United Concordia Dental Insurance: Comprehensive Coverage and Benefits – apklas.com

United Concordia Dental Insurance: Comprehensive Coverage and Benefits

by

Introducing United Concordia Dental Insurance, the cornerstone of comprehensive oral healthcare. With an unparalleled commitment to preserving your dental well-being, we embark on a journey towards a healthier, brighter smile. Our unwavering dedication to top-notch dental coverage empowers you to bridge the gap between affordability and accessibility, ensuring that every individual has the opportunity to achieve optimal dental health.

United Concordia’s comprehensive coverage plans are meticulously crafted to meet the unique needs of individuals, families, and businesses alike. Our seamless integration with reputable dental providers nationwide guarantees convenient access to a vast network of highly skilled professionals. Moreover, our unwavering commitment to customer satisfaction and personalized service sets us apart. We believe that dental health should be a priority, not a luxury, and we strive to make it accessible to all.

United Concordia Dental Insurance is more than just a policy; it’s a partnership in preserving your oral health. Our comprehensive plans, paired with our exceptional customer service, serve as a beacon of hope for those seeking a brighter, healthier smile. By choosing United Concordia, you invest in a brighter future, where your dental well-being takes center stage. Embrace the power of dental insurance and unlock the door to a lifetime of confident smiles.

United Concordia Dental Coverage: A Comprehensive Overview

United Concordia is a leading provider of dental insurance in the United States, offering a wide range of coverage options to individuals and families. With a strong network of dentists and affordable premiums, United Concordia is a popular choice for those looking for quality dental care.

Overview of United Concordia Dental Insurance

United Concordia offers a variety of dental insurance plans, including both traditional indemnity plans and managed care plans. Indemnity plans provide more flexibility in choosing a dentist, while managed care plans offer lower premiums in exchange for using dentists within the plan’s network.

Indemnity Plans

United Concordia’s indemnity plans are known for their flexibility and comprehensive coverage. With an indemnity plan, you can choose any dentist you want, both in and out of network. You will pay a deductible for each covered service, and then United Concordia will reimburse you for a percentage of the cost of the service, typically 50-80%.

Managed Care Plans

Managed care plans from United Concordia are designed to be more affordable than indemnity plans. With a managed care plan, you must choose a dentist within United Concordia’s network. You will typically have lower deductibles and co-pays with a managed care plan, but you may have less flexibility in choosing your dentist.

Coverage Options

United Concordia’s dental insurance plans cover a wide range of dental services, including:

  • Preventive care (cleanings, exams, fluoride treatments)
  • Basic restorative care (fillings, crowns, bridges)
  • Major restorative care (root canals, dentures, implants)
  • Orthodontics (braces)

The specific coverage options and benefits will vary depending on the plan you choose.

Network of Dentists

United Concordia has a large network of dentists throughout the United States. This means that you can easily find a dentist near you who accepts United Concordia insurance. To find a dentist in your area, you can use United Concordia’s online provider directory.

Costs and Premiums

The cost of United Concordia dental insurance will vary depending on the plan you choose, your age, and your location. However, United Concordia’s premiums are generally affordable, especially for managed care plans.

Premium Table

Plan Type Monthly Premium
Individual Indemnity $25-$50
Family Indemnity $50-$100
Individual Managed Care $15-$25
Family Managed Care $30-$50

Customer Service

United Concordia has a good reputation for customer service. You can contact United Concordia by phone, email, or live chat. United Concordia also has an online member portal where you can manage your account and submit claims.

Overall, United Concordia is a great option for those looking for affordable, quality dental insurance. With a wide range of coverage options, a large network of dentists, and excellent customer service, United Concordia is a top choice for dental insurance.

How to Choose the Right United Concordia Plan

1. Understand Your Dental Needs

Consider your current oral health, frequency of dental visits, and any specific treatments you may anticipate needing. If you have a history of dental issues or require specialized care, you’ll need a plan with higher coverage limits and benefits.

2. Compare Plans and Coverage

United Concordia offers a range of dental insurance plans, each with varying levels of coverage and premiums. Research and compare the plans carefully to find one that aligns with your needs and budget. Consider factors such as:

  • Deductible: The amount you pay out-of-pocket before insurance coverage kicks in
  • Annual maximum: The maximum amount the plan will cover for dental expenses in a year
  • Preventive care coverage: The percentage of costs covered for services like cleanings and x-rays
  • Major services coverage: The percentage of costs covered for fillings, crowns, and other major procedures

3. Consider Your Network and Location

United Concordia has an extensive network of dentists, but it’s important to check if your preferred dentists are in-network. Participating dentists typically offer discounted rates and simpler billing procedures. Additionally, if you frequently travel or have multiple dental needs, look for a plan with a wide network of providers.

United Concordia Network Size:

Region Network Size
National 240,000+ dentists
California 50,000+ dentists
Florida 45,000+ dentists
Texas 30,000+ dentists

4. Evaluate Additional Benefits

Some United Concordia plans offer additional benefits, such as:

  • Vision and hearing coverage
  • Wellness programs and discounts
  • Flexible spending accounts (FSAs)
  • Dental accident insurance

5. Read Reviews and Get Recommendations

Check online reviews and ask for recommendations from friends, family, or colleagues who have used United Concordia dental insurance. This can provide valuable insights into customer service, claim processing, and the overall quality of care.

The Importance of Dental Insurance with United Concordia

Dental insurance is an essential part of maintaining good oral health and overall well-being. Without insurance, the cost of dental treatments can be a significant financial burden, preventing many people from getting the care they need. United Concordia is a leading provider of dental insurance, offering a wide range of plans to meet the needs of individuals, families, and businesses.

Benefits of Dental Insurance with United Concordia

There are numerous benefits to having dental insurance with United Concordia, including:

  • Affordability: Dental insurance helps make dental care more affordable by covering a portion of the costs of treatments.
  • Access to care: Dental insurance gives you access to a network of dentists and specialists, making it easier to find the care you need.
  • Preventive care: United Concordia plans typically cover preventive care such as cleanings, exams, and fluoride treatments, which help prevent the need for more expensive treatments in the future.
  • Major services: Dental insurance also covers major services such as fillings, crowns, and root canals.
  • Orthodontics: Some United Concordia plans offer orthodontic coverage for children and adults.

Types of United Concordia Dental Insurance Plans

United Concordia offers a variety of dental insurance plans to meet the needs of different individuals and families. These plans include:

  • Individual plans: These plans are designed for individuals who do not have dental insurance through their employer.
  • Family plans: These plans cover the entire family, including spouses and children.
  • Group plans: These plans are offered through employers and provide dental coverage to employees and their families.

Coverage and Costs

The coverage and costs of United Concordia dental insurance plans vary depending on the plan you choose. However, all plans include preventive care coverage, and many plans offer additional coverage for major services and orthodontics. The premium for your plan will also vary depending on the type of plan, the level of coverage, and your location.

