Delta Dental vs Guardian

Kaitlyn Short
Kaitlyn Short | 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
#2 Delta Dental
7.0 Overall Score
4.0
star star star star star_border
(203)
Guardian logo verified_user
#8 Guardian
3.6 Overall Score
1.7
star star_half star_border star_border star_border
(71)

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

Guardian

3.6 of 10
1.7
star star_half star_border star_border star_border
1.7
star star_half star_border star_border star_border
1.6
star star_half star_border star_border star_border
1.7
star star_half star_border star_border star_border
1.7 of 10

Reviews

Delta Dental

Number of Reviews
203
Review Breakdown
4.0
star star star star star_border
5 star
46%
4 star
27%
3 star
14%
2 star
5%
1 star
8%

Guardian

71
1.7
star star_half star_border star_border star_border
5 star
13%
4 star
3%
3 star
3%
2 star
7%
1 star
75%

Reviews for Delta Dental

Helpful Favorable Review

star star star star star_border

Noureddine Lalami Brentwood, CA

If you have Delta Dental as insurance, then you can pay little to nothing for services. The good thing is that co-pay prices tend to decline the longer you have insurance. They also have good customer service if needed.

4 months ago

Helpful Critical Review

star star star_border star_border star_border

Ron Saadi Los Angeles, CA

Consumers beware. A dentist did not perform deep cleaning and chaged my Dela insurance account $1000 and received $570. I reported to Delta dental, weeks later just received a letter stating they will do nothing and they will take the side of the dentist. As a result i will be out of coverage amount for this period. In an attempt to protect other patients I will escalate this to state dental board and state better business office. YOU JUST NEED TO KNOW DELTA DENTAL TAKES DOCTOR'S SIDE. NOT the patient side.

1 week ago

Reviews for Guardian

Helpful Favorable Review

star star star star star

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).

10 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Anthony Schenectady, NY

0 stars. I signed up online, had an issue with my phone so I had to call in to finish up everything. Started seeing my dentist for a year now. Just found out that all of my visits had denied claims. Never received correspondence from Guardian about the claims, I just kept going bc I thought everything was ok. When I received my bill through dentist I called Guardian, I was out of network. They had me set for a dentist that was at the other end of the state. Worst customer service ever.

4 days ago

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

Other Featured Comparisons

See All Comparisons