guardiandirect.comReviews of guardiandirect.com

You cannot trust this company. Terrible customer service. I have been told the wrong thing more than once. Coverage is poor. Most of the dentists that showed up as in network on the website did not accept guardian. The dentist offices said they’ve been requesting to be removed from the site for years. Even cancelling was a bad experience. I called a month before my policy renewal date to clearly state I am not renewing and what my coverage end date would be. Wouldn’t you know I was still charged and the policy renewed and I got a late payment notification. I specifically asked for my credit card info to be removed. They treat everything as not an issue. The customer service is outsourced and clearly cannot operate beyond their basic scripts. When mistakes are made or wrong info given that you act on, they take no responsibility. I would rather not have dental insurance than have guardian. For the amount you pay many dentists have their own in office plans

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.

I signed up for Guardian Direct Dental Insurance through the healthcare.gov website because my dentist was listed as "in network" for their plan. Turns out, when it comes time to pay, he isn't. Further, they claim that it's not their responsibility that he was listed as covered. Big surprise, healthcare.gov says it is their responsibility. My only recourse is to sue. These people suck. They're in the business of stealing.

Their doctor 3000 miles away from you will deny your claim .... Without even looking at your mouth and without even taking the doctors note that my doctor has sent to them saying it needed to be done and they still denied the claim

This company has an F rating on BBB and my own personal experience is that they initially just deny a claim with invalid reasons given. A routine dental exam which according to their summary plan detail is covered 100% with no waiting period was denied due to waiting period. When speaking to their customer service they said they would make a note on the claim. I then asked so what happens then as I have not received an explanation of benefits, their answer was that I would need to call again in three to five days. I asked why they would not have sent an explanation of benefits, they said I had a payment pending which I did not. I had paid for several months in advance. I asked to speak to a supervisor and they said they would take my number and call back in 1 to 2 days. I demanded to speak to a supervisor and they hung up. I also did not receive a call back from the supervisor. This "insurance" is a scam.