Plan Type Monthly Premium
Individual Basic $10-$20
Individual Enhanced $20-$30
Family Basic $20-$30 per person
Family Enhanced $30-$40 per person

Note: These are just examples, and the actual costs may vary.

Finding a United Concordia Dentist

United Concordia has a network of over 100,000 dentists nationwide. To find a dentist in your area who accepts United Concordia insurance, you can use the Find a Dentist tool on the United Concordia website.

Filing a Claim

To file a claim with United Concordia, you can submit the claim online or by mail. You will need to provide your policy number, the date of service, and the type of treatment received. United Concordia will process your claim and send you a check for the amount covered by your insurance.

Orthodontic Coverage with United Concordia

United Concordia Dental Insurance is a leading provider of dental insurance plans, offering a wide range of coverage options, including orthodontic treatment. Orthodontic coverage helps to cover the costs of braces, aligners, and other orthodontic procedures, making it more affordable for individuals to achieve a straighter, healthier smile.

Plan Options

United Concordia offers a variety of dental insurance plans that include orthodontic coverage, including the following:

– **Premier Plus:** Covers up to $2,000 towards orthodontic treatment for members under the age of 19.
– **Cigna Dental Access 2000:** Covers up to $1,500 towards orthodontic treatment for members under the age of 19.
– **Cigna Dental Access 1000:** Covers up to $1,000 towards orthodontic treatment for members under the age of 19.

Deductibles and Copayments

Most United Concordia dental plans have a deductible that must be met before orthodontic coverage begins. The deductible is the amount of money that you pay out-of-pocket before your insurance benefits start. After the deductible is met, you will typically have a copayment, which is a fixed amount that you pay for each orthodontic visit. The amount of the deductible and copayment will vary depending on your specific plan.

Waiting Periods

United Concordia has a waiting period for orthodontic coverage, which is typically 12 months. This means that you will not be eligible for orthodontic coverage until you have been enrolled in your plan for 12 months. However, some plans may have a shorter waiting period for orthodontic coverage, so it is important to check your plan details to confirm.

Age Restrictions

United Concordia’s orthodontic coverage is typically available to members under the age of 19. However, some plans may offer coverage for adults over the age of 19. If you are an adult and are interested in orthodontic coverage, it is important to check with your plan to confirm your eligibility.

Types of Orthodontic Treatment Covered

United Concordia’s orthodontic coverage typically includes the following types of treatment:

– Braces
– Clear aligners
– Retainers

Limits on Coverage

There are typically limits on the amount of coverage that United Concordia provides for orthodontic treatment. The limits vary depending on your plan, but they typically range from $1,000 to $2,000. Once the limit is reached, you will be responsible for paying the remaining costs of your orthodontic treatment.

Pre-Authorization

In most cases, you will need to get pre-authorization from United Concordia before you can receive orthodontic treatment. Pre-authorization is a process in which your dentist submits a treatment plan to United Concordia for approval. United Concordia will review the treatment plan and determine whether it is medically necessary and reasonable. If the treatment plan is approved, United Concordia will issue a pre-authorization number that you can give to your dentist.

Filing a Claim

To file a claim for orthodontic treatment, you will need to submit a claim form to United Concordia. The claim form can be downloaded from the United Concordia website or obtained from your dentist. Once you have completed the claim form, you can mail it to United Concordia or submit it electronically.

Coverage for Adults

While orthodontic coverage is typically available to members under the age of 19, some United Concordia plans may offer coverage for adults. If you are an adult and are interested in orthodontic coverage, it is important to check with your plan to confirm your eligibility. Adult orthodontic coverage may have different limits and restrictions than coverage for children.

Maximum Annual Coverage Limits

United Concordia dental insurance offers a range of coverage options with varying annual coverage limits. These limits determine the maximum amount the insurance will pay for eligible dental services within a calendar year. Understanding these limits is crucial to ensure you get the most out of your coverage.

Adult Maximums

Adults enrolled in United Concordia plans typically have annual coverage limits ranging from $1,000 to $2,500. The specific limit for your plan will depend on the plan you select and the level of coverage you choose. Standard plans generally have lower annual limits, while more comprehensive plans offer higher limits.

Child Maximums

Children’s dental plans with United Concordia typically have annual coverage limits of $750 to $2,000. Like adults, the child’s age and the coverage level selected will determine the exact limit. Children’s plans are specifically designed to meet the oral health needs of kids and offer benefits tailored to their age group.

Lifetime Maximums

In addition to annual maximums, some United Concordia plans may also have lifetime maximums. These caps apply to the total amount the insurance will pay for covered services over the lifetime of the policy. Lifetime maximums vary depending on the plan and are important to consider when selecting a plan that will provide adequate coverage for your long-term dental needs.

Coverage Details

The exact coverage provided under United Concordia plans will vary depending on the plan selected. However, most plans offer coverage for a range of services, including preventive care (cleanings, exams, fluoride treatments), restorative care (fillings, crowns, bridges), and orthodontic treatment (braces, aligners).

In-Network vs. Out-of-Network

United Concordia plans typically offer higher coverage levels for services received from in-network providers. In-network providers have negotiated rates with United Concordia, which can result in lower out-of-pocket costs for you. When receiving services from out-of-network providers, you may be responsible for a higher portion of the costs.

Preventive Care

Preventive dental care is essential for maintaining good oral health and preventing costly dental problems down the road. Most United Concordia plans cover preventive care services, such as cleanings, exams, and fluoride treatments, at 100%.

Restorative Care

Restorative dental care refers to procedures that repair or restore damaged teeth. This includes fillings, crowns, bridges, and root canals. Coverage for restorative care varies depending on the plan, but many plans offer full coverage for basic services and a percentage of coverage for more complex procedures.

Orthodontic Treatment

Orthodontic treatment, such as braces and aligners, is often covered by United Concordia plans. The coverage may vary depending on the plan and the age of the policyholder. Some plans may cover a portion of the treatment costs, while others may offer full coverage.

Dental Implants

Dental implants are a permanent solution to missing teeth. While dental implants are typically considered a major dental procedure, United Concordia offers coverage for dental implants under certain plans. The coverage may vary, so it’s important to check your specific plan details.

Annual Coverage Maximums by Category

The following table provides an overview of annual coverage maximums for different categories of dental services under United Concordia plans:

Category Coverage Limit
Preventive Care 100%
Basic Restorative Care 80%-100%
Major Restorative Care 50%-80%
Orthodontic Treatment Varies by plan
Dental Implants Varies by plan

Understanding Your Coverage

It is important to carefully review the details of your United Concordia dental insurance plan to understand your coverage limits and out-of-pocket costs. This information can help you make informed decisions about your dental care and ensure you receive the best possible coverage for your needs. If you have any questions about your coverage, contact your dental insurance provider or refer to your plan documents.

Enrolling in United Concordia Dental Insurance

Eligibility

  • Individuals and families
  • Employers and small businesses (groups)
  • Medicare beneficiaries (certain plans)

Methods of Enrollment

  • Online: Visit the United Concordia website and create an account.
  • Phone: Call 1-800-233-0233 and speak with a representative.
  • In-person: Visit a United Concordia office or a participating dental practice.
  • Through an employer: Enroll through your employer if they offer United Concordia dental insurance as a benefit.

