Guardian vs. Delta Dental Insurance: Which One Wins?
Guardian and Delta Dental both have affordable dental plans that provide decent coverage, including preventive care, basic services, and some major procedures.
Guardian stands out with low premiums and a network of over 130,000 dentists nationwide, making it easy to find care.
We appreciate Delta Dental’s cost transparency and variety of dental plan structures. Its handy cost estimator lets you check potential dental expenses upfront.
Plus, with the largest provider network of over 145,000 dentists, Delta Dental makes it easy to access quality care wherever you are.
In this Guardian vs. Delta Dental review, we’ll cover:
- Company overviews
- Plan offerings
- In-depth comparisons (pros and cons)
- Customer experience
- How to choose the right dental plan
We will also compare both companies to Ameritas Dental, a provider known for offering higher annual maximums, better coverage, and more flexible plan benefits.
We hope this comparison helps you find the provider that’s the best fit for your dental insurance needs.
Let’s start with overviews of Guardian and Delta Dental.
Guardian Dental Insurance Overview
Founded in 1860, Guardian has established itself as a reputable provider of various insurance products, including dental coverage.
Guardian offers dental insurance to more than 8 million Americans, providing policyholders with a choice of four plans and access to more than 130,000 providers.
Key Takeaways:
- Extensive Network: Over 130,000 participating dentists nationwide.
- Comprehensive Coverage: Guardian’s plans often cover preventive services such as oral exams, cleanings, and x-rays at 100% once the annual deductible has been met.
- Affordable Options: Plans are designed to be cost-effective, with premiums starting at competitive rates.
Delta Dental Insurance Overview
As one of the largest dental insurance providers in the United States, Delta Dental serves millions of members across all 50 states.
The organization comprises 39 independent companies, including Delta Dental Insurance Company, Delta Dental of California, and Delta Dental of New York.
Key Takeaways:
- Vast Network: Delta Dental boasts a network of over 145,000 dentists.
- Diverse Plan Options: Delta Dental offers various plans, including PPO and HMO-type options, to cater to different coverage needs and budgets.
- Emphasis on Preventive Care: Many plans cover preventive services, such as regular cleanings and exams, at 100%.
Guardian vs. Delta Dental: Plan Offerings
Guardian and Delta Dental have various dental insurance plans to fit different needs and budgets. Let’s take a closer look at the details.
Guardian Dental Plans
Guardian offers several tiered dental plans, providing coverage and pricing flexibility. Below are some of their most popular plans.
#1. Starter Plan
This is Guardian’s basic plan, ideal for those who need preventive dental care and minor treatments. It’s a good fit if you visit the dentist for routine checkups and occasional fillings.
- Best for: Individuals looking for basic dental coverage at an affordable price.
- Preventive Care: 100% covered from Day 1 (routine cleanings, exams, and X-rays).
- Basic Services: Limited coverage with longer waiting periods.
- Major Services: Not covered.
- Annual Maximum: Typically $1,000 – $1,500.
- Monthly Premium: $15-$20 per month.
#2. Core Plan
The Guardian Dental Core Plan is a solid choice for individuals and families looking for affordable dental coverage with access to a great network of providers. It covers essential benefits like preventive care, basic treatments, and even some major services.
- Best for: Individuals or families seeking a balance between affordability and coverage.
- Preventive Care: 100% covered.
- Basic Services: 80% covered after deductible.
- Major Services: 50% covered after a 12-month waiting period.
- Annual Maximum: $1,500 – $2,000.
- Monthly Premium: $30-$35 per month.
#3. Achiever Plan
This mid-level plan is Guardian’s most popular offering. It covers both minor and major dental procedures. It’s ideal for those who need more than basic care but don’t want to pay for the top-tier plan.
- Best for: Those needing more extensive coverage, including major dental work.
- Preventive Care: 100% covered.
- Basic Services: 80% covered after deductible.
- Major Services: 60% covered after a 12-month waiting period.
- Orthodontic Coverage: 50% for dependents under 19, up to $1,500 lifetime maximum.
- Annual Maximum: $2,000 – $3,000.
- Monthly Premium: $30-$40 per month.
#4. Diamond Plan
This is Guardian’s most comprehensive plan, perfect for those needing extensive dental care and more than basic coverage. It’s the only plan that covers cosmetic procedures like teeth whitening.
- Best for: Individuals seeking premium dental benefits with higher coverage limits.
- Preventive Care: 100% covered.
