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
(184)
Guardian logo verified_user
#6 Guardian
5.2 Overall Score
2.2
star star star_border star_border star_border
(35)

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
3.9
star star star star star_border
Likely to Recommend
7.3 of 10

Guardian

5.2 of 10
2.2
star star star_border star_border star_border
2.0
star star star_border star_border star_border
2.0
star star star_border star_border star_border
2.1
star star star_border star_border star_border
2.7 of 10

Reviews

Delta Dental

Number of Reviews
184
Review Breakdown
4.0
star star star star star_border
5 star
45%
4 star
28%
3 star
15%
2 star
5%
1 star
8%

Guardian

35
2.2
star star star_border star_border star_border
5 star
20%
4 star
6%
3 star
6%
2 star
9%
1 star
60%

Reviews for Delta Dental

Helpful Favorable Review

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Review Source

star star star star star

Abril Hunter Tallahassee, FL

Delta dental has been a fantastic provider for dental insurance. All of my insurance needs and dental procedures have been covered through Delta dental and I find that their customer service line is extremely helpful. Most dentist offices that I have gone to have excepted Delta dental as a insurance provider which is amazing. I have no complaints when it comes to Delta dental as a dental insurance provider.

1 month ago

Helpful Critical Review

star star_border star_border star_border star_border

Prema Dasa Starrucca, PA

They double charged me for two policies, one from marketplace and one from personal policy. I had asked them to transfer market to personal and it seems it did not happen and they would not refund my money. Lack of honesty in the company and the customer service rep was terrible. Just another company out only to get your money.

1 month 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).

3 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Rylee Bennett Hutchinson, MN

Awful awful awful. Worst customer service ever. I've had to call back and forth between my dentist and this company's claims department so many times just to have a regular cleaning covered I can't even keep track. Then when theyve finally processed your claim, they don't even send the check unless you call to hound them. They're nothing but a headache.

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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