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Disclaimers

The information provided on this website is intended to provide general information only, does not constitute medical, health, benefit, legal, and/or tax advice, and does not attempt to give you advice that relates to your specific circumstances.

Group Disclosure

This advertisement is not a proposal of insurance. The Group Policy or Contract and Certificate of Insurance ("Plan Documents") include a complete listing of covered services, limitations, exclusions, cancellation and renewal provisions. In the event of conflict, the Plan Documents will govern. Contact a United Concordia account representative to obtain details on current coverage, exclusions, limitations, renewal, cancellation and costs. United Concordia offers only dental policies with an optional vision rider available with fee-for-service and PPO dental plans. Vision rider benefits are administered by Davis Vision Insurance Administrators in CA and by Davis Vision, Inc. in all other states. Vision riders are not available in AL or WA. Not all products available in all jurisdictions.

Concordia Flex, Concordia Select*, Concordia Access and Concordia Choice are underwritten by: United Concordia Insurance Company in AL, AK, AZ, AR, DE, DC, CA, CO, CT, FL, GA, HI, IL, ID, IN, IA, KS, KY,LA, MD, ME, MA, MI, MN, MO, MS, MT, NJ, NC,NE, NV, NH, NM, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WV, WI and WY; and United Concordia Insurance Company of New York in NY. United Concordia Insurance Company, California certificate of authority number 3739-0, is domiciled in Arizona at its statutory address, 2198 East Camelback Road, Suite 260, Phoenix, AZ 85016.

Concordia Preferred is underwritten by the United Concordia affiliates indicated above and is available to groups headquartered in all of the listed states except GA, LA, MT, MS, NC and TX.

Concordia Flex, Concordia Select, Concordia Preferred, Concordia Access and Concordia Choice are currently not available on an insured basis for employers/groups sitused in the Commonwealth of Puerto Rico, or any territory or jurisdiction outside of the continental United States.

Healthy Stages Plan available in AL, AZ, CA, DE, DC, FL, GA, MD, NJ, OH, PA, SC, TX, VA and WV. Healthy Stages standard Exclusion and Limitations available here. Exclusions and limitations and plan details vary by state. See your broker or sales representative for details.

Triple Access POS Option 1 and Option 4 are available in CA only. Triple Access POS Option 1 and Option 2 standard exclusions and limitations available here. Exclusions and limitations and plan details vary by state. See your broker or sales representative for details.

Available Concordia group products detailed above are underwritten by United Concordia Insurance Company in OK and AZ and are written on OK policy forms OK9802 (11/07) and OK9802L (11/07) and AZ policy forms 9802 (11/07); 9802L (11/07; 9802S/L (02/13).

Vision discounts offered with United Concordia products are available only through Davis Vision providers and are not underwritten by United Concordia.

Concordia Plus is underwritten by:

       United Concordia Dental Plans of California, Inc. in CA

       United Concordia Dental Plans, Inc. in MD, DC and KY

       United Concordia Dental Plans of the Mid-West, Inc. in MO and OH

Please contact your local United Concordia account representative for further details regarding service areas in the following states where Concordia Plus is underwritten by:

       United Concordia Dental Plans of Pennsylvania, Inc. in PA, a preferred provider organization

       United Concordia Dental Plans of Texas, Inc. in TX

       United Concordia Dental Plans, Inc. in NJ, a dental plan organization

       United Concordia Dental Plans of the Mid-West, Inc. in MI

Concordia Plus members must select or will be assigned a primary care provider. Care must be provided by a network provider unless authorized by the company or a Point of Service plan is purchased. In-network specialty services require a referral from the patient’s assigned primary care provider. Point of service plans are available in DC, KY and MD only.

Concordia Plus is currently not available for employers/groups sitused in the states of: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, LA, NE, NV, NH, NM, NY, NC, ND, ME, MA, MN, MS, MT, OK, OR, RI, SC, SD, TN, UT, VA, VT, WA, WV, WI, WY, the Commonwealth of Puerto Rico, or in any jurisdiction outside of the continental United States. This advertisement is not a solicitation of coverage in these jurisdictions.

United Concordia Companies Inc., and/or its licensed corporate affiliates (United Concordia), administrative office: 4401 Deer Path Road, Harrisburg, PA 17110. United Concordia’s licensed affiliates have sole financial responsibility for their products.

PPO Dental plans are administered by United Concordia Companies, Inc., and underwritten by United Concordia Life and Health Insurance Company and United Concordia Insurance Company. For information about which companies are licensed in your state, visit the “Disclaimers” link at www.unitedconcordia.com. Administrative and claims offices located at 4401 Deer Path Road, Harrisburg, PA 17110 (1-800-332-0366). This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in for or discontinued. For costs and complete details of the coverage, call your insurance agent or the company.