- Basic Services: 80% covered after deductible.
- Major Services: 60% covered after a 12-month waiting period.
- Orthodontic Coverage: 50% for dependents under 19, with a $1,000 lifetime maximum.
- Teeth Whitening: 50% covered, with a $500 yearly maximum.
- Annual Maximum: $3,000.
- Dental Implants: Lifetime maximum of $1,000.
- Monthly Premium: $45-$55 per month.
Delta Dental Insurance Plans
Delta Dental is the largest dental insurance provider in the United States, covering over 80 million members across its various regional entities.
Let’s look at the dental plans they offer.
#1. Delta Dental PPO
The Delta Dental PPO plan is a preferred provider organization (PPO) plan that allows patients to select any licensed dentist and offers lower out-of-pocket costs for in-network providers.
- Annual Maximums: Varies by plan but typically ranges from $1,000 to $2,500.
- Deductibles: Standard deductible of $50 per individual, $150 per family.
- Preventive Coverage: Covered at 100% with no waiting period.
- Basic Procedures: Typically covered at 80% after deductible.
- Major Procedures: Usually covered at 50% after a 6-12 month waiting period.
- Orthodontic Coverage: Available on higher-tier plans, often 50% coverage with a $1,500 lifetime maximum.
- Monthly Premium: $20-$70 per month.
#2. DeltaCare USA (HMO Plan)
DeltaCare USA is a lower-cost HMO-style dental insurance plan that requires members to select a primary care dentist from the network and receive referrals for specialist visits.
- No Deductibles: Members pay set copayments for services instead of meeting an annual deductible.
- Lower Monthly Premiums: Generally more affordable than PPO plans.
- Fixed Copayments: Specific out-of-pocket costs for procedures.
- No Annual Maximums: Unlike PPO plans, there is no cap on benefits.
- Preventive Care Coverage: 100% covered.
- Basic and Major Procedures: Fixed copayment schedule for fillings, extractions, crowns, and dentures.
- Orthodontic Coverage: Included in some plans with pre-set copayment amounts.
#3. Delta Dental Premier
Delta Dental Premier is a fee-for-service plan that offers access to the largest network of dentists nationwide.
This plan provides members with the highest level of choice while offering cost-saving benefits through contracted rates.
- Annual Maximums: Typically $1,500 – $3,000.
- Deductibles: $50 per individual, $150 per family.
- Preventive Coverage: 100% covered.
- Basic Procedures: Covered at 80% after deductible.
- Major Procedures: Covered at 50% after a 6-12 month waiting period.
- Orthodontic Coverage: Available on select plans with 50% coverage up to $1,500 lifetime maximum.
Guardian vs. Delta Dental: A Detailed Comparison
Guardian and Delta Dental are two well-known dental insurance providers in the United States. Each offers a variety of plans, strong provider networks, and comprehensive coverage options.
However, key differences between the two companies may significantly influence which provider best fits a policyholder’s needs.
Below, we’ll break down the most important distinctions between Guardian and Delta Dental.
Coverage Differences
Both Guardian and Delta Dental offer coverage for preventive care, typically covering routine cleanings and exams at 100%. This focus encourages members to maintain regular dental check-ups and reduce the need for expensive dental treatments in the future.
However, when it comes to basic and major procedures, the two providers differ in their coverage structures.
For basic procedures (such as fillings and extractions), Guardian and Delta Dental plans often cover 80% of costs after the deductible.
But, Guardian’s coverage tends to be more uniform across plans, while Delta Dental’s coverage varies more based on state and specific plan regulations.
For major procedures (such as crowns, bridges, dentures, and root canals), Guardian generally offers higher reimbursement rates, with some plans covering up to 60% after the waiting period.
Delta Dental’s coverage for major procedures depends on the plan type, with PPO plans offering 50% coverage and HMO plans providing fixed copayments.
Note: Delta Dental’s state-specific variations may result in different levels of coverage depending on location, making it crucial for policyholders to review their specific state’s plan details.
Premium and Deductible Comparisons
Guardian’s monthly premiums generally range from $20 to $50 per person, depending on the plan type and level of coverage. Most of their PPO options include a $50 individual deductible and a $150 family deductible.
Guardian’s premiums increase for plans with higher-tier coverage for major procedures and orthodontics.
Delta Dental’s basic plans start at just $15 a month, making it a great option for anyone looking for affordable dental insurance.
