United Concordia Dental Insurance was formerly a good option for individuals without an employer sponsored dental plan. They have now switched to only offering dental insurance through health benefits packages provided by businesses. These include a variety of PPO plans.
United Concordia no longer offers the iDental Discount plan to individual buyers, although it is still available for employers to offer employees. This plan is inexpensive, but it is essentially not an insurance program, but more like a dental discount membership.
United Concordia offers multiple options for their PPO plans. They are the Active PPO (Concordia Preferred), the Passive PPO (Concordia Flex) and the UCElect Series.
The Active PPO provides better coverage from in-network dentists compared to out-of-network dentists. Selecting this plan would likely result in personal cost savings when you receive dental treatment.
The Passive PPO provides the same coverage, whether you select an in-network or out-of-network dentist.
Under this plan, the employer selects two different levels of Passive PPO coverage. The employee then has a choice, based on the level of coverage desired and the costs they are willing to incur.
Any of the PPO plans have an election for additional periodontal coverage for treatment and prevention of persistent gum disease. This option is called Smile for Health—Wellness. Gum disease is especially common or threatening for people with the following circumstances:
Our Sacramento dentists would like to suggest that this coverage is also useful for pregnant women or those who are planning a pregnancy in the near future. If you have valued employees who experience any of these conditions, this added coverage may play a role in keeping them healthy and active in the workplace.