Overview
Delta Dental
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Undisclosed
Guardian
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Undisclosed
Ratings
Delta Dental
Guardian
Reviews
Delta Dental
Reviews
Guardian
Reviews for Delta Dental
Helpful Favorable Review
Brian
January 22nd, 2025
DETAILS
Delta is a company benefit but If I didn't have it we would have been responsible for several thousand $$ . Our new Dentist is not in the Delta Network but they still file everything for us & Delta has refunded us almost immediately. You don't even need an I.D. card just name & company affiliation and open wide.
Helpful Critical Review
M J
October 7th, 2026
South Salt Lake, Utah
DETAILS
If I could give negative stars I would. Absolutely the worse experience ever. If I ever need anything it is impossible. I needed two basic questions and I waited on hold for 3 hours - legitimately, 3 hours! Then when I finally got to a rep she couldn't even answer either of my questions. These were basic questions mind you. I couldn't believe this. I hope you don't need anything from them, a claim or even a question being answered because you'll be sorry. Honestly I think they had a wait time so long in hopes that people would just hang up. Ridiculous.
Reviews for Guardian
Helpful Favorable Review
b. p.
October 25th, 2022
Anderson, IN
DETAILS
Edited October 23rd, 2023
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.
Helpful Critical Review
Nimeela Daripineni
October 6th, 2026
Issaquah, Washington
DETAILS
Don't take this insurance even if it is your last resort. They have anefarious practices and won't give any cost tranparency. They advertise 100% coverage but it's only 100% covered to their pre-determined amounts which are ridiculously low. They also prvide no way of obtaining this information unless you are a doctor.
The Final Word
If you're looking for implant coverage, many of Guardian's plans cover implants. Guardian offers plans with in- and out-of-network coverage and a managed care plan with only in-network coverage.
Delta Dental also offers plans with only in-network and both in- and out-of-network coverage. It stands out from Guardian by offering a fee-for-service plan and a dental discount plan. It also offers retiree plans. If you're interested in a non-typical dental plan or a retiree plan, you'll want to choose Delta Dental.
It's difficult to say whether Delta Dental or Guardian have better group dental plans because Delta Dental offers very little general information about its offerings online. Instead, you'll need to look at its state-specific site or contact the insurer directly.
In contrast, it's easier to get a sense of Guardian's options online. It offers group Preferred Provider Organization (PPO) plans with in- and out-of-network coverage. It also offers a managed care or Dental Health Maintenance Organization (DHMO) plan in some states. DHMO plans only cover in-network care and can require referrals from your primary care dentist for specialized treatment.
When it comes to individual and family plans, both companies are worth investigating further. It's harder to tell with group dental plans. However, Delta Dental has earned Bests Company's recommendation because it has a higher proportion of positive customer reviews than Guardian.
