•C• •.
Good insurance, but website and policy info disclosure need work
I receive Guardian Dental insurance for free and I pay a couple dollars a month for Guardian Vision through my employer. So far, all dental claims have been accepted and processed quickly. They cover 100% of preventative care and of 80% basic care, and I'm thankful for that. I haven't used my Vision insurance yet, but I will in a couple months so I'm keeping my fingers crossed that it'll be as good as the dental insurance. I'm sure it will. I would have given Guardian Dental five stars but I couldn't overlook the difficulties I had finding policy information. The terms of my Guardian policy should be easily accessible on the website just like my Guardian insurance cards, but they're not. In fact, the policy terms aren't available on the website at all, and that bothers me. How do I hold Guardian accountable for their part of the agreement if I don’t know what the hell they agreed to? For that matter, how am I supposed to make informed decisions about my health if I don’t know what’s covered? Unfortunately, that simple little issue can create a lot of distrust. I'm just glad I have an HR department that I can turn to for info.