United Concordia offers a variety of affordable, research-driven dental plans that deliver quality dental care in your community. They also feature one of the largest networks in the nation and provide some of the deepest in-network discounts for lower out-of-pocket member expenses.
You’ll receive vision discounts from both private practice ophthalmologists and optometrists, as well as regional and national retailers. And the company’s Tuition Rewards® program allows you to earn points that can help make higher education more affordable. You can even save on Sonicare electric toothbrushes and air flossers for adults and kids.
To get started, you need to follow three simple steps on United Concordia’s website:
Together, United Concordia protects more than nine million mouths and has offered affordable dental coverage for more than 45 years.
Should you sign up with United Concordia? Let’s help you find some actionable answers by taking a closer look at each of their plans.
United Concordia offers a total of seven dental plans. Here are their details:
The Concordia Flex Passive PPO plan features the same in and out of network percentages and a large selection of designs and options that can cover things like orthodontics, temporomandibular joint dysfunction, and implants.
With this plan, you have the freedom to obtain care from any licensed dentist and achieve significant cost savings, with no claim forms to fill out.
With the Preferred Active PPO plan, you’ll also have the freedom to obtain care from any licensed dentist, although you’ll achieve better discounts when visiting an in-network provider.
The plan focuses on providing coverage for diagnostic, preventive, basic, major, and orthodontics services.
Available in High and Standard options, United Concordia’s Federal Dental (FEDVIP) plan features no deductible, free in-network diagnostic and preventive care, no waiting periods, and coverage for intermediate, major, and accident services. And all of this at affordable rates.
Here’s a comparison:
| Annual Maximum | Dental Implant Annual Max | Orthodontic Lifetime Max | |
| High Option Plan | Unlimited | $2,500 | $3,000 |
| Standard Option Plan | $1,500 | N/A | $2,000 |
United Concordia’s basic Value PPO Plan 1 is designed for younger individuals and those in good oral health and includes preventive coverage and discounts for unexpected basic and major dental services. And all of this while remaining easy on the wallet.
This low-cost option provides preventive, basic, and major dental coverage, along with “improved benefits for people with certain chronic conditions to better treat gum disease.” You’ll also experience lower coinsurance levels and a moderate premium.
If you’re cost-conscious and don’t need extensive oral care, the Value PPO Plan 3 features a low deductible, along with coverage for preventive and basic services for adults and children.
Concordia United’s Value PPO Plan 4 provides “broader coverage for preventive, basic, and major services such as fillings, extractions, and crowns.” Together, the plan is ideal for those with certain chronic conditions, such as gum disease.
Here’s a quick table outlining the similarities between each United Concordia Value plan:
| Value 1 | Value 2 | Value 3 | Value 4 | |
| Covered Services | 100% Oral Evaluation Cleanings X-rays Fluoride Treatments Sealants Consultations Palliative Treatment (Emergency) Space Maintainer | 80% Oral Evaluation Cleanings X-rays Fluoride Treatments Sealants Consultations Palliative Treatment (Emergency) Space Maintainers 50% Silver and White Fillings Simple Extractions General Anesthesia, Nitrous Oxide and/or IV Sedation Repairs of Crowns, Inlays, Onlays Repairs of Bridges & Dentures 20% Endodontics (Root Canals) Surgical and Non-Surgical Periodontics Periodontal Maintenance Oral Surgery Crowns, Inlays, Onlays Bridges, Dentures | 100% Oral Evaluation Cleanings X-rays Fluoride Treatments Sealants Consultations Palliative Treatment (Emergency) Space Maintainers 50% Silver and White Fillings Simple Extractions General Anesthesia, Nitrous Oxide and/or IV Sedation Repairs of Crowns, Inlays, Onlays Repairs of Bridges & Dentures | 100% Oral Evaluation Cleanings X-rays Fluoride Treatments Sealants Consultations Palliative Treatment (Emergency) Space Maintainers 50% Silver and White Fillings Simple Extractions General Anesthesia, Nitrous Oxide and/or IV Sedation Repairs of Crowns, Inlays, Onlays Repairs of Bridges & Dentures 20% Endodontics (Root Canals) Surgical and Non-Surgical Periodontics Periodontal Maintenance Oral Surgery Crowns, Inlays, Onlays Bridges, Dentures |
| Waiting Periods | None | |||
| Annual Program Deductible | $0 | $100 per person/$300 per family. Excludes services covered at 80% | $25 per person/$75 per family. Excludes services covered at 100% | $100 per person/$300 per family. Excludes services covered at 100% |
| Annual Program Maximum | $1,000 | |||
| Additional Benefits | Smile for Health–Wellness | Smile for Health–Wellness | ||
| Benefit Options | Orthodontic Coverage Plan pays 50% with $1,000 lifetime maximum per member and waived from the deductible | Orthodontic Coverage Plan pays 50% with $1,000 lifetime maximum per member and waived from the deductible | ||
How much will you pay for each of these plans?
United Concordia doesn’t publish rates for their PPO dental plans. However, costs for their FEDVIP High option (we used zip code 77375) are as follows:
| Self | Self Plus One | Self and Family |
| $34.23/mo | $68.47/mo | $102.66/mo |
Comparatively, FEDVIP Standard Option rates include:
| Self | Self Plus One | Self and Family |
| $22.49/mo | $44.96/mo | $67.45/mo |
Where are you in your search for affordable, benefit-rich dental plans? Should you go with United Concordia or another provider? The friendly staff at IHS Insurance Group is standing by to answer all your important questions!
Need a FREE Quote or have questions regarding Dental Insurance Coverage? We have three convenient ways to reach us:
We look forward to speaking with you today!
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