- 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)
United Concordia Dental Insurance Review
48 Customer 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.
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.
- 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
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.
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
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!
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.
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.
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.
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.
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.
Website is absolute garbage. Got a bill in the mail and cant even log in to my account on their website to pay it.
United Concordia is behind on payments to dentists in Delaware and dentists will not take new patience using United Concordia because United Concordia had failed to follow through with payments. Why am I paying for this insurance? Military dependents cannot rely on United Concordia to take proper care of them. Our experience and our friends experience with United Concordia has been extremely disappointing. I used the United Concordia dental list to find dental offices taking new patience. I called 11 dental offices and non of them were taking new patience. United Concordia has not updated their list, and their neglect wasted my time. I contacted untied Concordia and they didn't listen... Read More
United Concordia is the most disreputable dental insurance company I have ever encountered. Their coverage certificate states that crowns are covered one per tooth every five years. However, if you have a crown placed on the first date of service, then replaced two years later, then again six years after the first date of service, they will not only deny the second date of service (as expected) but also the one six years after the first, stating that this service was only four years after the second (which now becomes the original date of service), even though the second service was denied. What this means is that you could have crown replaced every four years and never have any paid for... Read More
Absolutely horrible dental insurance company between the horrible dental office workers who can’t seem to process themselves out of a paper bag with a hole in it to United Concordia who must hire dental professionals with no common sense to review your dentist request for a much needed procedure in my case a (crown) forget it they DENY,DENY,DENY and now Im forced to only be able to eat on one side of my mouth… issue for me is previous dentist drilled too big of a filling hole in my tooth and my new dentist can’t remove and replace filling (build it up) because it would destroy whats left of the tooth which is cracked all to hell and I can’t chew on that side …. What a waste of money on... Read More
I'm going to stop even trying to have this "insurance" company pay for anything. It's a worthless benefit from my employer. They will fight to the bitter end to pay anything. One claim I had to urge my dentist to keep sending them information over the course of an entire year. They did cave in the end - but that just showed me that their standard practice is to reject, reject, reject without even taking merit of the claim into account. Just not worth the frustration and time involved trying to get them to pay. "10 best dental insurance" company? If that's so than this is the worst industry in America.
I have United Concordia through FEDVID, lately I have not been very happy with the coverage it provides. My daughter is a heart baby and have some special dental needs that cannot be taken care of at just a regular dentist. Most of the expenses for her procedures comes out of our pocket and it is not cheap. Looking at getting a different dental insurance for special care children and for family. Would anyone have any recommendation for a good plan that provides cheaper out of the pocket cost for in network and out of network provider? Thank you.
Glenn
Huge mistake signing up with United Concordia through FEDVIPS. I will NOT renew with them.
Locally, many dentists, when they discover that your plan is United Concordia, want cash up front for the entire procedure because United Concordia has such a high claim denial rate (even after appeals) and is such a low pay. My non-network dentists' office was apologetic about up-front payment, but indicated that their denial percentage was in the low single digits with ALL other insurers but double digits with United Concordia.
OBTW, their reimbursement rate for a crown in this area is less than 25% of the average cost.
United Concordia is a complete rip-off. They refuse payment, even if an oral surgeon feels the treatment is necessary. Unfortunately, we’re stuck with this crap plan until the next open season.
AVOID UNITED CONCORDIA. I would give them zero stars, if I could.
Pretty sad that service members are stuck with this garbage. The max annual benefit is $1500 which really doesn't cover anything major. I just found out that federal employees have a huge selection of quality providers and plans through BENEFEDS and most of plans have high and no annual maximums. Why hasn't this been opened up to military personnel?
This is worse dental insurance you could imagine!!!!! I had high option dental insurance with them and was stuck with a $1000.00 bill for a much needed crown. Multiple calls, delays and got no where with them. My dentist tried to talk to them and said, regardless of what he said, the dentist working for concordia would not listen and repeated said over and over, my crown was not covered. They were so bad that my job did not continue contract with them. Fought it for over a year. Per the NC Insurance board, one tiny phrase hidden in their document stating, that their decision prevails over any other dentist recommendations, doesn't matter how many other dentists agree you need the... Read More
United Concordia is a waste of money. I read the reviews and I agree with everyone that was written. What does that say about the company?!! The dentist who reviews the pre-authorization is a man who hides behind the customer service reps. You can't talk to him and can't get his name. United DENIES all pre-authorizations and the coverage amounts are so freaking low that it your out of pocket costs are very high. WORST dental company out there, can't wait to cancel my insurance.
I
United Concordia is a very greedy company. They just lowered their fees that they pay Dentists. Their payments to The Dentist are very unfair and so low as to be ridiculous. We are signed up with them till next December. We will be getting off this plan then. We just wish we could get off now. They also didn’t lower the monthly fee the customer pays to them. I wish all Dentists would not accept their terms and get out of network with United Concordia. We think Dentists deserve fair payment for their services and this company is not fair. We will be self insuring ourselves as We believe Dentists deserve fair payment for their services.
They pay out the bare minimum and we get a surprise bill in the mail. The fact that the military went with this hot pile of trash speaks volumes about the lack of quality they think we rate. I'm a veteran and my husband is active duty. I'm getting so tired of this company doing the bare minimum.
Worst customer service of them all...I had MetLife and changed to United Concordia Premium because it was a little less expensive...I regret that choice more than you can imagine.
I have been trying for over a week to make a simple birthdate change to my son's record. I have spent over 3 hours on hold, transferred, and disconnected with NO RESOLUTION to my problem.
I hate this insurance company. Worst company ever. The way they word everything it makes it seem like its a really good plan to have them. But then there are a bunch of catches and very specific details that you can't possibly fall into. Turns a typically cleaning that they should cover a minimum of 80% and they only play 40%. According to our family dentist they are a pain to work with as well. Wife had a dental appointment 7 months ago and its still not paid. Stay away.
I have been a dentist for 17 years and they are by far the worst dental insurance company around. They screw the patient and the dentist on a regular basis. It is a disgrace that they are the insurance that our military members are stuck with
I have a tooth that is cracked down the center, documented by a photograph by my dentist. They refused to cover the cost of a crown because they said it wasn't caused by decay. I can't remember the exact term but I had to pay the entire cost out of my pocket. I asked my dentist if I should change companies and he said they're pretty much all the same. I want to call them an ugly word.