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Underwritten by
United Concordia
United Concordia Dental Guardian Plan
$43.30/month

Overview

Cost breakdown

Monthly Premium

$31.30

Administration Fee

$12.00

PEP Benefit
(one time payment)

$15.00

Initial total cost

$58.30

Benefits & coverage

Plan Type

PPO

Deductible

$50.00 Individual

Annual Max Benefit

$1,500.00

Vision Coverage

No

Restorative Services Waiting Period

6 months

Major Services Waiting Period

12 months

Oral Evaluations (Exams)

100%

Cleanings & Fluoride Treatments

100%

Sealants

100%

Bitewing X-rays

100%

Full Mouth X-rays

100%

Space Maintainers

100%

Palliative Treatment (Emergency)

100%

Adjunctive General Services Consultations

100%

Simple Extractions

70%

Amalgam Restorations

70%

Repairs of Crowns, Inlays, Onlays

70%

Resin Based Composite - Posterior (White Filling)

70%

Resin Based Composite - Anterior (White Fillings)

70%

Surgical Removal

50%

Inlays, Onlays

50%

Single or Stainless Steel Crowns

50%

Root Canal Retreatment

50%

Endodontic Therapy (Root canals, etc.)

50%

Apicoectomy/Periradicular (Root Surgery)

50%

Periodontal Maintenance

50%

Nonsurgical and Surgical Periodontics

50%

General Anesthesia, Nitrous Oxide and/or IV Sedation

50%

Removable Complete and Partial Dentures

50%

Adjustments and Repairs of Complete and Partial Dentures

50%

RTBs

Dental Limitations & Exclusions

The following services, supplies or charges are excluded:

