Delta Dental vs Guardian

McCall Martin
McCall Martin | Senior Editor

Both Guardian and Delta Dental are trusted insurance providers. Both have a good selection of dental plans. Guardian stands out because it is upfront about coverage for implants on several of its plans. Delta Dental stands out for offering fee-for-service and discount dental plans in addition to typical plans.

Both companies also offer group dental plans. While Guardian offers more general online information on its plans than Delta Dental, Delta Dental still gets our recommendation. Delta Dental has received more reviews on Best Company than Guardian and a higher proportion of positive ones.

Delta Dental logo
#1 Delta Dental
6.8 Overall Score
4.2
star star star star star_border
(252)
Guardian logo
#8 Guardian
3.4 Overall Score
1.1
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(158)

Overview

Delta Dental

Plans Available

N/A

Customer Service Options

N/A

Time in Business

Undisclosed

Guardian

N/A

N/A

Undisclosed

Ratings

Delta Dental

Overall Score
6.8 of 10
Review Score
4.2
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Value for Money
3.8
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Quality of Product or Service
3.9
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Company Trustworthiness
4.0
star star star star star_border
Likely to Recommend
7.3 of 10

Guardian

3.4 of 10
1.1
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1.6
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1.5
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1.4
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1.1 of 10

Reviews

Delta Dental

Number of Reviews
252
Review Breakdown
4.2
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1 star
10%
2 star
5%
3 star
12%
4 star
27%
5 star
47%

Guardian

158
1.1
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1 star
84%
2 star
6%
3 star
2%
4 star
2%
5 star
6%

Reviews for Delta Dental

Helpful Favorable Review

star star star star star

Stephanie Bloniarz

March 22nd, 2024

As a consumer, I have personally had Delta Dental for 33 years, through my husband's employer. I love Delta Dental! I always had great coverage, for a reasonable price! I have also worked in dentistry for 25 years, and this company is by FAR my favorite insurance company to deal with! I love the Dental Toolkit and spend a lot of time there every single work day! I especially love pulling benefits, and processing EFT's. We get paid SOOO fast! WOW! You guys do a great job!! A++++++++++++++++++++++

Helpful Critical Review

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Leo Russ

February 23rd, 2023

DETAILS

Edited March 19th, 2024

Refused coverage for ridiculous reason - claimed that the implant was not covered because "the tooth never existed since we don't have a record of extraction". If I were born without that tooth, there would be no room install the implant but any sort of reasoning that doesn't contribute to their bottom line simply does not exist.

Reviews for Guardian

Helpful Favorable Review

star star star star_border star_border

b. p.

October 25th, 2022

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

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Mark Gerwitz

February 29th, 2024

DETAILS

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Review Source

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.

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.

Top Choice

Delta Dental Logo
Delta Dental

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