Unum has partnered with United Concordia Dental, a leading national dental insurer, to provide valuable dental coverage that coordinates easily with other Unum benefits.
Regular dental care is important to your employees. They want a healthy smile — and they want to maintain good dental health now, so they can avoid costly treatments later. That's why we offer multiple dental coverage options through preferred provider organizations (PPOs). And like all our benefits, Unum dental is supported by easy administration and valuable employee communications.
Three coverage options for your dental needs
With all Unum dental plans, your employees have access to the Advantage Plus 2.0 network — a national network of nearly 106,000 dentists and nearly 340,000 access points.* Each plan is available in multiple funding options: employer-paid, employee-paid or shared funding.
An active dental PPO plan gives employees the freedom to choose a dentist, but sets in-network services at a higher benefit level. The more your employees choose to use in-network dentists, the more they can save.
A passive dental PPO plan features the same provider discounts as an active PPO. Employees can receive the same benefit amount at non-network dentists, but their out-of-pocket expenses may be higher.
A dental elect offering lets you choose a set of two plans from five coverage options, and employees pick the plan that best suits their needs:
* United Concordia Dental internal data, 2015. Access points are sites where network dentists see patients. Some dentists may be available at more than one access point. Due to contractual requirements, some Unum customers will have access to the Advantage Plus Network. Dental elect offering is available for employers with more than 10 enrolled employees. Dental HMO’s are available in CA and TX.
Dental plans are marketed by Unum, administered by United Concordia Companies, Inc., and underwritten by United Concordia Life and Health Insurance Company, United Concordia Dental Corporation of Alabama, United Concordia Insurance Company of New York, and United Concordia Insurance Company. For information about which companies are licensed in your state, please visit the “Disclaimers” link at www.ucci.com. Administrative and claims offices located at 4401 Deer Path Road, Harrisburg, PA 17110 (888-222-2685).
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.