United Concordia offers group dental insurance plans, including the Dental Health Maintenance Organization, which provides dental benefits to groups for a fixed monthly premium. The company also offers a plan that allows enrollees to opt out of the provider network as well as a fee-for-service plan that gives members access to discounted services through a network of dentists.
I have UC as a supplemental, that is until open season. I had periodontal work performed that I had to pay for upfront. The dental office helped me file my claim on this procedure. UC took 7 months to pay a small portion of it and only then after I turned them into every agency I could think of. Now they are telling me my regular dentist (that they used to pay) is not in their network and will not pay him. Can you say R-E-T-R-I-B-U-T-I-O-N. I highly do not recommend them and am dropping them ASAP.
I got a crown on a tooth that they have rejected for payment. Their "expert dentist" looked at x-rays and said I needed periodontal work in my whole mouth before they would pay. I got actual measurements taken over my mouth which proved him wrong. My dentist also says that at my age the healing time after the work they insist he do could easily cause more problems than they solve even if I did really need it. What they requested was "state of the art" years ago. Perhaps their "expert" should get refresher courses or retire.
Horrible coverage. I had two Crowns put in on teeth that were practically at the gum line. They determined that "This service does not meet contractual requirements for payment". They are paying nothing. How much worse does a tooth have to be before they consider it required?
They blow. Few providers and coverage for children is HORRIBLE. NEVER USE THIS PROGRAM!
Terrible coverage. Expensive and they refuse to pay for important procedures.
You can search for a dentist using a number of search utilities at their site. The premium was affordable, one of the better options I've found in searching. I'd recommend United Concordia to anyone.
| Type | Today | Week Ago |
|---|---|---|
| 15 Year Fixed | 4.62%  |
4.67% |
| 30 Year Fixed | 5.15% | 5.15% |
| 1 Year ARM | 3.48% |
3.51% |
| 5/1 Year ARM | 3.62% |
3.68% |
| Type | Today | Week Ago |
|---|---|---|
| Line of Credit | 4.89%  |
4.88% |
| 10 Year Loan | 7.47% | 7.47% |
| 15 Year Loan | 7.61% |
7.60% |
| Type | Today | Week Ago |
|---|---|---|
| Interest Checking | 0.28% | 0.28% |
| Money Market/Savings | 0.38% | 0.38% |
| 12 Month CD | 1.13%  |
1.15% |
| 60 Month IRA CD | 2.40% |
2.41% |
| Type | Today | Week Ago |
|---|---|---|
| Cash Back Cards | 12.66% |
12.68% |
| No Annual Fee Cards | 12.08% |
11.97% |
| Reward Cards | 12.75% |
12.61% |
| Small Business Cards | 11.01% |
10.94% |
| Student Cards | 13.77% |
13.49% |
| Platinum Cards | 12.26% |
12.11% |
