Name: Guardian
Rating: 1.1

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Krishnanand Kamath Cary, NC

Absolute worst. After 5 months and 5 calls and hours of wasted time providing documentation they do not resolve claim and keep asking for same thing. The call center folks are absolute worst as well as there is no online paper trail of all the documents we submit on any claim. I have no idea how such a company can be in business, and even more surprised how companies (like my employer and other credible Fortune 500 companies) can use them for employer provided insurance.

3 years ago

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Nadia Adzinets Austin, TX

Guardian denied the claim for my crowns saying they were not medical necessity even though I consulted two dentists before having them done and both confirmed crowns were the only option to treat decay developing under very old (15+ years) extensive tooth restorations. Guardian was just useless! Our previous insurance Delta Dental covered my husband's crowns without questions.

3 years ago

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Christian Finamore Middletown, MD

This company is such a joke. I am in the process of attempting to get reimbursement for a mistake related on their end!!!! It’s been weeks and every time I’m told they have everything they need, they send some other BS “request for information” that they already have! Completely dishonest business model, and they definitely practice it to make people give up on their claims. Pathetic follow up and customer service, I have never had a more miserable experience then that with Guardian.

4 years ago

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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.

4 years ago

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welcow0521 Austin, TX

I would give negative 5 stars for this dishonest and disorganized company. I am very concerned that they are charging customers and giving no service, or not saying there was a nonpayment issue and then sending a letter immediately following that with 2-3 months of "nonpayment", when told that everything is okay. The reps all have inconsistent information for one account and will put blame on customer. 8 wouldn't trust this company but that's my thoughts.

4 years ago

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Jodi Scheib Hollywood, FL

I am fairly sure their policy is to deny everything. After being in pain for some time - I went to the dentist and had four crowns done - paid my percentage and went on my way. A year later I am told that some random dentist doesn't find the films compelling enough to deem it a medically necessary procedure and it has been denied. HA! Tell my pain that. Now I am stuck owing several thousand more dollars out of pocket.

4 years ago

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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.

4 years ago Edited September 14, 2021

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SM Redwood City, CA

They will do everything possible to avoid paying, including pretending the information wasn't on the claim. They lose claims sent through the mail. They don't contact you to let you know that information they need is missing. So, you have to stay on top of of your claim, checking the system all the time, doing your own follow up, etc. Additionally, their system for filing a claim is archaic.

5 years ago

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Angelina Hamilton Jackson, MS

My company switched to this year and I went to the dentist yesterday and found out they cover more than my previous insurance did. No deductible for my cleanings! And it’s affordable!

5 years ago

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Dave Goodin

Guardian classifies many procedures as major that other companies classify as basic. My dentist advised me to find a better plan.

3 months ago

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Ross Goldflam

Customer service is awful. Claim denial is rampant. Misinformation is given. Completely not worth the money, especially considering no money is reimbursed!

7 months ago

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Anthony DeCaro

Total scam - They offer 100% coverage for in network or out of network providers for cleaning, x-rays, etc. Went to a pre appoved in-network provider and they are only offering to cover $78.00 of the total bill claiming that it is out of network. All of the reps just read the same thing off of a piece of paper.

1 year ago

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B “vwpilot” R

Just got scammed out of 6 months of premiums. When I signed up it showed my Dr. as in-network. Dr. Bills $209. Gardian only covers $68, and now say my Dr. is not in network, my deductible for out of network is $120. I'm on the hook for the entire bill. Waste of money

1 year ago

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Addendum Drive

The worst phone and online system I've ever encountered. It just babbles at you, doesn't accept accurate information, and makes you jump through tons of hoops to get someone, with few choices of topics to even pick from when gating your call. Ridiculously complicated on all fronts.

1 year ago

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Robert DeVita Somerville, MA

Guardian denied a claim for a basic crown replacement because it was not 10+ years old. I only learned this after the claim was denied, and when I called to speak with them, they read from a script until I got fed up and hung up.

1 year ago

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Brian Russell Springville, UT

been dealing with denied claims for the last 6 months. My dentist tried to fight it 3 times. They gave up, now my wife (who worked in dental for 15 years) is trying to reason with them. Their customer service reps are rude and patronizing. will be canceling this fraudulent insurance the first chance I get.