Notice for Colorado Residents
Plans and policies offered by United Concordia Insurance Company do not include coverage of pediatric dental services as required under federal law. Coverage of pediatric dental services is available for purchase in the State of Colorado, and can be purchased as a standalone plan or as a covered benefit in another health plan. Please contact your insurance carrier, agent or Connect for Health Colorado to purchase either a plan that includes pediatric dental coverage, or an exchange-qualified standalone dental plan that includes pediatric dental coverage.

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Variations from Standard Benefit Plans

Plans vary by state and jurisdiction. Please see https://www.unitedconcordia.com/VariationsfromStandardBenefitPlans for details regarding benefit variations for plans available in your area.

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Discount Dental Products

The iDental Discount Plan is not insurance. Discount plans provide discounts for dental and vision services offered by providers who have agreed to participate in the discount plan. Discount plans do not provide insurance coverage and the discount plan organization does not pay providers directly. Discount plan members are required to pay providers directly for services subject to discounts under the plan. Discount Plan Organizations are United Concordia Life and Health Insurance Company, United Concordia Insurance Company and United Concordia Insurance Company of New York located at 4401 Deer Path Road, Harrisburg, PA 17011. Plans are marketed and administered by Detalplans.com. Inquiries related to discount plans including those related to renewal, cancellation, change of plan and change of Member information including adding additional members, website issues, Member complaints and any other general inquiries should be directed to a DentalPlans.com.

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General Public Disclosure

Dental plans are administered by United Concordia Companies, Inc. and underwritten by United Concordia Insurance Company of New York, United Concordia Insurance Company, United Concordia Dental Plans, Inc., United Concordia Dental Plans of California, Inc., United Concordia Dental Plans of the Midwest, Inc., United Concordia Dental Plans of Pennsylvania, Inc., and United Concordia Dental Plans of Texas, Inc. Administrative and claims offices are located at 4401 Deer Path Road, Harrisburg, PA 17110 (1-800-332-0366).

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Terms & Conditions

You should review these terms and conditions regularly as they may change at any time at the sole discretion of United Concordia.

Once the Member gains access to the information on the United Concordia website, he/she may browse the site and download materials contained on the site for his/her personal use only. However, no material or images from the website may be copied, reproduced, republished, transmitted, merged with any other works, or distributed in any way, for public or commercial purposes without the express written permission of United Concordia. Modifications to the contents of any portion of the website is a violation of United Concordia's copyright and other proprietary rights.

 

Disclaimers

United Concordia uses reasonable efforts to include accurate and up-to-date information on the website. However, United Concordia makes no warranties or representations as to its accuracy. The materials contained on the website are provided "AS IS" and without any implied or express warranties. United Concordia does not warrant or make any representations regarding the use or results of the use of the website in terms of accuracy or reliability. Anyone accessing this site assumes full responsibility for all personal costs associated with viewing or accessing this website, including, but not limited to, computer hardware, software, network servicing, repairs or corrections. Under no circumstances will United Concordia be liable for any direct or indirect, special, incidental or consequential damages that result from the use of, or inability to use, this site.

Member understands and agrees that the information he/she may access herein reflects information on file at the time of the inquiry and may be subject to retroactive and prospective changes as required by his/her plan design/administrator without notice. It is the responsibility of the Member to verify plan participation and coverage with his/her employer prior to receiving dental care services. United Concordia is not to be held responsible for personal Member liabilities resulting from retroactive cancellations of or changes to dental coverage by his/her employer.

 

Jurisdiction

The United Concordia website is controlled and operated by United Concordia from its headquarters in the Commonwealth of Pennsylvania, United States of America. Any dispute arising from these terms will be resolved exclusively in the state and federal courts of Pennsylvania.

United Concordia does not direct content to Minors and does not intend to collect personal information from minors and therefore is not subject to the Child Online Privacy Protection Act.

Member agrees that he/she is responsible for protecting his/her password from compromise, release or discovery by any unauthorized person. If Member learns that his/her password has been compromised, Member should access the United Concordia website at www.unitedconcordia.com  to change his/her password. Passwords are changed using the following steps:

  1. Enter the Members section from United Concordia's home page
  2. Click on My Dental Benefits
  3. Select Forgot Password?
  4. Follow the steps to reset your password

Member agrees not to disclose his/her password to any third party in any manner.

 

Privacy/Treatment of Information or Data Transmitted to United Concordia

Personal information transmitted to United Concordia will be treated in accordance with the Privacy Policy, a copy of which can be accessed via the www.unitedconcordia.com website by clicking on the Privacy link.