Plan Options

United Concordia offers a wide range of dental insurance plans, including:

  • PPO (Preferred Provider Organization) plans
  • EPO (Exclusive Provider Organization) plans
  • POS (Point of Service) plans
  • Indemnity plans

Each plan type has its own unique coverage options and benefits.

Covered Services

United Concordia dental insurance plans typically cover a wide range of dental services, including:

  • Preventive care (e.g., cleanings, exams)
  • Basic restorative care (e.g., fillings, crowns)
  • Major restorative care (e.g., root canals, dental implants)
  • Orthodontics (may be limited in some plans)

Costs

The cost of United Concordia dental insurance varies depending on the plan chosen, group size (if applicable), and individual factors such as age and health.

Coverage Waiting Periods

Most United Concordia dental insurance plans have a six-month waiting period for major restorative services, such as crowns and root canals. Some plans also have a three-month waiting period for orthodontics.

Out-of-Network Coverage

Depending on the plan, you may or may not have out-of-network coverage. Out-of-network benefits are often limited, and you may have to pay more for out-of-network services.

Choosing a Dentist

Most United Concordia dental insurance plans allow you to choose any dentist you like. However, you will typically save more money if you choose a dentist within the preferred provider network.

Accessing Benefits

You can access your United Concordia dental insurance benefits by presenting your insurance card at the dentist’s office. You can also view your coverage information online or through the United Concordia mobile app.

Additional Information

Finding an In-Network Dentist

To find an in-network dentist, visit the United Concordia website or call 1-800-233-0233. You can also check with your dentist to see if they accept United Concordia insurance.

Customer Service

United Concordia offers a variety of customer service channels, including:

  • Phone: 1-800-233-0233
  • Online chat: Available on the United Concordia website
  • Email: [email protected]

Customer Support for United Concordia Dental Insurance

United Concordia Dental Insurance is committed to providing excellent customer support to its members. With a range of options available, you can easily get the help you need, when you need it.

Contact Information

You can contact United Concordia Dental Insurance by phone, mail, or email:

  • Phone: 1-800-236-2673
  • Mail: P.O. Box 7373, Harrisburg, PA 17105-7373
  • Email: [email protected]

Hours of Operation

Phone support is available Monday through Friday, 8:00 AM to 8:00 PM ET.

Self-Service Options

In addition to contacting customer support directly, you can also access a variety of self-service options:

  • Online Member Portal: You can create an online account to view your coverage, make changes, and track claims.
  • Mobile App: The United Concordia Dental Insurance mobile app allows you to access your account, find providers, and submit claims on the go.

Frequently Asked Questions (FAQs)

Visit the United Concordia Dental Insurance website to access a comprehensive list of FAQs covering common questions about coverage, claims, and billing.

Additional Customer Support Options

Here are some additional customer support options available:

Live Chat

Chat with a customer service representative online during business hours.

Text Messaging

Send a text message with your question to the number provided on the United Concordia Dental Insurance website.

Social Media

Connect with United Concordia Dental Insurance on social media for updates and support.

Provider Finder

Use the online provider finder to locate a dentist in your area.

Claims Status

Check the status of your claims online or by phone.

Coverage Details

View your coverage details, including your deductible and maximums, online or by phone.

File a Complaint

If you have a complaint about United Concordia Dental Insurance, you can file a complaint online or by mail.

United Concordia’s Financial Strength and Stability

United Concordia Dental Insurance is a leading provider of dental benefits in the United States. The company has a long history of financial strength and stability, which is important for consumers who want to be sure that their dental insurance provider will be there for them when they need it.

Financial Ratings

United Concordia has received strong financial ratings from independent agencies. These ratings assess the company’s financial strength, stability, and ability to meet its obligations to policyholders.

  • AM Best: A+ (Superior)
  • Fitch: A+ (Strong)
  • Moody’s: A1 (Good)
  • Standard & Poor’s: A+ (Strong)

These ratings indicate that United Concordia is a financially sound company that is well-positioned to meet its financial obligations.

Financial Performance

United Concordia has a strong track record of financial performance. The company has consistently reported positive financial results, including:

  • Strong revenue growth
  • Low operating expenses
  • High net income
  • Healthy cash flow

These financial results demonstrate United Concordia’s ability to generate profits and maintain a strong financial position.

Surplus and Solvency

United Concordia maintains a healthy level of surplus and solvency. Surplus is the amount of assets that exceed liabilities, and it provides a buffer against unexpected events. Solvency is the measure of a company’s ability to meet its obligations to policyholders.

United Concordia’s surplus and solvency ratios are well above industry averages, which indicates that the company is in a strong financial position to meet its obligations to policyholders.

Capitalization

United Concordia is well-capitalized, which means that it has a strong financial foundation. The company’s capital consists of its surplus, reserves, and other assets.

United Concordia’s capitalization ratios are well above industry averages, which indicates that the company is in a strong financial position to weather economic downturns and other challenges.

Investment Strategy

United Concordia has a conservative investment strategy that is designed to preserve capital and generate a reasonable rate of return. The company’s investments are diversified across a range of asset classes, including:

  • Bonds
  • Stocks
  • Real estate
  • Private equity

United Concordia’s investment strategy has helped the company to generate strong investment returns and maintain a healthy financial position.

Customer Service

United Concordia is committed to providing excellent customer service. The company offers a variety of customer service options, including:

  • Phone support
  • Online chat
  • Email support
  • A dedicated MyBenefits portal

United Concordia’s customer service representatives are knowledgeable and helpful, and they are always willing to go the extra mile to help policyholders.

Premiums and Coverage

United Concordia offers a wide range of dental insurance plans to meet the needs of individuals, families, and businesses. The company’s premiums are competitive, and its plans offer a variety of coverage options, including:

  • Preventive care
  • Basic care
  • Major services
  • Orthodontics

United Concordia’s plans are designed to help policyholders get the dental care they need at an affordable price.

Provider Network

United Concordia has a large provider network that includes over 90,000 dental care providers across the United States. This network provides policyholders with access to a wide range of dental services, from routine cleanings to major procedures.

United Concordia’s provider network is carefully selected to ensure that policyholders have access to high-quality dental care. The company’s providers are experienced and qualified, and they are committed to providing excellent customer service.

Deductibles and Copayments

United Concordia’s dental insurance plans have a variety of deductibles and copayments. Deductibles are the amount that policyholders must pay out-of-pocket before their insurance coverage begins. Copayments are the amount that policyholders must pay for each covered service.

United Concordia’s deductibles and copayments are competitive with other dental insurance providers. The company offers a variety of plan options to meet the needs of individuals, families, and businesses.

Claim Processing

United Concordia processes claims quickly and efficiently. The company uses a state-of-the-art claims processing system that allows policyholders to submit claims online, by mail, or by fax.