1 year ago

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Gray Guo New York, NY

Not a insurance I like. I had a deep cleaning and they denied my claim saying my teeth weren't not at the right bone density level to cover a deep cleaning. I wish I would have known beforehand that they didn't cover my deep cleaning. Makes me feel all they care about is money instead of helping me out.

2 years ago

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Extra Buzz North Bergen, NJ

Don't buy this insurance. as soon as they get your payment card. you never can stop it. the autopayment is enforced. can' t be cancelled. the insurance policy doesn't cover a lot. most of dentist offices even don't accept them. Smart way is away from Guardian Dental

2 years ago Edited October 2, 2023

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Justin Parker South Jordan, UT

This company does everything thing they can to avoid paying for claims. Know if you use Guardian you may have to exercise your rights under ERISA because they will do their best to avoid granting you the benefits you've paid for.

2 years ago

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David Silber State College, PA

Worst. Customer. Service. Ever. They talked me into signing up for a plan, then double billed me. More than a dozen calls to customer service to fix the issue, and promises that someone would call me back (they did...once). Seriously not worth the time and effort.

2 years ago

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Elena Rakowski

Some of their plans say they cover 100% out of network. What they really cover is 100% of is what they calculate the total cost should be for the dental care, they do not cover 100% of what you are actually billed. Recently paid $120 for a basic dental exam for my daughter and they reimbursed $42.

2 years ago

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David Z Madison, WI

This company has my dentist listed as "in network" on their healthcare.gov page and stated I had coverage for my dentist, even provided a letter to my dentist's practice confirming I was covered. When bills were submitted for payment, I suddenly wasn't covered and my dentist was "out of network."

2 years ago

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Chris Short Lima, OH

Not able to register online. Customer service is not much help. People don't speak good English. I received my first 3 deposit just fine then my next one they got my account number wrong. Took over a week to get fixed. I'm not happy at all with them. Have trouble getting any tax info from them.

2 years ago

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Keyki Bavand Santa Rosa, CA

They deny your claims for the most ridicules reasons. Twice the rejected my claims because the tooth was extracted before I was insured by them. In both cases my secondary insurance through my wife's insurance (Delta) paid more than half the cost. Total scam.

2 years ago

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Saki Dog Midlothian, VA

Absoulute scum. Scam artist of the highest degree. I went line by line and they are not even paying money out by there own rules. I went over the phone line item by line item pointing how they messsed up and the lady confirmed it and THEY still told me to file an appeal. Scummest Dental provide on the earth

2 years ago

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Jaime Diaz Willow Springs, NC

I signed up with them through my job company and I’ve been waiting for my card 4 weeks to find out my dentist does not take them. I have to go to there PPO and If go to my dentist I have out of coverage. I wish I did my research before I signed up.

3 years ago

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Ashley Davenport, FL

I wish I could give zero stars. They have wriggled out of covering anything that isn't a basic cleaning. I essentially gave them free money in the form of my monthly premium to keep while they screwed me when I expected the coverage in return for said payment. Terrible and intentionally misleading company.

3 years ago Edited October 19, 2022

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Rebecca Horn Queen Creek, AZ

If I could leave a negative rating I would. To give this company 1 star review is going above. When calling the reps to check claim status they either do not know what they are doing, are extremely rude, or place you on permanent hold. This company is extremely unprofessional and their over seas call center need to be monitored by quality control,

3 years ago

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Laura Potter Manchester, CT

Absolutely horrible dental insurance. Denied coverage for a crown a replacement crown because I had only had it for 4.5 years. If It had been over 5 years they would have covered it at 60%. I paid for the first one my self... why bother with Dental insurance.

3 years ago

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Tajai Kuhn Ocala, FL

It is a constant battle to get benefits paid. I have had to reach out to my dentist several times, and they have proof they have sent the claims to Guardian. Guardian then says they don't have the information, or give me the runaround. All of this for my husband, who is a dependent and I pay for! Terrible customer service in my opinion.

3 years ago

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Dan Grant Belpre, OH

Good coverage on paper, but terrible policies that never allow you to use the full value of their benefits. By far the worst dental insurer I have ever been offered through an employer. Slow to pay providers, old crappy website, dental policies from the 1970's when silver fillings were all the rage.