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General Data Protection Regulation (GDPR) Disclaimer (effective (10/30/18)

  1. Scope of this disclaimer
    For the use of this Facebook Business Page (“Business Page”), the following terms of use apply between us and the user. The use of the contents of the Business Page takes place always at the user's own risk.

    We assume no responsibility for the accuracy and completeness and timeliness of the contents. Contributions marked by name reflect the opinion of the respective author and do not always reflect our opinion.

  2. External links on our Business Page
    This Business Page contains links to third party websites. The operator(s) of these websites is/are solely responsible for them. We have no influence over the current and design and content of these linked pages. Linking to these external websites does not mean that we stand behind the link or reference or incorporate it.

  3. Obligations as a user of our Business Page
    (1) As a Facebook user, you undertake that you will not publish any posts / comments on our Business Page that violates Facebook’s Terms of Service, rules, or other applicable law(s). In particular, you are prohibited from publishing offensive, unlawful or misleading content, advertising without express written permission, and accessing or collecting data from Facebook using automated means or attempting to access data you do not have permission to access. We reserve the right to delete your posts and comments at any time if we reasonably believe that they may contain a violation of Facebook’s Terms of Service and/or applicable law.

    (2) Should third parties or other users claim against us for possible legal violations a) resulting from the content you posted as a user on the Business Page and / or b) from the use of the Business Page by you, you agree to indemnify us from any claims, including damages, and will fully compensate us for any costs incurred as a result of potential infringement, including the costs of the necessary legal defense. The provider is entitled to demand a reasonable advance from you as the user.

  4. Privacy on Facebook / the "Like" button
    (1) When visiting our Business Page, among other things, Facebook collects your IP address and further information that exists in the form of cookies on your PC or device. This statistical information is used by us to understand your use of the Facebook Page and/or to target posts to you. If you want to avoid the use of cookies, you should log out of Facebook or disable the cookies present on your device. For more information, please see: http://www.facebook.com/help/pages/insights.

    (2) The data collected about you through our Business Page is provided to us by Facebook and, where appropriate, transferred to countries outside the European Union. As a user of the Business Page, you should expect that Facebook saves information on your actions on the Business Page, such as your IP address, processor type and browser version when you click on the "Like" button. Through your IP address, along with other data provided through your Facebook profile (e.g., your real name, age, etc.), Facebook could identify your identity and habits under that profile. If you always log in to Facebook via this user profile, Facebook could in particular find out your preferences, contacts and lifestyle. We do not control how Facebook extracts the data it obtains from your visit to Facebook pages for its own purposes, how long Facebook stores this data and whether data will be shared with third parties. What information Facebook receives and how it is used is described by Facebook in general terms in its data usage policies. Facebook’s data usage policies are available at: https://www.facebook.com/privacy and https://www.facebook.com/privacy/explanation/.

    (3) We, as the provider of this Business Page, may use plugins of Facebook.com, which are provided by Facebook Inc., 1601 Willow Road, Menlo Park, CA 94025 in the United States. Users of our website are hereby advised that this plugin establishes a connection to Facebook, whereby a transmission to your browser is performed so that the plugin appears on the website.

    (4) The use of data on the Business Page may be forwarded to a Facebook server, which will contain information about your visits to our website. For logged-in Facebook users, this results in the usage data being assigned to or connected with their personal Facebook account. As soon as you actively use the Facebook plug-in as a logged-in Facebook user (for example, by clicking on the "Like" button or using the comment function), this data will be transferred to your Facebook account and used accordingly. This can only be avoided by logging out of your Facebook account.

    (5) We also may use Facebook Pixel to better understand your interaction with our website. Facebook Pixel, similar to the use of cookies, monitors activity on our website and links such activity with your Facebook profile to determine if you take a specific action on our website due to seeing a Facebook ad. We also may use Facebook Pixel to target advertising based on users’ interaction with our website and their demographics based on the information on their Facebook profile or the users’ activity. We do not have access to the data collected and/or processed through Facebook Pixel, and the information we may receive from any use of Facebook Pixel will not be used by us to identify a specific individual.

  5. Other Regulations
    (1) For any other issues not specifically addressed in this Disclaimer, the General Terms of Use of Facebook apply and are available at https://www.facebook.com/terms.php

    (2) With regard to data protection by Facebook, please note the following privacy notices of Facebook: https://www.facebook.com/about/privacy/.

  6. Contact information
    If you have any questions about this disclaimer, please contact us at:
    PrivacyInternational@UnitedConcordia.com.

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