United Concordia’s claims processing team is experienced and knowledgeable, and they are committed to providing excellent customer service. The team works hard to ensure that claims are processed quickly and accurately.

24. Frequently Asked Questions
  • What is the best way to contact United Concordia?

    • The best way to contact United Concordia is by phone at 1-800-233-9162. You can also contact United Concordia by online chat or email at [email protected].

        <li>How do I find a dentist in my area?</li>
    <p>You can find a dentist in your area by visiting United Concordia's website at www.unitedconcordia.com. You can also call United Concordia at 1-800-233-9162 and ask for a list of dentists in your area.</p>

    <li>How do I file a claim?</li>
    <p>You can file a claim by visiting United Concordia's website at www.unitedconcordia.com. You can also call United Concordia at 1-800-233-9162 and ask for a claim form.</p>

    <li>What is the deductible for my plan?</li>
    <p>The deductible for your plan will vary depending on the plan that you have. You can find your deductible by visiting United Concordia's website at www.unitedconcordia.com or by calling United Concordia at 1-800-233-9162.</p>

    <li>What is the copayment for my plan?</li>
    <p>The copayment for your plan will vary depending on the plan that you have. You can find your copayment by visiting United Concordia's website at www.unitedconcordia.com or by calling United Concordia at 1-800-233-9162.</p>
  </ul>
</td>

    United Concordia’s Community Involvement

    United Concordia, a leading dental insurance provider, is deeply committed to giving back to the communities it serves. Over the years, the company has made significant contributions through a variety of initiatives that support oral health, education, and well-being.

    Access to Care

    United Concordia recognizes the importance of access to dental care for everyone, regardless of their financial situation. The company supports several programs that provide free or low-cost dental care to underserved communities.

    United Concordia Community Dental Care

    This program provides free dental services to low-income individuals and families in need. United Concordia partners with local dentists to offer a range of services, including cleanings, exams, fillings, and extractions.

    Give Kids A Smile Day

    Each year, United Concordia volunteers at Give Kids A Smile Day events across the country. These events provide free dental care to thousands of children who may not have access to regular dental appointments.

    Dental Education

    United Concordia is committed to educating the public about the importance of oral health. The company supports a variety of programs that provide dental health education to children, adults, and seniors.

    United Concordia Oral Health Education Program

    This program provides educational materials and resources to schools, community centers, and other organizations. The materials cover topics such as brushing, flossing, and the importance of regular dental checkups.

    Dental Health Screening Days

    United Concordia hosts dental health screening days at community events and health fairs. These events provide free oral exams and screenings to attendees, as well as information on dental hygiene and insurance options.

    Community Events

    United Concordia actively participates in community events that promote health and well-being. The company sponsors and supports a variety of events, including:

    5K Races and Health Walks

    United Concordia sponsors several 5K races and health walks throughout the year. These events encourage physical activity and raise funds for local charities.

    Community Health Fairs

    United Concordia participates in community health fairs, where the company provides information on dental health, insurance options, and other health-related topics.

    Volunteerism

    United Concordia employees are encouraged to volunteer their time to support community organizations and causes. The company offers opportunities for employees to participate in a variety of volunteer activities, including:

    Activity Description
    Habitat for Humanity Assisting with home construction and repair projects for low-income families
    Meals on Wheels Delivering meals to homebound seniors and individuals with disabilities
    United Way Campaigns Raising funds and volunteering for local United Way initiatives

    United Concordia’s community involvement is a testament to the company’s commitment to giving back and making a positive impact on the communities it serves. Through its various programs and initiatives, United Concordia helps to improve access to dental care, promote oral health education, and support overall well-being.

    United Concordia’s History and Mission

    United Concordia is a dental insurance company headquartered in Harrisburg, Pennsylvania. The company was founded in 1982 and has since grown to become one of the largest dental insurers in the United States. United Concordia provides dental insurance to individuals, families, and businesses of all sizes.

    Mission Statement

    United Concordia’s mission is to “help people achieve optimum oral health and well-being.” The company’s goal is to provide affordable, high-quality dental insurance that meets the needs of its customers. United Concordia strives to build long-term relationships with its customers and to be a trusted partner in their oral health care.

    History

    United Concordia was founded in 1982 by a group of dentists who were dissatisfied with the lack of affordable dental insurance options available to their patients. The company’s initial focus was on providing dental insurance to individuals and families. In the years that followed, United Concordia expanded its offerings to include dental insurance for businesses of all sizes.

    Today, United Concordia is one of the largest dental insurers in the United States. The company has over 6 million members and provides dental insurance coverage to over 130,000 businesses. United Concordia is committed to providing its customers with affordable, high-quality dental insurance that meets their needs.

    Products and Services

    United Concordia offers a wide range of dental insurance products and services, including:

    * Individual dental insurance plans
    * Family dental insurance plans
    * Dental insurance plans for businesses
    * Vision insurance plans
    * Life insurance plans

    United Concordia also offers a number of value-added services, such as:

    * Dental discount plans
    * Dental savings plans
    * Health and wellness programs

    Customer Service

    United Concordia is committed to providing its customers with excellent customer service. The company’s customer service representatives are available to answer questions, provide information, and help customers find the right dental insurance plan for their needs. United Concordia also offers a number of online tools and resources to help customers manage their dental insurance accounts.

    Financial Strength

    United Concordia is a financially strong company. The company has an A+ rating from A.M. Best, which is one of the leading credit rating agencies in the world. United Concordia’s financial strength ensures that it will be able to meet its obligations to its customers, even in challenging economic times.

    Awards and Recognition

    United Concordia has been recognized for its commitment to providing affordable, high-quality dental insurance. The company has received numerous awards, including:

    * The National Committee for Quality Assurance’s (NCQA) Dental Accreditation
    * The American Dental Association’s (ADA) Seal of Approval
    * The Better Business Bureau’s (BBB) A+ rating

    Membership Value

    United Concordia offers a number of membership benefits to its customers. These benefits include:

    * Access to a network of over 100,000 dentists
    * Discounts on dental services
    * Dental health and wellness programs
    * Free dental exams for children

    Conclusion

    United Concordia is a leading dental insurance provider in the United States. The company is committed to providing its customers with affordable, high-quality dental insurance that meets their needs. United Concordia offers a wide range of dental insurance products and services, as well as a number of value-added benefits. The company is financially strong and has received numerous awards for its commitment to quality.