  1. Started prior to the Member’s Effective Date or after the Termination Date of coverage under the Group Policy (for example but not limitation, multi-visit procedures such as endodontics, crowns, bridges, inlays, onlays, and dentures).
  2. For house or hospital calls for dental services and for hospitalization costs (facility-use fees).
  3. That are the responsibility of Workers’ Compensation or employer’s liability insurance, or for treatment of any automobile-related injury in which the Member is entitled to payment under an automobile insurance policy. The Company’s benefits would be in excess to the third-party benefits and therefore, the Company would have right of recovery for any benefits paid in excess.
    For Group Policies issued and delivered in Georgia, Missouri and Virginia, only services that are the responsibility of Workers’ Compensation or employer’s liability insurance shall be excluded from this Plan.
    For Group Policies issued and delivered in North Carolina, services or supplies for the treatment of an Occupational Injury or Sickness which are paid under the North Carolina Workers’ Compensation Act are excluded only to the extent such services or supplies are the liability of the employee according to a final adjudication under the North Carolina Workers’ Compensation Act or an order of the North Carolina Industrial Commission approving a settlement agreement under the North Carolina Workers’ Compensation Act.
    For Group Policies issued and delivered in Maryland, this exclusion does not apply.
  4. For prescription and non-prescription drugs, vitamins or dietary supplements.
    For Group Policies issued and delivered in Arizona and New Mexico, this exclusion does not apply.
  5. Administration of nitrous oxide and/or IV sedation, unless specifically indicated on the Schedule of Benefits.
    For Group Policies issued and delivered in Washington, this exclusion does not apply when required dental services and procedures are performed in a dental office for covered persons under the age of seven (7) or physically or developmentally disabled.
    For Group Policies issued and delivered in New York, this exclusion does not apply if dental services are required for sound teeth as a result of accidental injury.
  6. Which are Cosmetic in nature as determined by the Company (for example but not limitation, bleaching, veneer facings, personalization or characterization of crowns, bridges and/or dentures).
    For Group Policies issued and delivered in New York, this exclusion does not apply if dental services are required for sound teeth as a result of accidental injury.
    For Group Policies issued and delivered in New Jersey, this exclusion does not apply for Cosmetic services for newly born children of Members.
    For Group Policies issued and delivered in Washington, this exclusion does not apply in the instance of congenital abnormalities for covered newly born children from the moment of birth.
  7. Elective procedures (for example but not limitation, the prophylactic extraction of third molars).
  8. For congenital mouth malformations or skeletal imbalances (e.g. treatment related to cleft lip or cleft palate, disharmony of facial bone, or required as the result of orthognathic surgery including orthodontic treatment).
    For Group Policies issued and delivered in Kentucky, Minnesota and Pennsylvania, this exclusion shall not apply to newly born children of Members including newly adoptive children, regardless of age.
    For Group Policies issued and delivered in Colorado, Hawaii, Indiana, Missouri, New Jersey and Virginia, this exclusion shall not apply to newly born children of Members.
    For Group Policies issued and delivered in Florida, this exclusion shall not apply for diagnostic or surgical dental (not medical) procedures rendered to a Member of any age.
    For Group Policies issued and delivered in Washington, this exclusion shall not apply in the instance of congenital abnormalities for covered newly born children from the moment of birth.
  9. For dental implants and any related surgery, placement, restoration, prosthetics (except single implant crowns), maintenance and removal of implants unless specifically covered under the Schedule of Benefits or a Rider.
  10. Diagnostic services and treatment of jaw joint problems by any method unless specifically covered under the Certificate. Examples of these jaw joint problems are temporomandibular joint disorders (TMD) and craniomandibular disorders or other conditions of the joint linking the jawbone and the complex of muscles, nerves and other tissues related to the joint.
    For Group Policies issued and delivered in New York, diagnostic services and treatment of jaw joint problems related to a medical condition are excluded unless specifically covered under the Certificate. These jaw joint problems include but are not limited to such conditions as temporomandibular joint disorder (TMD) and craniomandibular disorders or other conditions of the joint linking the jawbone and the complex of muscles, nerves and other tissues related to the joint.
    For Group Policies issued and delivered in Florida, this exclusion does not apply to diagnostic or surgical dental (not medical) procedures for treatment of temporomandibular joint disorder (TMD) rendered to a Member of any age as a result of congenital or developmental mouth malformation, disease or injury and such procedures are covered under the Certificate or the Schedule of Benefits.For Group Policies issued and delivered in Minnesota, this exclusion does not apply.
  11. For treatment of fractures and dislocations of the jaw.
    For Group Policies issued and delivered in New York, this exclusion does not apply if dental services are required for sound teeth as a result of accidental injury.
  12. For treatment of malignancies or neoplasms.
  13. Services and/or appliances that alter the vertical dimension (for example but not limitation, full-mouth rehabilitation, splinting, fillings) to restore tooth structure lost from attrition, erosion or abrasion, appliances or any other method.
  14. Replacement or repair of lost, stolen or damaged prosthetic or orthodontic appliances.
  15. Preventive restorations.
  16. Periodontal splinting of teeth by any method.
  17. For duplicate dentures, prosthetic devices or any other duplicative device.
  18. For which in the absence of insurance the Member would incur no charge.
  19. For plaque control programs, tobacco counseling, oral hygiene and dietary instructions.
  20. For any condition caused by or resulting from declared or undeclared war or act thereof, or resulting from service in the National Guard or in the Armed Forces of any country or international authority.
    For Group Policies issued and delivered in Oklahoma, this exclusion does not apply.
  21. For treatment and appliances for bruxism (night grinding of teeth).
  22. For any claims submitted to the Company by the Member or on behalf of the Member in excess of twelve (12) months after the date of service.
    For Group Policies issued and delivered in Maryland, failure to furnish the claim within the time required does not invalidate or reduce a claim if it was not reasonably possible to submit the claim within the required time, if the claim is furnished as soon as reasonably possible, and, except in the absence of legal capacity of the Member, not later than one (1) year from the time the claim is otherwise required.
  23. Incomplete treatment (for example but not limitation, patient does not return to complete treatment) and temporary services (for example but not limitation, temporary restorations).
  24. Procedures that are:
    • Part of a service but are reported as separate services; or
    • Reported in a treatment sequence that is not appropriate; or
    • Misreported or that represent a procedure other than the one reported.
  25. Specialized procedures and techniques (for example but not limitation, precision attachments, copings and intentional root canal treatment).
  26. Fees for broken appointments.
  27. Those specifically listed on the Schedule of Benefits as “Not Covered” or “Plan Pays 0%”.
  28. Those not Dentally Necessary or not deemed to be generally accepted standards of dental treatment. If no clear or generally accepted standards exist, or there are varying positions within the professional community, the opinion of the Company will apply.
  29. Orthodontic services, supplies, and appliances.
  30. For prosthetic services (e.g. full or partial dentures or fixed bridges) if such services replace one (1) or more teeth missing prior to Member’s eligibility under the Group Policy.
    For Group Policies issued and delivered in Georgia and North Carolina, this exclusion does not apply.
    For Group Policies issued and delivered in Maryland, this exclusion does not apply to prosthetic services placed five (5) years after the Member’s Effective Date for services.

Covered services are limited as detailed below. Services are covered until 12:01 a.m. of the birthday when the patient reaches any stated age:

  1. Full mouth x-rays - one (1) every 5 year(s).
  2. Bitewing x-rays - one (1) set(s) per 12 months under age nineteen (19) and one (1) set(s) per 18 months age nineteen (19) and older.
  3. Oral Evaluations:
    • Comprehensive and periodic - two (2) of these services per 1 calendar year(s). Once paid, comprehensive evaluations are not eligible to the same office unless there is a significant change in health condition, or the patient is absent from the office for three (3) or more year(s).
    • Limited problem focused and consultations - one (1) of these services per dentist per patient per 12 months.
    • Detailed problem focused - one (1) per dentist per patient per 12 months per eligible diagnosis.
  4. Prophylaxis - two (2) per 1 calendar year(s).
  5. Fluoride treatment - one (1) per calendar year(s) under age fourteen (14).
  6. Space maintainers - one (1) per five (5) year period for Members under age fourteen (14) when used to maintain space as a result of prematurely lost deciduous molars and permanent first molars, or deciduous molars and permanent first molars that have not, or will not, develop.
  7. Sealants - one (1) per tooth per 3 year(s) under age sixteen (16) on permanent first and second molars.
  8. Replacement of restorative services only when they are not, and cannot be made, serviceable:
    • Basic restorations - not within 24 months of previous placement of any basic restoration.
    • Single crowns, inlays, onlays - not within 5 year(s) of previous placement of any of the procedures in this category.
    • Buildups and post and cores - not within 5 year(s) of previous placement of any of the procedures in this category.
    • Replacement of natural tooth/teeth in an arch - not within 5 year(s) of a fixed partial denture, full denture or partial removable denture.
  9. Recementation - one (1) per 3 years. Recementation during the first 12 months following insertion any preventive, restorative or prosthodontic service by the same dentist is included in the preventive, restorative or prosthodontic service benefit.
  10. Intraoral Films:
    • Periapical - four (4) per 12 months per dentist if not performed in conjunction with definitive procedure(s).
    • Occlusal - two (2) per 24 months under age eight (8).
  11. Periodontal Services:
    • Full mouth debridement - one (1) per lifetime.
    • Periodontal maintenance following active periodontal therapy - two (2) per calendar year in addition to routine prophylaxis.
    • Periodontal scaling and root planing - one (1) per 36 months per area of the mouth.
    • Surgical periodontal procedures - one (1) per 36 months per area of the mouth.
    • Guided tissue regeneration - one (1) per tooth per lifetime.
  12. Prefabricated stainless-steel crowns - one (1) per tooth per lifetime for Members under age fourteen (14).
  13. Denture relining, rebasing or adjustments are considered part of the denture charges if provided within 6 months of insertion by the same dentist. Subsequent denture relining or rebasing limited to one (1) every 3 year(s) thereafter.
  14. Pulpal therapy - one (1) per primary tooth per lifetime only when there is no permanent tooth to replace it.
  15. Root canal retreatment - one (1) per tooth per lifetime.
  16. An alternate benefit provision (ABP) will be applied if a covered dental condition can be treated by means of a professionally acceptable procedure which is less costly than the treatment recommended by the dentist. The ABP does not commit the member to the less costly treatment. However, if the member and the dentist choose the more expensive treatment, the member is responsible for the additional charges beyond those allowed under this ABP.
  17. General anesthesia and IV sedation: a total of 60 minutes per session.

Frequently Asked Dental Questions

United Concordia Dental plans include coverage for necessary dental treatments in three different classes of service, which may be subject to exclusions, limitations and waiting periods.

  • Diagnostic & Preventive Services – X-Rays, Oral Exams, Prophylaxis, Sealant, Space Maintainers, and Topical Application of Fluoride, Emergency Palliative Treatment, Full Mouth X-Rays, Problem Focused Exams.
  • Restorative Services – Amalgam, Anterior and Posterior Restorations; Simple Extractions.
  • Major Services – Oral Surgery, Periodontics, Endodontics, Bridges, Crowns, Dentures.

Plans vary in both the level of coverage (coinsurance) and the class of covered services. If you have good oral health, and just need preventive care, you may not need a comprehensive plan. You may want to select a plan that covers Restorative and Major services if your needs extend beyond preventive care. Another plan feature, and advantage of selecting a network provider, is that the participating dentist may agree to discounted fees for non-covered services and services over the maximum.

You may choose any licensed dentist to provide services under this plan. If you choose a non-participating provider, you may be balanced billed the difference between the providers full charge and the plans allowance.

Yes, your plan is subject to an annual maximum on a calendar year basis.

Deductibles are per person, per calendar year. A covered person must pay any applicable deductible amount before covered benefits are payable under the plan chosen unless otherwise stated.

Reimbursement for Covered Services is based on the Maximum Allowable Charge for participating dentists. See your reimbursement addendum or schedule of benefits attached to the Certificate of insurance for information on reimbursement for non-participating dentists. Non-par reimbursement is detailed on the SOB in some states.

If a Covered person receives service for a procedure before the Benefit Waiting Period for that procedure ends, that procedure is not covered under the Policy. The Benefit Waiting Periods for Covered Procedures are listed in the Schedule of Benefits and vary by class of service.

The Coinsurance Percentage is the percentage of the Covered Expense that we will pay for a Covered Procedure. The percentage applicable to a Covered Person may vary by Covered Procedure and is shown in the Schedule of Benefits.

The Percentage of Covered Expense is the percentage of the Covered Expense that We will pay for a Covered Procedure. The percentage applicable to a Covered Person may vary by Covered Procedure and is shown in the Schedule of Benefits.

When a Covered Person has dental coverage under more than one Plan, as defined below, the benefits payable between the Plans will be coordinated.

Benefit Coordination:

Benefits will be adjusted so that the total payment under all Plans is no more than 100 percent of the total Allowable Expense, as defined in the policy. In no event will total benefits paid exceed the total payable in the absence of COB.

If a Covered Person’s Benefits paid under this Plan are reduced due to COB, each benefit will be reduced proportionately. Only the amount of any benefit actually paid will be charged against any applicable Plan Year Maximum Benefit.

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