Guardian Dental Insurance Review

Rating: 9.1 / 10 (Excellent)
19 Customer Reviews - see all reviews
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How is Guardian rated?
Benefit Limits
Plan Options
Customer Service
In-Network Dentists

Guardian Dental 

Guardian is one of the nation's leading providers of life and health insurance. It's dental insurance arm, Guardian Dental, provides a wide range of plans that are tailored to meet individual and group needs. 

What's Included with Guardian Dental

Plan Reviewed

DentalGuard Preferred (Core Plan and High Plan)

How much does it save you?

100% percent savings on preventive and basic care services, zero coverage for major care but 50 percent is given for premium plan holders.


Monthly premium $25.46 
Plus one Dependent (spouse or child) $50.22
Member, spouse and child(ren) $93.85

Annual Maximum


Treatments Covered and Reimbursements

Preventive, Basic and Major services covered under premium plan. 

Fine Print

Crowns, Inlays, Onlays and Labial Veneers are covered only when caused by decay or injury, and only when the tooth cannot be restored with amalgam or composite filing material.

The total number of cleanings and periodontal maintenance procedures are combined in a 12 month period. 

Restrictions may apply to composite fillings.


Guardian Dental is a reputable provider of dental insurance plans. Its extensive network of dentists makes great savings possible for those searching for a quality dental plan.

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Latest Reviews

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Signed up for plan through marketplace. On that site it said there was a $75 deductible per person then it paid 90% of out of network preventive charges. My wife had our dentist (out of network provider) submit their bill and they paid nothing. Now their customer service says there is a $150 deductible (still shows $75 deductible on gov't site) per person and they only allow $89 for the services billed, and even after the deductible is met, they would only cover 90% of what they "allow", not what the dentist charges. It is all a lot of lies and deceit with this company. Very poor coverage and very poor foreign customer service, barely speak English.

William W
I used to have another dental insurance, but due to the company I work for being cheap, they switched to Guardian Dental. I was in the process of getting dentures, but due to the switch my dentist had to resubmit the claim and Guardian refused to cover it. They took a high out-of-pocket cost and turned it into an astronomical out-of-pocket cost, one that I cannot afford. Guardian sucks. They are quite willing to take money out of my paycheck each week, but they give you nothing for it.

Annette C
Largo, Florida
This company gives no service whatsoever. I signed up in October, says I have benefits, but there is a waiting period on major work for 12 months and minor work 6 months. They tell you different information each time to talk to someone. Now they are saying I signed up late which is impossible because the company I work for only has a certain period for us to sign up for this benefit. I will never use this insurance company again. PEOPLE DON'T DO IT. They are rude, do not try to help in any way whatsoever, this is just a company who wants money. Don't care about people or their needs or problems. I had a filling fall out and it's deep to the nerve and there is an abscess. My... Read More

Blair D
Grayslake, Illinois
I tried one year of insurance with Guardian Dental Insurance through Obamacare. My doctor was "alright" but did not perform x-rays both times I came to visit. The cost would be the same if you walked into most dental offices without insurance. Nothing fancy about the doctor's office either. You must stand up and walk to a sink to spit. When I mentioned that I didn't receive x-rays on either trip (which are included with their insurance) from the doctor, they really didn't care. Even if I made a complaint, nothing would be done anyway, their representative said. Ultimately, it got back to the doctor. He called me up and left a message saying he didn't take x-rays on the second visit either... Read More

Cypress, Texas
The only good thing for this company is that they cover the basic have to pay for the flouride, night guard and for implants; They cover a very low % it

Ryan H
very misleading product information and little to no member support.

I have had more trouble with this insurance. I have gone to the same place for dental services for four years. Several times during this time when we go, we have been told that we no longer have coverage with our dentist because our service provider has been switched. We have never been advised of this except when we go to an appointment with the same dentist and insurance, and suddenly, we have no coverage again and have to have it switched back. The lack of communication with this company is ridiculous. Also, my son was dropped when he turned 19, and we found out because we went to an appointment and were told he has no coverage as of a month earlier. I asked the person on the phone... Read More

Rebecca I
Teaneck, New Jersey
This company has been a nightmare from the beginning. They assigned me to a dentist that had a terrible reputation and who didn't answer their phone. When I tried to switch my provider because of a dental emergency and I couldn't get in touch with the dentist they assigned me, they wanted me to wait a month. Then they had to have the dentist send a letter to them and when I called to confirm that they received it, they said they had no way to know if it was received. Altogether, I spent 6-7 hours on the phone with them over the course of 3 weeks in order to address my EMERGENCY. I had an infection in my tooth and eventually just went to urgent care for antibiotics. Then today (7/2), I get... Read More

Quinton L
Avondale, Arizona
I had a crown done on a tooth that had heavy trauma damage when I was 8 years old. I then got a letter stating Guardian wouldn't cover because it was not needed. I have been to 6 different dentists in the past 20 years and they all said I would have to replace the tooth as soon as it started discoloring. I noticed some discoloration so I had it replaced and now Guardian does not want to pay the claim. I asked who the dentist was and they told me they use Licensed Independent Consultants and mine was named Dr, Todd Weller. I will obviously be reporting him to the Dental board once I get an email back for which state he is located in.

Upset C
Miami, Florida
Sadly Guardian Dental Insurance has provided one of the worst experiences I have ever had with an insurance company. They claim that they are providing a service, but upon trying to use it we are getting blatant NO as a response. Dentist says tooth must come out and I cannot remove it. Just to go to a specialist that says "Yes I need to remove this". Upon submitting to insurance company it never gets approved. On top of all of this after paying them for the insurance coverage they are constantly acting like they even have a say in the matter. We have paid for this exact thing for years now, and now when we are trying to get a wisdom tooth out the only answer we get is NO. I... Read More

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