    The Future of United Concordia Dental Insurance

    Technological Advancements

    United Concordia is embracing the latest technologies to enhance dental care. These advancements include:

    • Artificial intelligence (AI) to assist with diagnosis and treatment planning
    • 3D scanning for precise impressions and digital treatment plans
    • Telehealth for remote consultations and follow-up care

    Expansion of Services

    United Concordia is expanding its services to meet the changing needs of members. This includes:

    • Coverage for preventative procedures such as cleanings and fluoride treatments
    • Orthodontic coverage for children and adults
    • Specialized dental plans for seniors and individuals with chronic conditions

    Personalized Care

    United Concordia believes in personalized dental care. Its members have access to:

    • Personalized treatment plans based on individual needs and preferences
    • Access to a network of experienced and qualified dentists
    • Support from a dedicated customer service team

    Improved Customer Experience

    United Concordia is committed to providing an exceptional customer experience. This includes:

    • Easy-to-understand coverage information and benefits summaries
    • Online and mobile tools for managing dental care
    • Prompt and efficient claims processing

    Data-Driven Innovation

    United Concordia uses data to drive innovation and improve the quality of dental care. This includes:

    • Analyzing claims data to identify trends and unmet needs
    • Partnering with research institutions to advance dental health
    • Investing in programs that promote oral hygiene and preventive care

    Coverage Options

    United Concordia offers a range of coverage options to meet the needs of individuals and families. These options include:

    • Comprehensive plans that cover major procedures like crowns and bridges
    • Basic plans that focus on preventive care and routine checkups
    • Value plans that offer a balance of coverage and affordability

    Dental Network

    United Concordia has a vast network of experienced and qualified dentists. Members can choose from:

    • General dentists for routine care
    • Specialists in orthodontics, periodontics, and endodontics
    • Dentists who offer specialty services such as cosmetic dentistry and implant placement

    Customer Service

    United Concordia is dedicated to providing excellent customer service. Members can contact the customer support team:

    • By phone 24/7
    • Through live chat on the website
    • By email or social media

    Premiums and Benefits

    United Concordia offers a variety of plans with varying premiums and benefits. Members can choose the plan that best suits their needs and budget. The following table provides a general overview of the premiums and benefits:

    Plan Type Monthly Premium Benefits
    Comprehensive $60-$80 Covers major procedures, preventive care, and most dental services
    Basic $40-$60 Covers preventive care, routine checkups, and basic dental procedures
    Value $50-$70 Offers a balance of coverage and affordability, including preventive care and some major procedures

    United Concordia’s Travel and Expat Dental Insurance

    United Concordia, a well-established dental insurance provider, offers specialized plans for individuals traveling or living abroad. These plans provide comprehensive coverage for a range of dental services, ensuring peace of mind while you’re away from home.

    Travel Dental Insurance

    United Concordia’s travel dental insurance plans are designed for short-term stays abroad, typically for durations of up to 12 months. These plans cover a range of essential dental services, including:

    • Emergency dental care
    • Basic dental treatments, such as fillings and cleanings
    • Accidental dental injuries

    Benefits and Features

    * Flexible coverage periods, from 1 to 12 months
    * Coverage for both planned and unplanned dental expenses
    * Access to a network of reputable dentists and hospitals worldwide
    * 24/7 emergency assistance

    Expat Dental Insurance

    United Concordia also offers expat dental insurance plans for individuals who are living abroad for extended periods of time. These plans provide more comprehensive coverage compared to travel insurance, and are suitable for those who require ongoing dental care.

    Benefits and Features

    * Annual coverage periods, renewable annually
    * Comprehensive coverage for a wide range of dental services, including preventive, restorative, and cosmetic treatments
    * Access to a network of trusted dentists and specialists in the expat’s country of residence
    * Emergency dental coverage while traveling outside of the expat’s country of residence

    Plan Options

    United Concordia offers a variety of expat dental insurance plans to suit different needs and budgets. These plans vary in terms of coverage levels, deductibles, and premiums.

    Coverage Table

    The following table provides a comparison of the coverage offered by United Concordia’s travel and expat dental insurance plans:

    Travel Dental Insurance Expat Dental Insurance
    Coverage Period Up to 12 months Annual, renewable
    Coverage Level Basic dental care Comprehensive dental care
    Network Worldwide network of dentists and hospitals Network of trusted dentists and specialists in the expat’s country of residence
    Emergency Coverage Yes, while traveling abroad Yes, while traveling outside of the expat’s country of residence
    Deductible Varies depending on plan Varies depending on plan
    Premium Affordable premiums Premiums based on coverage level and age

    Benefits of Choosing United Concordia

    There are several reasons why individuals choose United Concordia for their travel and expat dental insurance needs:

    • Extensive network: United Concordia has a vast network of dentists and hospitals worldwide, ensuring access to quality dental care wherever you may be.
    • Flexible coverage: The travel and expat dental insurance plans offer flexible coverage periods and options to meet your specific needs.
    • Excellent customer service: United Concordia is known for its responsive and supportive customer service team.

    How to Enroll

    Enrolling in United Concordia’s travel or expat dental insurance is a simple and straightforward process. You can apply online, over the phone, or through a licensed insurance agent. The following information is typically required:

    • Personal information, such as name, address, and date of birth
    • Details of your travel or expat plans
    • Payment information

    Once you have enrolled, you will receive a confirmation of coverage. It is important to keep your enrollment information up-to-date and to contact United Concordia promptly if you experience any dental emergencies while abroad.

    United Concordia’s Dental Wellness Programs

    United Concordia is a leading dental insurance provider that offers a variety of dental wellness programs to help its members maintain optimal oral health. These programs are designed to provide affordable access to preventive care, educate members about the importance of oral health, and reward them for taking steps to improve their smiles.

    Preventive Care Services

    United Concordia’s dental wellness programs include a wide range of preventive care services, such as:

    • Regular dental checkups and cleanings
    • Dental X-rays
    • Fluoride treatments
    • Sealants
    • Mouthguards

    These services are essential for maintaining good oral health and preventing common dental problems, such as cavities, gum disease, and tooth decay.

    Educational Resources

    United Concordia provides its members with a variety of educational resources to help them learn more about the importance of oral health and how to care for their teeth and gums. These resources include:

    • Online articles and videos
    • Printed brochures and pamphlets
    • Webinars and workshops
    • Community outreach programs

    These resources are designed to help members make informed decisions about their oral health and take steps to improve their smiles.

    Rewards Programs

    United Concordia offers its members a variety of rewards programs to encourage them to take steps to improve their oral health. These programs include:

    • Discounts on dental services
    • Gift cards for completing certain dental tasks
    • Raffles and giveaways

    These rewards programs are designed to motivate members to take care of their teeth and gums and to make preventive care a priority.

    Specific Wellness Programs

    United Concordia offers a number of specific wellness programs, including:

    • MySmileRewards: This program rewards members for completing certain dental tasks, such as getting a checkup and cleaning, brushing their teeth twice a day, and flossing once a day.
    • Healthy Smiles for Life: This program provides free dental care to low-income children.
    • Smiles for Seniors: This program provides affordable dental care to seniors.

    These programs are designed to help members of all ages maintain optimal oral health.

    How to Get Started

    To get started with United Concordia’s dental wellness programs, simply contact your dental insurance provider. They can help you enroll in the programs and provide you with more information about the benefits and rewards.

    Benefits of Participation

    There are many benefits to participating in United Concordia’s dental wellness programs, including:

    • Improved oral health
    • Reduced risk of dental problems
    • Increased access to preventive care
    • Lower dental care costs
    • Enhanced overall health

    Participating in these programs is a great way to improve your oral health and overall well-being.

