Delta Dental vs Guardian

Alice Stevens
Alice Stevens | 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
#4 Delta Dental
5.7 Overall Score
4.0
star star star star star_border
(174)
Guardian logo verified_user
#6 Guardian
5.3 Overall Score
2.4
star star star_half star_border star_border
(27)

Overview

Delta Dental

Time in Business

Undisclosed

Guardian

161 Years

Ratings

Delta Dental

Overall Score
5.7 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
4.0
star star star star star_border
Likely to Recommend
7.4 of 10

Guardian

5.3 of 10
2.4
star star star_half star_border star_border
2.2
star star star_border star_border star_border
2.2
star star star_border star_border star_border
2.3
star star star_half star_border star_border
3.2 of 10

Reviews

Delta Dental

Number of Reviews
174
Review Breakdown
4.0
star star star star star_border
5 star
46%
4 star
28%
3 star
15%
2 star
6%
1 star
6%

Guardian

27
2.4
star star star_half star_border star_border
5 star
26%
4 star
7%
3 star
4%
2 star
7%
1 star
56%

Reviews for Delta Dental

Helpful Favorable Review

star star star star star_border

Darrin Pelham Rincon, GA

We have used Delta Dental for years and years and have never had an issue. The services that they provide and for what price is clearly listed in the literature. They have several options for different price points and had something for everyone. The customer service staff has always been quick and helpful with our needs.

1 month ago

Helpful Critical Review

star star star_border star_border star_border

Mason Allen Provo, UT

The have the same coverage as most dental insurance companies but Delta can be a pain in the butt. It took 8 months for them to process a retainer request. They said if I did x,y,z I could get it approved and I did that and they still did not approve it. Such a waste of time.

6 months 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).

2 weeks ago

Helpful Critical Review

star star_border star_border star_border star_border

Cory Piekarski Westport, NY

As so many other reviews point out, Guardian employs nasty, abusive, sexist jerks as customer service reps. Interrupting, using abusive language, hanging up on patrons - that's what customers experience. I have never been so disgusted as I was following my one interaction with Guardian, and I am a premium-paying customer. I will be dropping them like a bag of dirt as soon as open enrollment comes around.

2 weeks 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

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