Dental Insurance with United Concordia

Dental health should be a priority for every individual. It is essential to care for our teeth and gums to prevent diseases and maintain good oral health. However, dental care can be expensive, and not everyone can afford it. This is where dental insurance comes in handy.

One of the leading dental insurance providers in the country is United Concordia. They offer a variety of dental insurance plans to cater to the needs of different individuals and families. In this article, we will discuss everything you need to know about dental insurance with United Concordia.

Who is United Concordia?

United Concordia is a dental insurance company that provides coverage to millions of individuals and families across the country. They have been in the industry since 1975 and have established themselves as one of the top dental insurance providers in the United States.

The company is headquartered in Harrisburg, Pennsylvania and has a vast network of dentists and dental clinics all over the country. They offer a variety of dental insurance plans, including PPO, DHMO, and Indemnity plans.

What are the different dental insurance plans offered by United Concordia?

United Concordia offers three types of dental insurance plans:

Let’s take a closer look at each plan type:

PPO

The PPO plan is a popular choice for many individuals and families as it provides flexibility and choice. With this plan, you have the freedom to choose your dentist, and you are not required to get a referral to see a specialist.

Under the PPO plan, you will have a deductible and coinsurance, which means you will have to pay a certain amount out of pocket before your insurance coverage kicks in. The amount you pay for deductibles and coinsurance will depend on the specific plan you choose.

DHMO

The DHMO plan is a more affordable option, and it is ideal for individuals and families who prioritize cost savings over choice. With this plan, you will have to choose a primary care dentist, who will be responsible for your dental care.

Under the DHMO plan, you will not have a deductible, and you will only have to pay a copayment for each dental service. However, you will be limited to the dentists within the network, and you will need to get a referral from your primary dentist to see a specialist.

Indemnity Plan

The Indemnity plan is a traditional fee-for-service plan that provides the most freedom and flexibility. With this plan, you can choose any dentist you want, and you don’t need a referral to see a specialist.

Under the Indemnity plan, you will have a deductible and coinsurance, and you will be responsible for paying the difference between the fee charged by your dentist and the amount covered by your insurance.

What are the benefits of having dental insurance with United Concordia?

Having dental insurance with United Concordia comes with numerous benefits, including:

• Access to a vast network of dentists and dental clinics
• Multiple plan options to choose from
• Coverage for preventive care, such as cleanings and check-ups
• Coverage for basic and major dental services, such as fillings, extractions, and root canals
• Coverage for orthodontic treatment, including braces and Invisalign
• Cost savings on dental services

Do United Concordia dental insurance plans cover pre-existing conditions?

Yes, United Concordia dental insurance plans cover pre-existing conditions, but there may be a waiting period before coverage kicks in. The waiting period will depend on the specific plan you choose.

Do United Concordia dental insurance plans cover cosmetic dentistry?

No, United Concordia dental insurance plans do not cover cosmetic dentistry. Cosmetic dentistry is considered elective and not medically necessary, so it is not covered under dental insurance.

Final Thoughts

Dental insurance is an essential aspect of maintaining good oral health. With United Concordia, you can enjoy a variety of dental insurance plans that cater to your unique needs and budget. Whether you choose the PPO, DHMO, or Indemnity plan, you can be assured of access to a vast network of dentists and cost savings on dental services. So, if you are looking for dental insurance, consider United Concordia for your dental care needs.