    Cost of Participation

    The cost of participating in United Concordia’s dental wellness programs varies depending on the specific program. Some programs are free to join, while others may have a small monthly fee. However, the benefits of participation far outweigh the costs.

    Provider Network

    United Concordia has a large network of dental providers who participate in its dental wellness programs. This means that you can easily find a dentist who can help you achieve your oral health goals.

    Customer Service

    United Concordia’s customer service team is available to answer any questions you may have about its dental wellness programs. They can also help you enroll in the programs and find a dentist in your area.

    Frequently Asked Questions

    Q: How do I enroll in United Concordia’s dental wellness programs?

    A: To enroll in United Concordia’s dental wellness programs, simply contact your dental insurance provider.

    Q: How much does it cost to participate in the programs?

    A: The cost of participating in United Concordia’s dental wellness programs varies depending on the specific program, but many programs are free to join.

    Q: What are the benefits of participating in the programs?

    A: The benefits of participating in United Concordia’s dental wellness programs include improved oral health, reduced risk of dental problems, increased access to preventive care, lower dental care costs, and enhanced overall health.

    Q: What is the provider network like?

    A: United Concordia has a large network of dental providers who participate in its dental wellness programs, so you can easily find a dentist in your area.

    Q: What kind of customer service is available?

    A: United Concordia’s customer service team is available to answer any questions you may have about its dental wellness programs and can help you enroll in the programs and find a dentist in your area.

    United Concordia’s Regulatory Compliance

    1. Compliance Framework

    United Concordia has established a comprehensive compliance framework to ensure adherence to all applicable laws and regulations. This framework includes policies, procedures, and training programs designed to promote ethical and responsible conduct throughout the organization.

    2. Regulatory Oversight

    United Concordia is subject to oversight by various regulatory agencies, including state insurance departments and the Centers for Medicare & Medicaid Services (CMS). These agencies regularly review the company’s operations and financial condition to ensure compliance with regulatory requirements.

    3. Compliance Officers

    United Concordia has appointed a team of dedicated compliance officers who are responsible for overseeing the compliance program and reporting to senior management and the board of directors.

    4. Employee Training

    United Concordia provides comprehensive training programs to employees on a range of compliance topics, including anti-fraud, anti-kickback, and privacy protection. Employees are required to complete annual training to ensure they are up-to-date on regulatory developments.

    5. Internal Audits

    United Concordia’s internal audit department conducts regular audits to assess compliance with regulatory requirements and identify areas for improvement. Audit findings are reported to senior management and the board of directors.

    6. Compliance Hotline

    United Concordia has established a confidential compliance hotline where employees and stakeholders can report suspected non-compliance or unethical behavior. The hotline is operated by an independent third party to ensure confidentiality.

    7. Regulatory Reporting

    United Concordia meets all regulatory reporting requirements, including the filing of annual financial statements, solvency reports, and compliance certifications.

    8. Regulatory Examinations

    United Concordia is subject to regular examinations by regulatory agencies to assess its compliance with regulatory requirements. The company cooperates fully with these examinations and promptly addresses any identified deficiencies.

    9. Enforcement Actions

    United Concordia has a history of compliance with regulatory requirements and has not been subject to any significant enforcement actions.

    10. Commitment to Compliance

    United Concordia is committed to maintaining a high level of regulatory compliance. The company believes that compliance is essential for protecting the interests of its customers, employees, and stakeholders.

    41. State-Level Compliance

    In addition to federal regulations, United Concordia is also subject to compliance with state insurance regulations. The company has established a team of state compliance officers who are responsible for monitoring and ensuring compliance with state laws and regulations. United Concordia also regularly reviews and updates its compliance policies and procedures to ensure they align with state-specific requirements.

    The following table provides a summary of key state-level compliance requirements:

    State Key Compliance Requirements
    California Health Insurance Portability and Accountability Act (HIPAA) compliance, Genetic Information Nondiscrimination Act (GINA) compliance, California Confidentiality of Medical Information Act (CMIA) compliance
    Florida Patient Protection and Affordable Care Act (ACA) compliance, Florida Patient’s Bill of Rights compliance, Florida Insurance Code compliance
    New York HIPAA compliance, GINA compliance, New York Insurance Law compliance
    Texas ACA compliance, Texas Insurance Code compliance, Texas Health and Safety Code compliance

    United Concordia is committed to meeting all state-level compliance requirements and works closely with state regulators to ensure compliance.

    United Concordia’s Employer-Sponsored Dental Insurance

    <>

    United Concordia Insurance Company provides a wide range of dental insurance plans designed for employers to offer their employees as part of their benefits package. These plans are designed to provide comprehensive coverage for preventive, basic, and major dental services, helping employees maintain good oral health and avoid costly dental expenses.

    Employer Benefits

    Offering employer-sponsored dental insurance provides several benefits to employers, including:

    • Attracting and retaining employees: Dental insurance is a valuable benefit that can help employers attract and retain top talent.
    • Improving employee health: Good oral health is linked to overall health and well-being. Dental insurance can help employees get the preventive care they need to avoid serious health problems.
    • Reducing absenteeism: Dental pain and discomfort can lead to lost workdays. Dental insurance can help employees get the treatment they need to avoid these issues.
    • Controlling healthcare costs: Preventive dental care can help identify and treat oral health problems early on, preventing them from becoming more serious and costly to treat.

    Plans and Coverage

    United Concordia offers a variety of dental insurance plans to meet the needs of employers and their employees. These plans include:

    • Preventative: Covers routine cleanings, exams, and X-rays.
    • Basic: Covers fillings, extractions, and other basic dental procedures.
    • Major: Covers major dental procedures such as root canals, crowns, and bridges.
    • Orthodontic: Covers braces and other orthodontic treatments.

    The specific coverage provided by each plan will vary depending on the plan selected by the employer.

    Premiums and Deductibles

    The premiums for United Concordia’s employer-sponsored dental insurance plans are determined by a number of factors, including the size of the group, the plan selected, and the coverage options chosen. Deductibles are also applied to most plans, meaning that employees must pay a certain amount out of pocket before the insurance coverage begins.

    Network of Providers

    United Concordia has a network of over 110,000 dentists and specialists across the United States. This nationwide network ensures that employees have access to quality dental care close to home.

    Claims Processing

    United Concordia’s claims processing system is designed to be efficient and user-friendly. Employees can submit claims online, by mail, or over the phone. The company’s website also provides access to a variety of online tools and resources that help employees manage their dental insurance benefits.

    43. Preventative Care

    Preventative care is an important part of maintaining good oral health. United Concordia’s dental insurance plans cover a wide range of preventive services, including:

    • Regular cleanings
    • Dental exams
    • X-rays
    • Fluoride treatments
    • Sealants

    These services are typically covered at 100% by most United Concordia dental insurance plans. This means that employees can get the preventive care they need without having to pay any out-of-pocket costs.

