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United Concordia Dental Insurance Review

49 Customer Comments & Reviews - see all comments
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United Concordia is an Atlanta-based dental insurance company with 40 years of experience in the industry. They offer customizable coverages for businesses and a broad range low-cost dental insurance plans for individuals and families. United Concordia maintains a network of 97,300 dentists and provides 24/7 customer service along with convenient online tools and apps.
 
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United Concordia Brings you Experience

United Concordia is an established company with over 4 decades of experience in providing quality dental insurance in the country. They offer flexible plans and provide above average discounts on dental treatments and services. The company also especializes in group dental insurance a big plus for employers.

 

What's Included with United Concordia?

Provide several dental coverage options—not just discounts

Pay up to 100% of preventive dental care

Don't include waiting periods for diagnostic or preventive dental services

Allows you to visit any dentist but better savings could be made with network dentists

 

 

Plan Reviewed

IND 401

How much does it save you?

Preventive 100% (no waiting period)

Basic 80% (6-month waiting period)

Major 50% (12-month waiting period)

Premium

Sample computation (California)

Premium for Self $37.05/mo

Self plus one $74.14/mo  

Self and family $111.24

Annual Maximum

$1500

Treatments Covered and Reimbursements

Good buy with all services having good discounts

 

Fine Print

The percentage in the Policy Pays column is the percentage of the policy’s maximum allowable charge that the policy will pay for covered services provided by either a participating dentist or a nonparticipating dentist.

Participating dentists accept the maximum allowable charge as payment in full. 

Nonparticipating dentists may bill you for the difference between their charge and the maximum allowable charge paid by the policy.

Dependent children are eligible to age 26 in all states.

 

Summary

United Concordia offers flexible plans and do provide considerable discounts. Finding a dental insurance policy that suits your needs would not be difficult and their customer services will always be there to help. However, it does not provide the same network of dentists as seen with Delta Dental.

 

 

 

 

 

 

 

 

 

 

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49 Customer Comments & Reviews

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D
Disgruntled i
9/15/2024
I can't get in to see any dentists in my area because they either don't take United Concordia, or they are no longer accepting patients with this insurance. I need a tooth extracted that is infected and I had to spend 3 hours on the phone to find a dentist. I now have to wait several weeks and drive two hours away. This is clearly not a company that any good dentist wants to contract with. My employer should seek a different company.

E
Ed
1/12/2024
HORRIBLE. I had REAL dental insurance through my employer and it was fine. After retirement, I went with United Concordia. HUGE mistake. Their Number One priority is to deny, deny, deny and then treat you in an insulting manner. Even my dentist told me (too late) that they are the worst.

D
David
9/4/2023
Horrid. My wife and I have dental (reimbursement only) through Highmark Medicare Advantage plans. Highmark recently contracted with United Concordia to administer their dental benefits. Previously, submission for reimbursement was simple. With United Concordia, good luck! First submitted online. Got no confirmation. When checking status 6 weeks later, was told they had no record of it, and that submissions could not be done online (even though the option was provided). So I downloaded the form, which asks for a ridiculous amount of detailed information from the dentist. The customer service rep at United Concordia told me that since it was for a routine exam and cleaning, just... Read More

J
Jodi
7/24/2023
NEVER USE THEM! They take advantage and rob vets of hundreds of dollars due to accounting issues on their own end. Its disgusting, stay away!

dawn.lightmd
7/10/2023
United Concordia suddely went out of network with my dentist of 20 years and I am stuck with this program for 6 months. Before that, they refused complete repair of a broken tooth despite multiple failed repairs. Do not choose this provider.

srogers
5/31/2023
Their customer service is the worst! Just try to get a card off of them. You use the website. It doesn't work. It keeps saying it is sending an activation that never arrives (I checked my spam). Then you send a contact form and someone sends you an email saying you have to call. You call and you can't get through because you don't have a "provider number." It's the biggest runaround. If you have days to waste, they might be okay, but if you actually have other things to do, I wouldn't recommend their insurance.

Drema B
2/22/2023
United Concordia reimbursements are ridiculous. They will not accept an assignment of benefits if a dental office is not in network so checks are sent to patient. I do not agree with this because it is forcing patients to go to someone in network that the patient may not get the same quality of care. Changes need to be made with United Concordia to stop insurances companies from doing this. A patient should be allowed to go to whichever dental office they want to without being forced to go to a dental office they may not want to go to.

Sue P
2/13/2023
The reimbursement for dental costs are ridiculous. Checks aren't sent directly to the dentist and the checks are a problem when attempting to mobile deposit. Banks have indicated it's United Concordia's problem. If going to an out of network dentist, the amount of money reimbursed is so minimal that it's not worth it. Very disappointed in United Concordia - my dentist stopped honoring them.

B
Bob
2/12/2023
If you get your insurance through OPM I would think twice about using United Concordia. I made the mistake of switching to them in the 2021-22 open period. I had another insurance provider up until then an there was never any problem in them paying for crown work I needed. This past year United Concordia has denied everything. They use there own dentists, on their payroll, to review the claim and the policy is to deny, deny, deny. I am hit with over a $2500 bill for work needed. I would avoid United Concordia and think OPM should drop them. I am now on my second appeal and It looks like I will have to hire a lawyer to sue them. They definitely give insurance companies a bad name.

Nathan D
10/12/2022
Website is absolute garbage. Got a bill in the mail and cant even log in to my account on their website to pay it.

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