United Concordia Dental Insurance
United Concordia has over 40 years of expertise providing dental insurance. They help almost 7.5 million members nationwide access excellent dental health care. There are more than 97,000 dentists available at 302,000 access points via United Concordia. Members choose from flexible dental coverage options, and can customize an affordable dental plan for themselves and their families. Employers can also design dental plans for their business.
Members have 24/7 access to user friendly online tools to manage their plans without hassle. The online tools include My Dental Benefits and iDental billing, along with mobile apps that put access to benefits at your fingertips. United Concordia plans are easy to administrate for employers and dentists, via online tools and accessible customer service.
It's a snap to enroll with United Concordia dental Insurance. Look over the choices online, choose a plan and request a quote. Customer service representatives can field your questions, as they are well versed in the all the policy choices and coverages. They can also help with choosing a dentist and navigating the claim process. Patients can access the plan anytime from their computer, tablet or smart phone.
Online Account Access
Once you are enrolled, you can sign into My Dental Benefits online anytime to view your plan. It's easy to take a look at who is covered under the plan and to see the status of your claims.
Members can choose either a Dental Health Maintenance Organization (DHMO) or Preferred Provider Organization (PPO) plan.
The PPO plan offers a range of covered services. It includes a coinsurance for most services, where you pay a percentage of the cost of the service. There is no co-pay for most preventive care services. Normally there is a cap on the amount your plan will pay each year. Typically a PPO plan has an annual deductible amount that members must pay before the plan kicks in and pays. Members can see the dentist of their choice, but can save money by using a dentist in the United Concordia Network.
What do DHMO plans offer?
The focus is on covering preventive dental care. Members usually make a co-payment for each service, but most plans do not require co-payments for preventive care. There are no maximum payouts per year, and no deductibles. You are required to use a Concordia Plus general dentist to receive coverage. If you already have a dentist who is not available through your DHMO plan, ask them to refer you to a dentist who is part of Concordia Plus.
The iDental Discount Plan
This plan provides savings on dental care, but is not dental insurance. There are no maximums, paperwork or deductibles. You show your discount card to a Concordia Advantage network dentist to get the discount. When you book your appointment, be sure to ask if they are a member of the Concordia Advantage network. Get a quote on the service you need and ask what the discount will be.
In cases where the cost of service is more than $500, it is of particular importance to discuss the price ahead of your visit. You want to be sure you are covered, and also you want to be prepared for how much you will be required to pay out of pocket.
Canceling Your Plan
Coverage that comes via your employer is year-to-year, meaning that you must enroll again on a yearly basis. The easiest way to cancel is to not re-enroll when the year is up.
Fees and Claims
It's not surprise that the cost of dental care can add up quickly, and some of us delay visits for this reason. It's important to visit a dentist for regular cleanings and checkups to prevent tooth decay and keep an eye out for serious dental problems. United Concordia dental insurance helps with affordability. Whether you need a routine cleaning or have a dental emergency, they can cover at least part of the expense.
The cost of your plan depends on a variety of factors, including which plan you choose and how many family members are included in the plan. As an example, a United Concordia plan in California costs under $40 per month for an individual. A second person can be added to the plan raising premium to about $75 per month, and a family can be covered at about $111 per month. Such a plan would pay up to 100% of preventive dental care. Note that this is one sample and many variables can affect the quote you get on dental insurance from them.
United Concordia negotiates discount fees or maximum allowable charges with their network of dentists. This is why it's better to visit dentists in their network with this insurance product. Non-network dentists are not beholden to the negotiated fees. Both network and non-network dentists will bill for co-payments and deductibles as per the details of coverage provided in your plan.
When you visit a United Concordia network dentist, they file your claims for you. Dentists out of the network may request that you file and submit your own claims. Visiting a non-network dentist may require paying the whole fee at the time of service. It is to members advantage to use dentists within the insurer's network. It's easy to check the status of your claims by signing into My Dental Benefits at the website.
Most typical questions, concerns and problems about your United Concordia dental insurance can be handled with a visit to the FAQ page of their website. Email and phone support is available when you need to contact a customer service representative. Some independent consumer reviews cite problems with claims, while others have been satisfied with customer service. Persistence pays when calling customer service. Rather than navigating automated phone prompts, try calling back until you reach a representative.
Verdict - Good
A range of flexible dental care plans are available from United Concordia providing considerable discounts on dental care. They are strong on providing preventive dental coverage, and if you are willing to use a dentist from their network. Most people can find a plan that is well suited to their needs. If you have a dentist you want to stay with, check to see if they are a member of the United Concordia network prior to signing up.