DS 21, in orthodontia since 5th grade, finally got his 7 congenitally missing teeth replaced. It was a long process just to determine the appropriate course of action. We went to a highly recommended, professor of Tuft's University Dental School who does not participate in any insurance plan. You pay cash up from and the claim forms get submitted. He is a prosthedontist and an esthetician. (sp) . DS's teeth look fabulous. You cannot tell which are his actual teeth and which are the replacements. In addition to replacing teeth, he had to have the biting surfaces of his molars raised because they were fused to the bone. Our first dental plan paid up to the limit, the second one, the one that I "cobra'd" refused to pay for teeth that didn't exist before they became the insurer. Missing teeth were not the only problem and despite having been paid 9 months ago, DS's dentist, without my requesting it, wrote a lengthy letter and appealed the decision. They still refused to pay and responded with a letter that we could appeal to a higher, state level authority for a fee of $25 because the claim had been reviewed by a dentist with 12 years of experience. I was grateful that DS's doctor had gone to the lengths that he did and I figured we were at a dead end. Was I shocked when that office called yesterday, asking DS to come in for xrays because the doctor is appealing it to a higher level! He is extremely busy, very much in demand, had given us a 6% discount from his fees and has been tremendously accommodating. In this case, he is going way above and way beyond the call of duty. He is so specialized that he doesn't need to strive to keep us as patients. He doesn't do general dentistry. I am extremely impressed with this guy, not only on a personal level but a professional level as well. No for my opinion of Guardian Dental Insurance? That's another topic!