and their automated system is a joke. Couldn't understand a simple yes or no and constantly threatened to disconnect me.

1 year ago

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AC customer Long Beach, CA

Horrible. This company does not have proper customer service. No dental records. Policy adjustment without consent will occur. Beware. Unless you're prepared to go to battle just avoid the headache.

2 years ago

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Reinder de Boer San Antonio, TX

Their website is a joke. Can’t change credit card info, as far as I can tell. Needlessly complex to navigate. And I haven’t even used them so far. What ID card?

2 years ago

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Andrew Taylor New York, NY

This is appallingly bad - their dmo plan js a joke, the customer service line literally connects to nothing and has for over a year. To even offer this plan should be considered criminally negligent.

3 years ago

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C Perrysburg, OH

Poor business practice, do not use this provider. Specified services will not be covered if Guardian believes a diagnosis is "questionable". Just bad business and bad relationship management.

3 years ago

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Jennifer Jupiter, FL

STAY AWAY, DO NOT WASTE YOUR MONEY!!!! They are scam artists and will come up with every excuse under the sun to avoid covering your supposed benefits. I REPEAT, STAY AWAY!!!!!!

4 years ago

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buda caramma ida sonia Syracuse, NY

This insurance company is totally useless! Save your money and go somewhere else. We paid for a whole year to end up to pay our dental bills out of pocket. Totally scam!

1 year ago

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LeAnn Baytown, TX

We have Guardian. There are plenty of dentist to choose from. We have never had any billing issues or anything.

2 years ago

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J B Sandy, UT

Had Guardian dental at my last job, they always provided good online tools for finding a dentist.

2 years ago

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Ajay Patel Southlake, TX

Great coverage! I would recommend to increase providers for better coverage and ease of access to care.

3 years ago

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Dace Station Gilbert, AZ

Trash company, awful coverage for what it costs. If you have a lot of dental work planned, avoid them.

11 months ago

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Michelle Peckinpaugh Madison, MS

Did not cover a tooth being extracted. Better off putting money in savings instead of paying monthly premiums on services they do not cover.

1 year ago

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leonard ngo Lakewood, CA

Be aware .... your dentist will not in their list as prefer dentist and they will use this excuse not to pay for your service or very little...

1 year ago

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Fahy Gao Brooklyn, NY

So bad. They do not put the cancellation button on their website, and I believe that the only way to cancel it is through calls or emails.

1 year ago

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msau Port Charlotte, FL

this company sucks, they pay a pittance for your care and then find pathetic excuses to deny payment of this piddling amount.

2 years ago

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Grant R Philadelphia, PA

SCAM!!! They will bill you for things 6 months+ in the past with no warning and terminated your services without notice.

2 years ago

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Southernsunshineforme Tampa, FL

They play games about providers to get out of paying bills. If you want to pay out of pocket this is the company for you!

3 years ago

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Jespy

Claims filed and paid on time.

4 years ago

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KK

no hassle, most providers take their card

4 years ago