However, more comprehensive plans (such as Delta Dental Premier or Platinum PPO) can exceed $60 monthly. Deductibles for Delta Dental plans also range from $50 per individual to $150 per family, similar to Guardian.
Additionally, some Delta Dental PPO plans waive the deductible for preventive services.
Waiting Periods and Annual Maximums
Waiting periods are a significant factor in choosing dental insurance. Many Guardian and Delta Dental plans impose waiting periods for basic and major procedures, typically ranging from 6 to 12 months.
Guardian is known for offering shorter or no waiting periods for preventive and basic services.
Delta Dental’s waiting periods vary depending on the plan and state, so it’s important to review specific policy details before enrolling.
Annual maximums also differ between the two providers.
Guardian offers higher annual maximums, with some plans covering up to $3,000 per year.
Delta Dental’s annual maximums typically range from $1,000 to $2,500, depending on the specific plan.
Guardian’s higher annual maximums make it the stronger choice for individuals anticipating multiple major procedures in a year.
Plan Flexibility and Limitations
One of Guardian’s biggest advantages is its high level of customization. Policyholders can add coverage for orthodontics, dental implants, and even cosmetic procedures.
The company’s higher annual maximums make it particularly beneficial for individuals or families anticipating the need for extensive dental work throughout the year.
In contrast, Delta Dental offers various plan types, including PPO and HMO-style options, under its DeltaCare USA program. While state-specific variations may limit access to certain dentists or procedures, Delta Dental’s nationwide PPO option greatly benefits those who travel frequently or live in multiple states.
Delta Dental’s HMO-style plans (DeltaCare USA) require members to choose a primary care dentist and obtain referrals for specialist visits, which may be a limitation for individuals who prefer more flexibility in choosing their providers.
However, these plans generally come with lower premiums and predictable copayment amounts, making them a great fit for those looking for affordability and structured pricing.
Guardian vs. Delta Dental: Member Experience
In this section, we’ll look at what people say about Guardian and Delta Dental, covering customer support and claims processing.
Guardian Customer Feedback
Testimonials and Ratings
Guardian Life Insurance Company of America holds an A+ rating from the Better Business Bureau (BBB). However, customer reviews on the BBB website average 1.03 out of 5 stars, based on 34 reviews as of April 15, 2023.
On BestCompany.com, Guardian has received over 175 reviews. Positive feedback highlights satisfaction with coverage and cost, while negative reviews point to issues with claim denials and customer service.
Claims Process and Customer Support
Guardian offers customer service from 9 a.m. to 5 p.m. ET, Monday through Friday, for individual dental plans. They can be contacted via phone at 844-561-5600 or through FaceTime for certain plan inquiries.
Some customers have reported challenges with the claims process, citing difficulties in communication and claim approvals. For instance, a reviewer on BestCompany.com mentioned issues with claim denials and customer service responsiveness.
Delta Dental Customer Feedback
Testimonials and Ratings
On ConsumerAffairs.com, Delta Dental has received mixed reviews. Positive feedback highlights the extensive network and plan variety, while negative reviews mention long hold times and customer service issues.
BestCompany.com features over 255 reviews for Delta Dental, with positive comments about plan variety and customer satisfaction. However, some reviewers experienced difficulties with claims and coverage limitations.
Claims Experience and Support Quality
Delta Dental’s customer service varies by location. Some customers report challenges in contacting representatives and resolving issues efficiently.
The company offers a mobile app and online portal for managing claims and accessing information. However, some users have noted that the app lacks certain features, such as viewing claim status or making payments.
Guardian vs. Delta Dental: Pros and Cons
Choosing the right dental insurance provider means weighing the pros and cons to find what works best for you. Here’s a quick comparison of Guardian Insurance and Delta Dental Insurance, breaking down their advantages and drawbacks.
Guardian: Pros and Cons
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Pros:
- Comprehensive Coverage Options: Guardian offers a variety of plans, including PPO and DHMO options.
- Extensive Network: Access to over 130,000 dental providers nationwide ensures flexibility in choosing dental care professionals.
- No Deductibles for In-Network Preventive Care: Preventive services within the network often come with no deductibles.
- Immediate Coverage for Preventive and Basic Services: Most plans eliminate waiting periods for preventive and basic care.
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Cons:
- Waiting Periods for Major Services: A 12-month waiting period applies for major procedures, which may delay necessary treatments.
- Annual Maximum Benefit Limitations: The annual maximum payout is capped at $1,500, which might be insufficient for extensive dental work.