    Benefits of Preventative Care

    Preventative dental care offers a number of benefits, including:

    • Preventing cavities and gum disease: Regular cleanings and exams can help identify and treat oral health problems early on, preventing them from becoming more serious and costly to treat.
    • Reducing the risk of tooth decay: Fluoride treatments and sealants can help strengthen teeth and reduce the risk of tooth decay.
    • Improving overall health: Good oral health is linked to overall health and well-being. Preventative dental care can help employees stay healthy and avoid serious health problems.

    Making Dental Care Affordable

    Employer-sponsored dental insurance plans from United Concordia are a great way to make dental care affordable for employees. These plans provide comprehensive coverage for a wide range of dental services, helping employees maintain good oral health and avoid costly dental expenses.

    United Concordia’s Dental Insurance for Individuals

    United Concordia offers a range of dental insurance plans designed to meet the needs of individuals and families. These plans provide coverage for a variety of dental services, including preventive care, basic treatments, and major procedures.

    Types of Dental Insurance Plans

    United Concordia offers two main types of dental insurance plans for individuals:

    • Preferred Provider Organization (PPO) plans allow you to see any dentist, but you’ll pay less if you use a dentist in the United Concordia network.
    • Dental Health Maintenance Organization (DHMO) plans only cover care from dentists in the United Concordia network.

    Plan Benefits

    The benefits of United Concordia’s dental insurance plans vary depending on the plan you choose. However, most plans include coverage for the following services:

    • Preventive care, such as cleanings, exams, and X-rays
    • Basic treatments, such as fillings, crowns, and root canals
    • Major procedures, such as bridges, dentures, and implants

    Premiums and Deductibles

    The premiums and deductibles for United Concordia’s dental insurance plans vary depending on the plan you choose, your age, and your location. You can get a personalized quote by visiting United Concordia’s website or contacting a licensed insurance agent.

    Coverage Limits

    United Concordia’s dental insurance plans typically have annual coverage limits. This means that there is a maximum amount that the plan will pay for covered services each year. The coverage limit for most plans is $1,500. However, some plans have higher coverage limits, such as $2,500 or $3,500.

    Waiting Periods

    United Concordia’s dental insurance plans have waiting periods for certain types of services. This means that you must wait a certain amount of time before the plan will cover the cost of those services.

    • Preventive care: There is typically no waiting period for preventive care services, such as cleanings, exams, and X-rays.
    • Basic treatments: There is usually a waiting period of six months before the plan will cover the cost of basic treatments, such as fillings, crowns, and root canals.
    • Major procedures: There is usually a waiting period of 12 months before the plan will cover the cost of major procedures, such as bridges, dentures, and implants.

    Out-of-Network Coverage

    United Concordia’s PPO plans allow you to see any dentist, but you’ll pay less if you use a dentist in the United Concordia network. If you use an out-of-network dentist, you may have to pay a higher deductible and coinsurance. DHMO plans only cover care from dentists in the United Concordia network.

    Customer Service

    United Concordia has a customer service team that is available to help you with any questions or concerns you may have about your dental insurance plan. You can contact customer service by phone, email, or chat.

    How to Choose a Dental Insurance Plan

    Choosing the right dental insurance plan for your needs can be a challenge. Here are a few factors to consider:

    • Your budget: How much can you afford to pay for monthly premiums and deductibles?
    • Your dental health needs: What types of dental services do you need or expect to need in the future?
    • Your preferred type of plan: Do you want a PPO plan that gives you more flexibility or a DHMO plan that offers lower premiums?
    • The availability of dentists in your area: Make sure that there are dentists in your area who participate in the plan you choose.

    Once you’ve considered these factors, you can start shopping for dental insurance plans. You can compare plans from different insurance companies by visiting their websites or contacting a licensed insurance agent.

    Enrolling in a Dental Insurance Plan

    To enroll in a United Concordia dental insurance plan, you can visit the United Concordia website or contact a licensed insurance agent. You will need to provide information about yourself, your dental history, and your family members. Once you have enrolled, you will receive a welcome kit with information about your plan and how to use it.

    Using Your Dental Insurance Plan

    To use your United Concordia dental insurance plan, you can visit any dentist in the United Concordia network. When you visit the dentist, be sure to bring your insurance card with you. The dentist will file a claim with United Concordia for the services you receive. You will be responsible for paying any deductibles or coinsurance that apply to your plan.

    Service Preventive Care Basic Treatments Major Procedures
    Coverage Limit $1,000 $1,500 $2,500
    Waiting Period None 6 months 12 months

    United Concordia’s Dental Insurance for Military Personnel

    United Concordia is a leading provider of dental insurance to military personnel and their families. They offer a variety of plans to meet the needs of military members, from single individuals to families with multiple members.

    Coverage Options

    United Concordia’s dental insurance plans include coverage for a variety of dental services, including:

    • Preventive care (cleanings, exams, X-rays)
    • Basic restorative care (fillings, crowns, bridges)
    • Major restorative care (root canals, implants, dentures)
    • Orthodontics (braces)

    The exact coverage options available will vary depending on the plan you choose.

    Dental Network

    United Concordia has a nationwide network of dentists who have agreed to provide services to their members at a discounted rate. This network includes both general dentists and specialists, so you can be sure to find a dentist who can meet your needs.

    Premiums and Deductibles

    The premiums and deductibles for United Concordia’s dental insurance plans vary depending on the plan you choose and your location. You can get a quote for your specific situation by contacting United Concordia’s customer service team.

    Benefits of United Concordia’s Dental Insurance

    There are several benefits to choosing United Concordia for your dental insurance, including:

    • High-quality coverage: United Concordia’s plans offer comprehensive coverage for a wide range of dental services.
    • Nationwide network of dentists: You can choose from a nationwide network of dentists who have agreed to provide services at a discounted rate.
    • Competitive premiums and deductibles: United Concordia’s premiums and deductibles are competitive with other dental insurance providers.
    • Excellent customer service: United Concordia’s customer service team is available to help you with any questions or concerns you may have.

    How to Enroll in United Concordia’s Dental Insurance

    You can enroll in United Concordia’s dental insurance through your military benefits portal or by contacting their customer service team. You will need to provide your personal information, including your name, address, and date of birth. You will also need to provide your military ID number.

    49. Coverage for Active Duty Military Personnel

    Active duty military personnel are eligible for dental insurance coverage through the TRICARE Dental Program. This program provides comprehensive dental coverage, including preventive care, basic restorative care, and major restorative care. Active duty military personnel do not pay any premiums or deductibles for TRICARE Dental coverage.

    United Concordia is one of the providers of TRICARE Dental coverage. Active duty military personnel can choose to enroll in United Concordia’s TRICARE Dental plan if they wish. United Concordia’s TRICARE Dental plan offers the same coverage as the TRICARE Dental Program, but it also offers additional benefits, such as orthodontic coverage and discounts on dental services.

