Dental Insurance
The Dental Insurance plan is insured by United Concordia.
All retirees have two options. You may select a traditional dental insurance “High Option” plan or, a more economical “Low Option” plan. With either option, employees may see any licensed dentist they choose. If you choose to see a dentist in the United Concordia network, you will have lower out-of-pocket costs, thereby saving you money.
Rates
Monthly Premiums can be deducted from your pension checks.
| Rates | 2023 High Plan | 2023 Low Plan |
|---|---|---|
| Retiree Only | $49.78 | $29.35 |
| Retiree + One | $95.24 | $57.27 |
| Retiree + Two+ | $152.34 | $98.49 |
“High Option” Plan
| Coverage | Plan Details 90% UCR Elite Plus Network |
| Preventive |
100% (does not count toward |
| Basic Services | 80% |
| Major Services* | 50% Implant Coverage Added |
| Deductible ** | $50/person |
| Annual Maximum | $1,250 |
* There is a 12 month waiting period for Major services. The waiting period will be waived if coverage is taken when first offered and there has been no break in dental coverage. (i.e… coming off of Cobra, the Cobb County Dental Plan or other insured dental coverage).
** Deductible applies to Basic and Major services. Waived for Preventative services.
*** Maximum Allowable Charge – The Maximum Allowable charge for all services, including treatment for dental emergencies, to a Non-Preferred Dentist will be equal to or greater than Maximum Allowable charge to a Preferred Dentist/contracted Dentist.
“Low Option” Plan
| Coverage | Plan Details |
| Reimbursement | Dental Plan Pays % of the Service Level Out of Network may have balance billing (MAC Plan***) |
| Preventive | 100%
(does not count toward |
| Basic Services | 65% |
| Major Services * | 35% |
| Deductible ** | $50/person |
| Annual Maximum | $1,000 |
* There is a 12 month waiting period for Major services. The waiting period will be waived if coverage is taken when first offered and there has been no break in dental coverage. (i.e… coming off of Cobra, the Cobb County Dental Plan or other insured dental coverage).
** Deductible applies to Basic and Major services. Waived for Preventative services.
*** Maximum Allowable Charge – The Maximum Allowable charge for all services, including treatment for dental emergencies, to a Non-Preferred Dentist will be equal to or greater than Maximum Allowable charge to a Preferred Dentist/contracted Dentist.
Locate a Dentist
- Go to the United Concordia website at www.unitedconcordia.com
- Click on “Find a Dentist”. Choose “Elite Plus”
- Search by either your zip code, city, or your current dentist’s name
The resulting list will provide you with a current listing of all of United Concordia’s preferred dental providers that have agreed to save you money! This benefit is insured by United Concordia. Refer to your certificate of coverage or the master policy contract for exact provisions and specifications.,
Smile for Health® – Wellness
If you have been diagnosed with one of the following chronic medical conditions, you are eligible for improved dental benefits through Smile for Health®–Wellness.
| Cerebral Vascular Disease (including Stroke) | Oral Cancer |
| Cardiovascular (Heart) Disease | Organ Transplant |
| Diabetes | Rheumatoid Arthritis |
| Lupus |
With Smile for Health®–Wellness, eligible members receive full coverage for necessary periodontal services, including surgical procedures, to remove the financial obstacles to total oral care.
How to Register
You and any eligible dependents can register to use Smile for Health®–Wellness any time after your insurance plan’s effective date. Here’s how:
- Visit https://UnitedConcordia.com/GetMDB from your desktop or mobile device
- Sign into My Dental Benefits (or Start a member account)
- Click the Wellness tab at the top menu
- Click the +Add a new condition and complete the fields as prompted
- Your condition status will show as ACTIVE to confirm your activation
Once registered, talk to your dentist about what (if any) additional services you may need to keep your mouth as healthy as possible.
For Additional Information
Houze & Associates, Inc. at 800-523-7135
Retirees are sent new ID cards only if there is a plan change. To request a new ID card please call United Concordia customer service at 888-320-3316.
New Enrollees can mail Enrollment Forms to:
Houze & Associates, Inc,
P.O. Bo 3070
LaGrange, GA 30241
