Starting Coverage: November 22

About HD Ideal Dental

The Heath Depot Ideal Dental membership provides the quality of coverage and service our members expect. Dental is provided through United Concordia Insurance Company and includes the Advantage Plus 2.0 dental network, consisting of nearly 349,000 access points and 101,000 dentists nationwide*.  With so many options, you are sure to find a network provider near you.

 

*Based on United Concordia internal research and reports, dated 2024.

Click Each Tab Below to Learn More About HD Ideal Dental - Open All Tabs

Association Benefits

Health Care Discounts

Oral Health Resource

Keeping your mouth healthy can be tricky. Even if you practice good oral habits at home and have regular bi-yearly dentist appointments, oral health issues can develop and progress without you being aware it is happening.

Improving your oral hygiene routine is easy to achieve and maintain – once you know how. The Oral Care Center on the Colgate website provides information and resources that can help you and your family members be proactive about your oral health.

Dental Network

Advantage Plus 2.0

Save More with A Network Dentist. United Concordia’s large, nationwide dentist network means you can find affordable, quality care with great service no matter where you live.

Learn More About This Benefit
close

Insured Benefits

Concordia Flex Plan

United Concordia

Benefit Category1In-Network2Non-Network2
Class I – Diagnostic/Preventive Services
Exams100%100%
Bitewing X-rays
All Other X-rays
Cleanings & Fluoride Treatments
Sealants
Palliative Treatment
Class II – Basic Services
Basic Restorative (Amalgam Fillings)50%50%
Simple Extractions
Space Maintainers
Repairs of Crowns, Inlays, Onlays, Bridges & Dentures
Endodontics
Nonsurgical Periodontics
Surgical Periodontics
Complex Oral Surgery
General Anesthesia
Class III – Major Services
Inlays, Onlays, Crowns50%50%
Prosthetics (Bridges, Dentures)
Included Plan Features
Preventive Incentive®Class I services do not count toward your annual program maximum
Smile for Health®--Wellness
Provides periodontal care for people with certain chronic
medical conditions: diabetes, heart disease, lupus, oral cancer,
organ transplant, rheumatoid arthritis and stroke		Covers 1 additional periodontal maintenance per year and all are covered at 100%
Scaling and root planing are covered at 100%
4 periodontal surgery procedures are covered at 100%
Maximums & Deductibles (applies to the combination of services received from network and non-network dentists)
Annual Deductible (per person/per family)$50/$150
Excludes Class I
Annual Maximum (per person)$1,500
Excludes Class I

Disclaimers

Limitations & Exclusions

Representative listing of covered services – certificate of coverage provides a detailed description of benefits.
1. Dependent children covered to age 26.
2. Reimbursement is based on United Concordia Insurance Company’s schedule of maximum allowable charges (MACs). Network dentists agree to accept the scheduled allowances as payment in full for covered services. Non-network dentists may bill the member for any difference between the scheduled allowance and their fee (also known as balance billing). United Concordia Insurance Company’s standard exclusions and limitations apply. Orthodontics are not covered on this plan. Concordia Flex is a passive PPO program that allows members to receive care from any licensed dentist; however, members receive the greatest value and convenience when they receive care from a participating dentist. This means that members who receive care from a participating dentist are responsible only for those deductibles and coinsurance amounts that are part of the program design.

Dental plans are administered by United Concordia Companies, Inc. and underwritten by United Concordia Insurance Company. Administrative and claims offices located at 1800 Center Street, Suite 2B Camp Hill, PA 17011 (800-332-3600).

Dental plans cover dental benefits only. United Concordia’s Group Policy begins on the agreed effective date and renews subject to the terms of the Group Policy. Either the group or United Concordia may elect not to renew the Group Policy by providing written notice to the other party at least 31 days prior to renewal. United Concordia may terminate the Group Policy with 31 days written notice if the employer/group fails to pay premium. United Concordia may adjust rates or benefits or terminate the Policy on any premium due date with 31 days advance notice if the minimum participation requirements are not achieved or the nature of the risk changes significantly. Not all products available in all jurisdictions.

Members must also meet their group’s eligibility requirements or waiting period for insurance. The amount of benefits and cost depend upon the plan selected.

Monthly Rates

Dental RatesOther Association & Membership FeesHD Ideal Dental Monthly Membership Rates
Member$32.03+$64.97=$97
Member + 1$58.10+$97.90=$156
Member + Family$85.72+$146.28=$232

The monthly membership rates are inclusive of membership fees, administrative fees, and insurance rates. The following rates apply for the dental insurance underwritten by United Concordia Insurance Company: Member = $32.03; Member plus One = $58.10; Member plus Family = $85.72. The monthly insurance premium rates only reflect the coverage underwritten by underwritten by United Concordia Insurance Company. It does not include the association’s costs or fees for other programs, and services; including but not limited to member discounts and savings related programs and services, administration and maintenance of association information, and awareness benefits, websites, enrollment, fulfillment, and any other costs related to administration of the association.

One-time enrollment fee applies.

FAQ / About the Carrier

FAQs

About the Carrier

United Concordia Insurance Company

United Concordia Insurance Company knows how important oral health is to overall health—they have specialized in dental insurance for over 50 years. A national dental-care company, United Concordia Insurance Company has provided flexible, affordable dental insurance plans and great customer service to more than 9.5 million members nationwide. A recognized leader in the industry, United Concordia Insurance Company focuses on improving the oral health and well-being of the members they serve.

Membership Eligibility

  • Must be a member of Health Depot Association to remain eligible for coverage under this dental plan.
  • Reside in an available state
  • Dental Plans not available in AK, HI, IA, MD, ME, MO, MT, NC, NV, NY, OR, PA, SD, UT, VT, WA.
  • Adults age eighteen (18) or above
  • Dependent children covered to age 26
  • Common Law Spouses and Domestic Partners are accepted