    TRICARE Dental Coverage United Concordia’s TRICARE Dental Plan
    Preventive care Yes
    Basic restorative care Yes
    Major restorative care Yes
    Orthodontics No Yes
    Discounts on dental services No Yes

    Coverage for Retired Military Personnel

    Retired military personnel are eligible for dental insurance coverage through the Retired Military Dental Program. This program provides comprehensive dental coverage, including preventive care, basic restorative care, and major restorative care. Retired military personnel do not pay any premiums or deductibles for Retired Military Dental coverage.

    United Concordia is one of the providers of Retired Military Dental coverage. Retired military personnel can choose to enroll in United Concordia’s Retired Military Dental plan if they wish. United Concordia’s Retired Military Dental plan offers the same coverage as the Retired Military Dental Program, but it also offers additional benefits, such as orthodontic coverage and discounts on dental services.

    Retired Military Dental Coverage United Concordia’s Retired Military Dental Plan
    Preventive care Yes
    Basic restorative care Yes
    Major restorative care Yes
    Orthodontics No Yes
    Discounts on dental services No Yes

    Coverage for Family Members

    Family members of active duty and retired military personnel are eligible for dental insurance coverage through the TRICARE Dental Family Program. This program provides comprehensive dental coverage, including preventive care, basic restorative care, and major restorative care. Family members of active duty military personnel do not pay any premiums or deductibles for TRICARE Dental Family coverage. Family members of retired military personnel pay a small premium for TRICARE Dental Family coverage.

    United Concordia is one of the providers of TRICARE Dental Family coverage. Family members of active duty and retired military personnel can choose to enroll in United Concordia’s TRICARE Dental Family plan if they wish. United Concordia’s TRICARE Dental Family plan offers the same coverage as the TRICARE Dental Family Program, but it also offers additional benefits, such as orthodontic coverage and discounts on dental services.

    TRICARE Dental Family Coverage United Concordia’s TRICARE Dental Family Plan
    Preventive care Yes
    Basic restorative care Yes
    Major restorative care Yes
    Orthodontics No Yes
    Discounts on dental services No Yes

    United Concordia’s Dental Insurance for Veterans

    United Concordia, a leading dental insurance provider, offers comprehensive coverage options tailored to the unique needs of veterans. Here’s an in-depth guide to their offerings for this valued population.

    Veterans’ Eligibility

    Veterans with any of the following statuses are eligible for United Concordia dental insurance:

    • Honorably discharged veterans
    • Active duty military members
    • Reserve or National Guard members
    • Qualifying family members of veterans

    Coverage Options

    United Concordia offers a range of dental insurance plans designed to meet the diverse needs of veterans. These plans vary in terms of coverage levels, premiums, and deductibles. Key features include:

    • Preventative care (e.g., cleanings, exams, X-rays)
    • Basic restorative care (e.g., fillings, root canals)
    • Major restorative care (e.g., crowns, bridges)
    • Orthodontic care
    • Periodontal treatment

    Network of Providers

    United Concordia has a vast network of dental providers across the United States. This network ensures that veterans have access to quality dental care in their local communities. Veterans can search for preferred providers using the United Concordia website or mobile app.

    Enrollment and Premiums

    Veterans can enroll in United Concordia dental insurance plans through their local VA medical center or by calling United Concordia directly. Premiums vary based on the chosen plan and the location of the veteran.

    Deductibles and Copayments

    Most United Concordia dental plans have deductibles that apply before coverage begins. Additionally, veterans may be responsible for copayments, which are flat fees paid out-of-pocket at the time of service.

    Annual Maximums

    United Concordia dental insurance plans typically have annual maximums, which represent the maximum amount the plan will pay for covered services in a given year.

    Out-of-Network Coverage

    While United Concordia has a wide network of providers, veterans may occasionally need to receive dental care from an out-of-network provider. In these cases, coverage may be limited or subject to a higher deductible.

    Preventive Care Coverage

    Preventive dental care is crucial for maintaining good oral health. United Concordia dental insurance plans typically cover 100% of preventive services, such as cleanings, exams, and X-rays, when performed by an in-network provider.

    Basic and Major Restorative Care Coverage

    Basic restorative care, such as fillings and root canals, is typically covered under United Concordia dental insurance plans. Major restorative care, such as crowns and bridges, may be covered with a higher copayment or deductible.

    Orthodontic Care Coverage

    Some United Concordia dental insurance plans offer orthodontic coverage for children and adults. Coverage may include a limited number of orthodontic procedures or a lifetime maximum.

    Periodontal Treatment Coverage

    Periodontal disease, which affects the gums and surrounding structures, can be treated with a variety of procedures. United Concordia dental insurance plans typically cover periodontal treatment, such as scaling and root planing, with a higher copayment or deductible.

    Dental Implants Coverage

    Dental implants are permanent replacements for missing teeth. While not all United Concordia dental insurance plans cover dental implants, some may offer limited coverage for certain procedures.

    Other Benefits

    In addition to comprehensive coverage, United Concordia dental insurance plans offer a number of additional benefits, including:

    • Vision coverage
    • Hearing coverage
    • Prescription drug coverage
    • Wellness programs

    Additional Resources

    For more information on United Concordia dental insurance for veterans, veterans can visit the following resources:

    Coverage Type Typical Coverage Percentage
    Preventive Care 100%
    Basic Restorative Care 80-90%
    Major Restorative Care 50-70%
    Orthodontic Care Variable (lifetime maximum)
    Periodontal Treatment 50-70%

    United Concordia Dental Insurance: A Professional Perspective

    United Concordia Dental is a reputable dental insurance carrier that offers a variety of plans to meet the needs of individuals, families, and businesses. Their plans provide comprehensive coverage for a wide range of dental services, including preventive care, basic procedures, and major treatments.

    One of the key advantages of United Concordia Dental is their extensive network of providers. With over 140,000 dentists and specialists in their network, you can easily find a qualified dental care provider near you. The company also offers a variety of convenient tools and resources to help you manage your dental health, such as online appointment scheduling, claims tracking, and coverage verification.

    Overall, United Concordia Dental is a reliable and well-respected dental insurance carrier that offers a range of plans and services to meet your needs. Their extensive provider network, convenient tools, and commitment to customer service make them a top choice for individuals and employers alike.

    People Also Ask About United Concordia Dental Insurance

    What types of dental plans does United Concordia offer?

    United Concordia offers a variety of dental plans to meet the needs of individuals, families, and businesses. These plans include traditional indemnity plans, preferred provider organization (PPO) plans, and dental health maintenance organization (DHMO) plans.

    How do I find a dentist in the United Concordia network?

    You can find a dentist in the United Concordia network by using their online dentist directory. The directory allows you to search for dentists by location, specialty, and language. You can also filter your search results by criteria such as hours of operation and accepts new patients.

    How do I file a claim with United Concordia Dental?

    You can file a claim with United Concordia Dental online, by mail, or by phone. To file a claim online, you will need to create an account on the United Concordia website. To file a claim by mail, you can download a claim form from the United Concordia website and mail it to the address provided. To file a claim by phone, you can call the United Concordia customer service number listed on your dental insurance card.