Guardian LifeReviews of guardianlife.com

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.

If you have the option to choose your dental or life insurance company, pick someone else. I do not recommend this company at all. I would change if I could. They denied my claim for a crown. How simple would you think getting a crown should be? I have two different dentists from two separate companies that both recommended a crown for my tooth, that was cracked. My dentist sent multiple letters and phone calls, and still this insurance company denied it. You can see they don’t care about the patient, we all know they care about $$. I have no other options, but to pay out of pocket. What I will do is make sure others are aware of how this company treats people, so that people can run the other way. Please share with anyone else that is contemplating choosing a dental or life insurance company. Don’t use guardian life insurance company of America.

If I could give 0 stars I would. I have guardian Ltd benefits through an employer. I have a disability, and I was initially approved for Ltd benefits. After a few months they had to do a “review”. I was cut from my benefits in July 2025. My medical condition never improved, in fact increasingly gets worse the older I get. My disability will never go away. I appealed the decision in July 2025. They’ve basically harassed my doctor for medical records, forms for him to fill out, more forms for him to fill out, as if I’m his only patient. Today 9/29/2025 I get a call from Tara the case worker saying that now my case needs a peer review. They drag their feet purposely, and for no good reason. I hate them so much.

Guardian rejected paying for claims for an exam for a broken filling because I had the exam done when I was in the office for a teeth cleaning. This despite the fact I had "100% coverage". Apparently doing something when it is both logical and convenient is not payable. But they sure do love their sports sponsorships on their Facebook page.