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
G E
November 11th, 2025
Worst insurance company ever! They do not pay claims! I had a crown done that my dentist said I needed as I was having continuous pain. After my procedure, Delta Dental refused to pay there half. Someone sitting in a desk at Delta Dental said I didn't need my crown but they were not the one looking in my mouth to see what was needed. This insurance company is a joke! In my opinion , I would find insurance elsewhere.
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
Nora Bauman
November 12th, 2025
DETAILS
This is the worst dental insurance company out there. My dentist recommended a crown for a broken tooth, which was absolutely necessary. The procedure was two hours long and painful. Guardian denied the claim twice, then when the dentist himself called to argue on my behalf, they told him they were no longer taking appeals. Don't waste your money on coverage from these scam artists.
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.
