I am having a problem with Guardian Dental Insurance. I had two dentists that said I needed an extraction, I was pre approved by Guardian, then after the procedure they started coming up with reasons not to pay. AETNA INSURANCE PAID IMEDIATELY WITH NO QUESTIONS on the same claim!!! PLUS AETNA's WEB SITE WAS AMAZINMGLY SIMPLE. What is interesting is that their internal doctor did not know I had pre-approval, (according to their customer service rep that I recorded). I pointed this out after two months of phone calls back and forth and suddenly it was paid. Sound a little fishy? It was, just look at all the complaints on the Better Business Bureau:Guardian Life Insurance Co. of America | ComplaintsBetter Business Bureau: "Guardian is fraudulently collecting premiums from employers but not paying out claims"So my wife Jennifer, same dentists as myself, gets a crown due to a cracked tooth and once again, their internal doctor is denying it was needed. These dentists have very good reputations in CT!!. They conducted all the correct tests for Cracked Tooth Syndrome and said she needed the crown. Once again it was denied even after the dentists submitted proof of all the tests required. Are other people in CT having the same issues?Shouldn't they be investigated?
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The Guardian Life Insurance Company of America (Guardian), a Fortune 300 company, is one of the countrys leading mutual insurers.