- Customer Service Challenges: Some customers report issues with claim denials and responsiveness, indicating potential areas for improvement in customer support.
Delta Dental: Pros and Cons
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Pros:
- Nationwide Coverage: Delta Dental operates in all 50 states.
- Largest Network of Dentists: With over 145,000 participating dentists, members have a wide selection of dental professionals.
- Comprehensive Plan Variety: Offers multiple plan options, including PPO and DHMO.
- Preventive Care Coverage: Many plans cover preventive services at 100%.
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Cons:
- Enrollment Fee: A $10 enrollment fee is required, which is not common among all dental insurance providers.
- Waiting Periods for Major Services: Similar to Guardian, Delta Dental imposes waiting periods for major and basic services, which can delay access to certain treatments.
- Customer Service Concerns: Some users report long hold times and challenges with customer support.
What to Look for in a Dental Plan
When looking at dental insurance providers, it’s key to consider factors affecting your coverage, costs, and access to care. Not all plans are the same, and knowing the differences can save you from surprise expenses or gaps in coverage.
Here are the main things to remember before picking a dental plan.
#1. Waiting Periods
Waiting periods dictate how soon you can use your insurance for specific procedures after enrolling. Many dental plans have 6 to 12-month waiting periods for major services like crowns, dentures, and root canals.
You could face significant out-of-pocket costs if you need urgent dental work but haven’t met the waiting period. Some providers, such as Ameritas, offer shorter or no waiting periods on select plans, making them a better option for those who require immediate care.
#2. Annual Maximums
The annual maximum is the total amount your insurance will pay toward dental care each year. Most plans cap this limit between $1,000 and $2,500, meaning that if you need extensive dental work, you could hit your limit and have to pay the remaining costs out-of-pocket.
Higher-tier plans from Guardian and Ameritas provide higher annual maximums, some exceeding $5,000, offering greater financial protection for individuals who expect ongoing dental treatments.
#3. Network Restrictions
Not all dental plans provide access to the same network of dentists. PPO plans offer more flexibility, allowing you to visit both in-network and out-of-network dentists. In contrast, HMO plans (such as DeltaCare USA) restrict you to a smaller group of in-network providers.
If you travel frequently or have a preferred dentist, a nationwide PPO plan—like those from Ameritas or Delta Dental PPO—ensures greater flexibility in choosing where to receive care.
Why These Things Matter: Real-Life Scenarios
Choosing the right dental insurance isn’t just about picking the lowest premium—it directly impacts your ability to receive timely, affordable care without unexpected financial burdens.
Below are real-life examples of how these factors play out and why they matter in everyday situations.
Scenario: Waiting Periods Can Lead To Costly Delays
Sarah had been experiencing sharp pain in her molar for weeks. After finally seeing a dentist, she was told she needed a root canal and crown immediately. However, since she had just started a new job and enrolled in a dental plan, she learned that her policy had a 12-month waiting period for major services.
With no other choice, Sarah was forced to pay nearly $2,000 out-of-pocket to get the procedure done. If she had chosen a plan with shorter or no waiting periods, she could have avoided this financial stress.
Scenario: Annual Maximums May Limit Your Care
John had neglected his dental care for years, and when he finally went for a check-up, he was told he needed several crowns and a deep cleaning. His plan had an annual maximum of $1,500, and the cost of his procedures quickly exceeded that amount.
Halfway through his treatment, he was left with a choice: pay out-of-pocket for the rest of the work or delay treatment until his benefits reset next year.
A plan with a higher annual maximum—such as one from Ameritas that goes up to $5,000—would have allowed him to complete his treatment without worrying about financial limitations.
Scenario: Network Restrictions Can Limit Access
Lisa moved from Texas to California, assuming that her Delta Dental HMO plan would continue working as usual. However, when she went to book an appointment, she found out that her plan required her to select a new primary dentist in her new state.
The problem? Her preferred dentist wasn’t in-network, and switching meant losing the provider she had trusted for years.
This is why nationwide PPO plans—like those offered by Ameritas or Delta Dental PPO—are often a better choice for people who relocate frequently or want to ensure continued access to their dentist.
These real-life examples highlight the hidden pitfalls that can come with dental insurance if you don’t choose the right plan. A policy that seems cheap upfront could end up costing you thousands in uncovered treatments, long waiting periods, or restrictions on your provider choices.
