Guardian LifeReviews of guardianlife.com

It feels like they are practically trying to put any arbitrary administrative obstacle in my way in order to deny me FMLA. Like they are determined to deny me no matter what. Inconsistent directions on their processes from staff. If you get the wrong set of instructions from one staff, another can deny it based on some arbitrary administrative process requirement no one informed you about. Frankly, it feels like they are trying to put up obstacles so I will give up. They take weeks to respond, which to my understanding is illegal. By the time I get a response, editing any issue on the application is impossible because it's out of date.

No stars. Insanely horrible customer service. Have been trying for WEEKS to get someone on the phone. Still show my STD pending over 6 weeks after my application and can’t spam to anyone about it!! All robots and no people. When you do get someone, they put you on hold and hang up. They’ll gladly take my money though!!!!! Will never ever have this company for anything moving forward. Unfortunately it was my only option this time around. Never again. Do not use this company for any coverage.

Your company sucks along with your people that work in customer service . I will never opt in to use your company ever again.. this company denied my std and just basically don’t care to help fix anything . I am Pregnant and trying to get coverage . Yall sick and giving continuity of care to pregnant women .

3 years of paying premiums and I am covered $61 on an $1,800 bill. x-rays, initial exam, one filling, all say they are covered at least at 60% if not 90-100%. So many lies. Also got a periodontal cleaning which I was not expecting to be covered, but then in fighting the big fight found out that, too, should have had some coverage. NEVER should this company be allowed to participate in the Marketplace. Shouldn't be allowed to be in business with this many people claiming financial damage by deceptive practices.

My dentist dropped Guardian because they were so slow to process claims. I filed an out-of-network claim with payment payable to me directly. They requested my dentist's License number and TIN (which they would already have since he used to accept Guardian) before they would process the claim. At this point I decided it wasn't worth the effort. However, I checked the Guardian website and found the claim was processed and a check issued on Dec 19, 2025. I called Guardian customer service and they said the check was issued to my dentist. Their help line seems to be operated by an outside the USA entity and was pathetically useless.

They never sent me any documents and when I called their awful customer service, despite providing my SSN, date of birth, address name of the company i work for and ID card numbers, they said that they couldn't help me because I didn't have a specific number (that THEY NEVER sent me in the first place) and there's no way for me to get it. They kept bouncing me from number to number. They are a disgrace

I have Guardian through work, I recently had to have a surgery on my foot to allow myself to keep working and in turn keep paying for insurance.... They certainly want me back to work, but boy do they not give a crap about me being healthy enough to do so. I am on STD and though no company provides fiar honest STD, Guardian takes it to a new level. They say they pay bi-weekly, technically they do, by one day. Essentially they pay you once a month and somehow they seem to figure out what pay schedule works the worst for you. "Oh you've been making this much a week for the past decade and paying us, we'll give you 1/3 of that once a month, also our direct deposit takes 48 hours longer than any other business in existance." I can get my federal tax return 21 days after filing. Took over a month to get my first approved payment from Guardian. So although my rent is paid, my credit is tanked due to not being able to pay on the pay dates. They do everything in thier power to delay paying you even after your approved with an benefit end date. I literally can't walk for weeks, there is no way to force me back to work. I just don't understand how these types of behaviors are not considered predatory. They are essentially kicking people while they are down.

This is the worst dental insurance company out there. My dentist recommended a crown for a broken tooth, which was absolutely necessary. The procedure was two hours long and painful. Guardian denied the claim twice, then when the dentist himself called to argue on my behalf, they told him they were no longer taking appeals. Don't waste your money on coverage from these scam artists.