2025 Dental

For 2025, your dental coverage will be provided by United Concordia.  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 PDP 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. 
  • Pregnancy Benefit: Expectant mothers receive one additional cleaning fully covered, along with any necessary procedures to treat or manage gum disease, also covered at 100%. Click here to learn more. 

Claims Process

IIn-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.

Access your Digital Member ID Card

You can easily access your dental plan details from anywhere. Just download your UCCI digital member ID card on your phone, tablet, or computer. 

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 or click on the flyer below to learn more. 

Non-Medical Enrollment and Questions:
(844) 249-3273

Medical Enrollment and Questions:
(800) 610-1863

General Questions:
help@effinghamschoolsbenefits.com

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