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Zeal Credit Union
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United Concordia Dental is pleased to serve the dental insurance needs of Zeal Credit Union members and their families. Zeal Credit Union and United Concordia are partnering because we care about you and your family's oral health. Oral health problems often tax the immune system, which can expose you to greater risk of illness and infection. To help maintain a healthier smile and a healthier you, we encourage you to follow the advice of your dentist and the American Dental Association. Your dental plan emphasizes preventive care to help avoid costly procedures commonly caused by delayed treatment.

What plans are available? - Zeal Credit Union members have the opportunity to select dental coverage under two dental plans: Concordia Flex (fee-for-service, FFS) or Concordia Plus (DHMO).

Concordia Flex - Concordia Flex is a comprehensive indemnity (fee-for-service, FFS) plan that provides you with access to more than 263,000 practicing locations nationwide through our Advantage Plus network. If your dentist does not currently participate in our network, you may still use your dentist but your out-of-pocket expenses are likely to be higher. Visiting one of our participating providers helps lower out-of-pocket costs and eliminates the need to fill out claim forms.

Concordia Plus - The Concordia Plus (DHMO) option is a managed care dental plan that requires you to pre-select a Primary Dental Office (PDO) from our Concordia Plus network for each of your covered family members and yourself. Each family member may select a different Primary Dental Office from our Concordia Plus managed care network.

How do I find a dentist? - If you would like to locate a participating dentist or check on the participation status of your current dentist, simply click on the appropriate button below:


What if I have a question? - If you have a question about your dental benefits prior to being enrolled in the program, email Customer Service or call the appropriate toll-free Customer Service number located on the left-hand side of this page.

After you are enrolled, visit My Dental Benefits for online access to your benefits detail, claim history, claim status, eligibility information and more!