Guardian Dental Guard Preferred Network Guardian Life deceptive, didn't live up to their claims, Spokane, , Washington

Your employer should have provided you a certificate booklet which includes the dental procedures that are covered and how they are paid. Additionally, it's cusotmary for your dentist to have any work that is estimated to cost more than a few hundred dollars "Pre-Authorized' so you, as the consumer, know up front what is covered and how much you will be responsible for.  Not all dental procedures are covered and your dentist knows which are and which are not. The processing of a claim is not subjective, meaning that someone at the Guardian just can't decide if or how much to pay. They are obligated by a written contract with regard to both fees and procedures. I would suggest that you review your policy booklet and determine why the services were not covered. I would venture to guess that Guardian's denial of your claim is perfectly justified as per the written and binding provisions of the policy under which you are covered.