Dental

United Concordia offers an extensive dental plan network and competitive employee premiums. The benefits for the United Concordia Base Plan, Core Plan, and Buy-Up Plan are very similar to the existing plan options. All plans include 100% coverage for preventive care, with two cleanings every 12 months and no deductible. The Base Plan features the lowest premiums and covers preventive and basic services, with a lower annual maximum. The Core Plan has higher premiums and a higher annual maximum, but does not cover orthodontics. The Buy-Up Plan is the most comprehensive, offering the highest annual maximum and orthodontic coverage for dependents to age 19. Dependent children can be covered up to age 26. 

 

Premium Information

Important Documents

The United Concordia Dental Elite Plus plan offers coverage both in and out of network, but you’ll get the most value from your benefits by visiting United Concordia Elite Plus dentists. We encourage you to choose a participating provider to minimize out-of-pocket costs and help control the plan's long-term expenses. To find in-network providers, visit the United Concordia website and select the Elite Plus Network. You can also download their secure mobile app for easy access to provider information.

 

 

Below is a benefit summary of your annual deductible and coinsurance costs.

United Concordia Elite Plus Base Plan Core Plan Buy-Up Plan
Calendar Year Deductible
$50 Individual | $150 Family $75 Individual | $225 Family $75 Individual | $225 Family
Type A - Preventive Services (Deductible Waived):
Cleanings and exam
Plan pays 100% Plan pays 100% Plan pays 100%
Type B - Basic Services (After Deductible):
Fillings, simple extractions, X-rays, and more
Plan pays 80%,
after deductible
Plan pays 80%,
after deductible
Plan pays 80%,
after deductible
Type C - Major Services (After Deductible):
Oral surgery, implants, crowns, and more
Not Covered Plan pays 50%,
after deductible
Plan pays 50%,
after deductible
Type D - Orthodontia; up to age 19 (After Deductible):
Not Covered Not Covered Plan pays 50%,
after deductible
Orthodontia Lifetime Maximum
Not Covered Not Covered $2,500 per person
Annual Maximum (per person)
$500 per person $1,250 per person $1,500 per person

Important Notes


  • No age limitations for coverage, with the exception of orthodontia coverage for the Buy-up Plan which is up to age 19.
  • The deductible is waived for preventive services. The plans have different annual maximum benefit amounts. 
  • One member ID card will be issued per family.

Claims Process


In-Network

  • Participating United Concordia Elite Plus dentists file the claim and accept payment from United Concordia.
  • Employees should not need to pay at the time of service for participating providers.          

Out-of-Network

  • For out-of-network dentists, if the dentist does not agree to file the claim as out-of-network with United Concordia, employee pays at the time of service and files a claim for reimbursement.
  • The plan reimburses at the 90th percent of Usual and Customary (U&C) for out-of-network providers.  Charges by out-of-network providers that exceed U&C are the member’s financial responsibility. (Member pays the difference between the actual charge and the plan’s U&C reimbursement level.)

Find a Dentist Tool


Effingham County School employees can now easily find in-network dentists with the United Concordia Dental Find a Dentist tool. Whether you're at home or on the go, this simple search tool makes it fast and convenient to locate nearby providers, ensuring you receive quality dental care when you need it most.

Discounts for Non-Covered Services: United Concordia PPO members have access to networks that offer discounts for services, whether they are covered on the dental plan or not.  To locate participating dentists, look for the green $ave! icon in the Find a Dentist tool on UnitedConcordia.com.

MyDentalBenefits account


Stay informed about your dental coverage with a MyDentalBenefits account. With this account, you can:

  • View coverage details.
  • Check claims and payments.
  • Print additional ID cards.
  • Access other helpful tools.

Setting up your account is easy! After your plan's effective date, visit UnitedConcordia.com/GetMDB to get started. You’ll need your Social Security Number or Member ID to complete the setup.

For quick access, simply scan the QR code below.

My Dental Assessment


My Dental Assessment is available to all enrolled members. This online tool helps you identify oral health risks and understand how your lifestyle and medical conditions may affect your oral health. After completing the assessment, you can print it out and bring it to your next dental check-up to discuss any concerns with your dentist or hygienist. Start your assessment today at www.unitedconcordia.com/GetMDB.

Pregnancy Benefit


Taking care of your dental health is especially important during pregnancy, as hormonal changes can increase the risk of gum disease. To support you during this time, the Pregnancy Benefit provides extra dental coverage to help prevent or control periodontal (gum) disease—at no additional cost to you.

By enrolling in this benefit, you are eligible for:

  • One extra cleaning, covered at 100%.
  • Full coverage for necessary treatments to manage gum disease, including deep cleaning procedures and up to four periodontal surgeries, all covered at 100%.

Ensure your dental health stays a priority during this important time by registering for the Pregnancy Benefit. Click here to learn more. 

College Tuition Benefit


As a United Concordia Dental plan member, you not only protect your oral health but can also ease the financial burden of college tuition with the College Tuition Benefit® savings program. This unique feature helps you and your family save on education costs by earning Tuition Rewards® points, which can be redeemed for tuition discounts at over 400 private colleges and universities nationwide. Visit the Resources page to learn more. 

Chomper Chums®


Make brushing, flossing, and rinsing fun for kids with our Chomper Chums® app! This engaging app helps your child:

  • Use a timer to brush for the recommended 2 minutes
  • Master proper brushing and flossing techniques
  • Discover the importance of healthy eating

Download Chomper Chums® today from the Apple App Store or Google Play!