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
6.9 Overall Score
4.0
star star star star star_border
(224)
Guardian logo
#8 Guardian
3.5 Overall Score
1.5
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(119)

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
6.9 of 10
Review Score
4.0
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Value for Money
3.7
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Quality of Product or Service
3.8
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Company Trustworthiness
3.9
star star star star star_border
Likely to Recommend
7.2 of 10

Guardian

3.5 of 10
1.5
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1.7
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1.6
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1.5
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1.3 of 10

Reviews

Delta Dental

Number of Reviews
224
Review Breakdown
4.0
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1 star
10%
2 star
5%
3 star
13%
4 star
27%
5 star
46%

Guardian

119
1.5
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1 star
80%
2 star
8%
3 star
2%
4 star
3%
5 star
8%

Reviews for Delta Dental

Helpful Favorable Review

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Jasmin Mena

February 14th, 2023

Used Delta once in a different state through my husband's insurance for a basic check-up. Was able to find a very nice dentist and they went through everything carefully and explained my situation with patience. Everything was straight-forward.

Helpful Critical Review

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Leo Russ

February 23rd, 2023

DETAILS

Refused to cover an implant on the grounds that they "do not have a record of extraction and, therefore, it's a defect the patient was born with." They even supplied a conclusion from a "doctor", someone who doesn't know that if the tooth has never existed, the adjacent teeth would move/expand, and the gap would close which would not allow to install an implant. Crooks.

Reviews for Guardian

Helpful Favorable Review

star star star star star

Ladie Lavender

December 18th, 2022

DETAILS

Had this insurance for few months and I really liked their coverage and price. I wish they are staying updated on who their in network providers are, it was really difficult to find someone due to them not updating their records

Helpful Critical Review

star star_border star_border star_border star_border

Adam Taylor

March 9th, 2023

DETAILS

Just horrible. I had an implant put in. My extraction happened a year prior and I was at a different company then with different dental insurance. I had a failed post implant that delayed my getting a new replacement tooth. Guardian paid $0 for the $5000 post implant (second operation) that was a success. Then I went to my dentist for the tooth implant. They have billed Guardian and they say because they didn't pay for the extraction, they will pay $0 (again) for the new tooth. I would avoid Guardian like the plague. They are impossible to deal with and in my experience never pay a claim.

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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