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United Concordia Dental Insurance Review

48 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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48 Customer Comments & Reviews

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skceiw
2/24/2022
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

gdardis70
12/16/2021
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

raging.anderrob
6/28/2021
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.

G
Glenn
5/31/2020
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

F
Fred
7/20/2019
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.

C
Carol S
7/11/2019
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.

kgreenman21
5/20/2019
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?

L
louanne k
5/16/2019
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

Jacqueline S
3/15/2019
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

Sharon M
2/27/2019
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.

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