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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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StaceyStaceyStacey
1/22/2019
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.

Michelle D
1/22/2019
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.

Ethan V
1/18/2019
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.

W
William O
12/22/2018
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

Jujubee B
10/3/2018
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.

M
Maria
9/5/2018
United Concordia is by far the worst insurance company I have ever worked with. I deal with dental insurance on a daily basis and it is terrible how they treat their clients. The deny claims over and over again, regardless if its in the best interest of the patient.

L
L C
8/16/2018
United Concordia sucks. I wouldn't recommend this company to anyone. Had to to have emergency surgery, took them months to review and then they denied it. Dropping them fast and reporting their company to the Better Business Bureau.

K
Kendall M
5/23/2018
United Concordia screwed me over. I called and spoke to a rep and asked very specific questions regarding coverage and limitations prior to making my dentist appointment. The rep put me on hold to confirm the answer then can back and told me the answer. I made an extensive dental plan based on that info she confirmed and after my first treatment it was discovered that they gave me the wrong info. I asked to listen to the call, they told me no. They have taken zero responsibility for their mistake and ultimately I am the one getting screwed over. Big business versus what is morally right. How about United Concordia needs to hire employees that give correct info to their customers or they... Read More

R
Robert M
2/20/2018
Run away as fast as possible from United Concordia for dental coverage. We have been insured by United Concordia for over 20 years. This is not the same company today as it was in the past. I had a crown done by a specialist, because the cusp was broken off and it was cracked almost to the pulp. It was clearly justified, and United Concordia denied payment for the work twice, saying it should have just received a basic filling. How absurd. In reading review online including the Better Business Bureau, this is the new normal for United Concordia- reject customer claims and provide no payment for dental work. Shame on you United Concordia, you were better than this. No more.

M
maryanne
1/11/2018
my insurance was cancelled and I owed money, was trying to pay but in 2018 they do not offer online bill pay and my CONCERN was the bill stated to make the check payable to "cashier" and mail to a p.o box, a little sketchy for me...bought a money order instead, not risking my identity stolen by this "cashier"

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