United Concordia Dental Insurance Review

15 Customer Reviews - see all reviews
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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.

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)


Sample computation (California)

Premium for Self $37.05/mo

Self plus one $74.14/mo  

Self and family $111.24

Annual Maximum


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.



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.











Top Rated
Our Partner
9.8 / 10
  • Unlimited Use
  • Pre-Existing Conditions Included in Plan Savings
  • Plans Start at $99/Year for Discounted Rates on Dental Procedures
  • 100,000+ Dental Access Points Nationwide
  • A+ Grade with the BBB
  • Voted #1 in Ethics by Dallas Morning News
  • Discount Dental Plan (Not Insurance)

Latest United Concordia Reviews

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Greenville, North Carolina

I had high option dental with United Concordia. my job switched thank god. they denied payment for a crown that 2 dentists recommended. tooth had multiple fractures and another filling was not recommended. they repeatedly denied due to there not being appropriate X-rays sent, documentation, then told dentist that periodontal disease was not addressed. all documentation WAS sent over and over and I have never had periodontal disease. after 8 months of not responding I reported to NC insurance board, Pennsylvania insurance board where they live. today I get another denial. I feel so taken advantage of. they are fraudulent. someone has to stop this. please people report, report,... Read More

Amy E
Buffalo, New York

We were pre-approved to go out of network for orthodontic care for my son. We live in New York but my husband works in Pennsylvania. We were never told we could not go out of state for treatment. He has been seeing the same orthodontist for several years. Now that my son is ready for braces United Concoria is denying coverage. Apparently for 6 years we were supposed to see a orthodontist in Pennsylvania. This was never mentioned until we asked for treatment. United Concordia is a ripoff and not worth anybody's hard earned money.

JOdie S
Wickliffe, Ohio

I would never recommend United Concordia as a dental provider. I wish I had read more of these reviews before switching to this provider. Claims are denied on no basis whatsoever. My husband changed jobs and we were told his coverage was effective through the last day of the month. We had an appointment on the last day of the month and the claim was denied by UC stating no coverage in place. When I called to inquire, they told me coverage had ended on the last day of the month, which I agreed to. I told them the claim was on 7/31, which was the last day of the month. They informed me that coverage did not last through the end of the day and was terminated at 12:01 AM on July 31st... Read More

Joni H
Fullerton, California

The deny claims for legitimate work that was needed. I imagine that LAUSD went with them because they probably have lower premiums due to the fact that they pay out very little.

Lisa L
, California

Terrible dental insurance. They deny predetermination claims without taking into consideration the opinion of a qualified and certified doctor. Their staff thinks they are more qualified to make decisions regarding the health of your teeth than your own doctor does. I would not recommend this insurance to anyone. I will be changing insurances as soon as I can.

H. S
Leesburg, Virginia

I selected United Concordia (UC) through FEDVIP based upon my new Dentist's recommendation since the UC documents show they may pay 10% more than other companies (such as Delta Dental or Aetna (which I previously had, but had to change due to my geographic relocation) based on similar procedures. On one instance, a previous root canal had failed causing an infection whereby my General Dentist recommended Endodontic Retreatment. Upon undergoing retreatment at a non-plan endodontist, the endodontist had to stop A $1027 retreatment because he encountered a vertical root fracture that could not be repaired and recommended extraction at a final cost of $450. For the incomplete procedure. I... Read More

Chris L

We used this company for two years. They were very difficult to deal with. The Dental Office actually winced when we told them who our insurance company was. They did not get a single claim correct the first time and we had to re-submit every time. The worst part was when we moved overseas. They miscoded the Italian dentists procedure and thought we had a tooth extracted. Instead we had a crown put in. We sent it back the first time and they came back and said we owed them money. The Italian dentist included two line items: 1 to remove the filling and the second to put on the crown. United Concordia decided that the first part of the crown procedure is an unlisted procedure... Read More

Carol S
Newtown, Pennsylvania

I had a claim denied for a crown on a tooth that had a huge crack and a filling on the other side. United Concordia "independent" reviewers admitted they saw the crack,but would not even listen to my dentist. Not to mention the fact that they did not always tell the truth in this process. Their suggestion was that I switch dentists or ask for a discount. My suggestion is that they pay for legitimate claims.

Robin J
Ambridge, Pennsylvania

If I could give them zero stars I would. Some of the worst customer service I have ever experienced in my life. I also agree with the previous post that I get a different answer every time I call and they deny any claim that isn't a tooth cleaning. I recently had a claim denied because it was similar to a procedure that I had a month earlier. In no way is a cleaning the same as a scaling, but they think that they are the same and I was actually told by the representative that they do this to protect me. When I asked how is it protecting me by not paying my claim, which I had already paid the dentist for, because my dentist refuses to deal with United concordia directly, I was told it's... Read More

Stella D
Virginia Beach, Virginia

Got to be the most incompetent people working here. Every time we call we get a different answer. Customer service at it's absolute worse with unknowledgeable people. I can't believe I paid for this coverage. What's worse is they just don't care.

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