Before enrolling, ask yourself these questions:
- Do I need immediate dental work? If so, avoid plans with long waiting periods.
- How much dental work will I need this year? A low annual maximum could result in you paying out-of-pocket for major procedures.
- Is my current dentist in-network? If you want flexibility, a PPO might be a better option than an HMO.
Considering these factors can mean the difference between smooth dental care and surprise expenses.
Here’s What We Think
While both Guardian and Delta Dental offer decent dental insurance options, Delta Dental is the better choice.
Why? The key reason for this is its expansive provider network, which boasts over 145,000 participating dentists nationwide. This makes it easier for policyholders to find an in-network provider with minimal hassle.
Delta Dental also offers more cost-effective options for preventive care, with many plans waiving deductibles for routine cleanings and exams.
Additionally, Delta Dental offers a wider variety of plan structures, including PPO, HMO, and hybrid options. This versatility, combined with Delta Dental’s strong reputation for affordability and accessibility, makes it the better choice for those prioritizing network size, cost savings, and preventive care benefits.
Ameritas Dental: A Better Option
While Delta Dental is a strong choice, we believe Ameritas Dental is an even better option.
One of Ameritas’ biggest advantages is its higher annual maximums. Some premium plans offer up to $5,000 per year, significantly more than Guardian and Delta Dental.
Ameritas also offers a Dental Care Estimator that lets policyholders estimate out-of-pocket dental costs before their appointment. It’s a great way to know what to expect and budget confidently ahead of time.
Additionally, Ameritas is known for its shorter waiting periods. Many plans offer immediate coverage for preventive and basic services and waiting periods for major services that are shorter than those of Guardian and Delta Dental’s policies.
Ameritas has three flexible dental plans to fit your budget and coverage needs:
#1. PrimeStar® Lite – Starting at just $25.83/month, this plan covers:
- 100% of preventive care
- 50-80% of basic procedures
- 10-20% of major procedures
- Annual maximums ranging from $750 to $1,500
- No waiting periods
#2. PrimeStar® Boost – At $48.66/month, this plan includes:
- 100% preventive care
- 65-80% for basic procedures
- 20-50% for major procedures
- 15-50% for child orthodontia
- Annual maximums of $1,500 to $2,000
- No waiting periods
#3. PrimeStar® Complete – For $57.26/month, the most comprehensive plan covers:
- 100% preventive care
- 80-90% for basic procedures
- 20-50% for major procedures
- Annual maximums of $2,500 to $3,000
- Additional hearing care benefits
- No waiting periods
All Ameritas plans have a $50 deductible and provide access to an extensive dental network.
Ameritas provides stronger reimbursement rates for major procedures, with coverage percentages that often exceed those of Delta Dental and Guardian. While Delta Dental caps its major service coverage at 50% in many plans, Ameritas plans frequently offer coverage up to 70%, reducing out-of-pocket costs for policyholders who need crowns, root canals, or dentures.
Unlike Delta Dental’s state-dependent network restrictions and Guardian’s in-network limitations, Ameritas offers a true nationwide PPO network that provides consistent benefits no matter where you live. This is especially beneficial for individuals who travel frequently or may relocate and don’t want their coverage to be affected by regional limitations.
While Delta Dental remains a strong choice for those who need affordable, preventive care with a large provider network, Ameritas is the best option for those who want higher coverage limits, shorter waiting periods, and better financial protection on major procedures.
Bottom Line: We Recommend Ameritas
When choosing between Guardian and Delta Dental, the right option depends on your specific needs. Guardian offers higher annual maximums and more customizable coverage, making it a solid choice for individuals who require major dental procedures or orthodontic benefits.
On the other hand, Delta Dental provides a more affordable nationwide network with various plan structures, making it ideal for those who prioritize preventive care and cost-effectiveness.
However, for those looking for the best overall option, Ameritas Dental is our #1 choice. With higher annual maximums, shorter waiting periods, and broader coverage for major procedures, Ameritas outperforms both Guardian and Delta Dental in key areas.
If you need help comparing dental plans, give us a call. We’d love to help!
Sources: Ameritas Dental | Guardian Dental | Delta Dental
FAQs
- Which provider has the largest dentist network, Guardian or Delta Dental?
- Does Guardian or Delta Dental offer better coverage for major dental procedures?
- Which provider is more affordable for preventive dental care?
- Are there waiting periods for major services with Guardian and Delta Dental?
- Is there a better alternative to Guardian and Delta Dental?