3 years ago

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Jeff Cantlebary Kailua-Kona, HI

One star is the lowest score I can give but way too high for this pitiful company. I have 2 claims for dental teeth cleaning going back 11 months that I have not been paid for. I have easily spent over 10 hours on the phone with nice but unhelpful customer service representatives. Easily the worst company I have ever dealt with

3 years ago

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james Darcy Loveland, OH

I have been trying to cancel my vision insurance through this company for months and never have gotten through to a rep. tried online tried pretty much everything looks like I'm stuck with 2 vision plans for the rest of my freaking life. trying a pigeon by mail maybe that will work.

3 years ago

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Crissy Evelyn Brooklyn, NY

Horrible company with horrible customer service representatives that talk down to customers. They want me to pay the difference for white fillings. Saying the dentist should have known that and I need to call my dentist office not them! Very rude! Not worth it . Find a better company

4 years ago

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Kelly

They are awful. We have paid for 7 months and tried to use the insurance today and they cost me half of a day of work and i couldn’t take my family to the dentist. I am very unhappy with them and honestly can’t wait until we can switch companies. If I could give zero stars I would.

4 years ago

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Chris Craig Fenton, MI

Company covers nothing, set up to deny all Claims! No coverage is better! Had these guys once, now my new company uses them! Thank goodness I can drop my coverage and use my wife's, run from these guys, fraudulent company focus on profits, what is a patient?

4 years ago

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Ron Suarez Fort Worth, TX

I filled out the form to sign up for dental insurance. Now they don’t have any record of me signing up. The rep said to call my employer admin. My admin can’t make Guardian give me a policy number so I can see a dentist. I wish I could give ZERO stars since I am receiving zero coverage.

4 years ago

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JANET Round Rock, TX

This insurance is horrible. My husband even asked what do they actually pay for? I have had a chipped crown in my mouth for over 6 months. They denied my claim now I am going thru the longest appeal process I ever heard of with a insurance company. My company is using them with ADP. Horrible!

4 years ago

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Dale Mayo Lynnwood, WA

Guardian is the worst insurance company I have ever dealt with. They will deny your claim and force you to go through the appeal process. If you want your dental work covered and do not want to be worried about getting stuck with an expensive bill find a better more reputable insurance company.

4 years ago

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Kaycee Orlando, FL

They don't cover any procedures, and they have a "dentist" on staff who apparently knows more than my actual dentist. I absolutely need a deep clean as I haven't been to the dentist in an embarrassingly long amount of time, but according to Guardian, I should only be going to the dentist for a light cleaning. Yeah right. Crooks.

6 years ago

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19zander Garland, TX

Just had my free checkup and x-ray using Guardian. The staff outlined a list of services needed and out of pocket seems reasonable.

5 years ago Edited September 14, 2021

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Lindsay Norcross, GA

My cleanings are covered as well as x rays. I have never encountered problems with using my dental insurance or issues with claims.

5 years ago

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Madison Kneiss Long Beach, MS

It is very hard to find an network doctor in my area so you always pay more than what you expect. When I have called the customer service line they have always been very friendly and professional

5 years ago

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Iam TheLaw

Horrible horrible horrible insurance. How do you send a denial to pay months after you already approved it? Lazy disorganized pathetic excuse. They are a scam 100% and should be held liable for fraud.

1 year ago

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todd bundy

BAD NEWS!!! They are playing games and not paying out for CROWNS!!! DO NOT GET DENTAL FROM THESE PEOPLE. They used to be a good company. Not anymore! I plan to take them to small claims court.

1 year ago

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Ms M Dasmarinas, CAV

Guardian has the worst customer service.Their reps are rude ,they disconnect call even if you need something else .Reps do not accomodate additional questions they hung up right away.No supervisor available always .

2 years ago

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MBA Dallas, TX

It’s a good insurance company. It’s a bare bones company. Finding a provider in your area is hard enough to locate. Best advice find another company.

2 years ago Edited February 28, 2023

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Lousy Spokane, WA

They have horrible coverage, don't fight for their clients. Ms. H had me get a second opinion on a defective bridge and I did but she came back with the same answer, nothing they will do?? This went on for A YEAR.

3 years ago

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Jackie Florence-Gormley Farmington, MI

This company provides the worst customer service I have ever experienced. Very rude and unhelpful staff. They even hung up on me. I wish my employer would change to a different company. It’s awful.

3 years ago

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CHRISTINE KNAB Fort Walton Beach, FL

If I could give this service zero stars I would have. It is a scam and you pay more out of pocket with the monthly membership + the deductible than you would pay not having any dental insurance at all.

3 years ago