Starting Coverage: August 24

About HD OptiSmile

With Health Depot’s OptiSmile membership, you get the confidence of combined dental and vision coverage—all in one simple, affordable solution.

Designed for everyday care and real savings, OptiSmile gives you access to insured benefits underwritten by United Concordia, so you can feel secure knowing your coverage is backed by a trusted name. OptiSmile makes it simple to stay on top of routine care, catch issues early, and avoid unexpected expenses. Partnered with other valuable resources and savings, this membership provides a simple approach to taking control of your oral and vision care needs.

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Association Benefits

Consumer Discounts

39DollarGlasses.com

Members can save 70% or more when purchasing glasses online. As one of the largest online optical sites, 39DollarGlasses.com is the most recognized and trusted name for prescription eyeglasses and sunglasses. Feedback from thousands of happy customers has earned 39DollarGlasses.com the prestigious 5-Star rating in Yahoo! Shopping and an A+ Rating with the Better Business Bureau as an accredited business since 2002.
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.
Swanson Vitamins

There are many positive health benefits that can result from a daily regimen of vitamin supplements.  Many people consider a vitamin and mineral supplement program to be an important part of their overall health strategy.

The Swanson website includes search categories like Vision Health, Dental & Oral Health, Immune Support, Blood Sugar Support and more! Visit the Swanson Blog for timely tips on vitamins & supplements, food & nutrition, health & beauty and recipes.

Members can enjoy discounts up to 20% on a wide range of Swanson brand vitamins and mineral supplements online.
Retail Benefits

Through this online shopping site, members can earn up to 40% cash back at more than 5,000 leading merchants and save even more with coupons that can be used instantly in-store. Shop at popular stores like Walmart, Target, Best Buy, Crate & Barrel, Gap, Banana Republic, Champs Sports, Home Depot, Macy’s and JCPenney. Book travel (airfare, hotels, rental cars, and more) through featured sites like Travelocity, Orbitz, Hotels.com, Priceline and Expedia.
Oral Care Discounts

A healthier you starts with better oral care. Healthier mouth, healthier you!
Members can take advantage of exclusive pricing on premium oral care products for a healthier, more confident smile.

Value Added Benefits

VSP®Choice

For the best vision coverage and value, most members choose a doctor in their VSP Choice network. Members simply inform the eye doctor that they have UC ClearVision coverage. After the eye doctor confirms the member’s eligibility, their benefits will be applied at the point of sale with no further action needed. The provider will then submit a claim with their fees on the member’s behalf.

Members can also shop online at eyeconic.com®, where they can apply their vision benefits at the time of purchase. If members visit an out-of-network doctor, they’ll pay full retail price for exams, eyeglasses and contacts. They’ll also need to submit a claim to VSP for any out-of-network reimbursements.

Mobile Apps

Mobile apps make it easier than ever to keep your mouth healthy and manage your benefits. United Concordia has a Members App and a Kids App.

Learn More About This Benefit

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
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Insured Benefits

UC ClearVision Plan

VSP

BenefitCopay
WellVision Exam®
Once Every 12 months$25
Prescription Glasses
Frames (Every 24 months)
$170 featured frame brands allowance$25
$150 frame allowance
$80 Costco® frame allowance
20% savings on the amount over your allowance
Lenses (Every 12 months)
Single vision, lined bifocal, and lined trifocal lensesIncluded in Prescription Glasses
Impact-resistant lenses for dependent children up to age 18
Lens Enhancements (Every 12 months)
Standard progressive lenses$0
Premium progressive lenses$95 - $105*
Custom progressive lenses$150 - $175*
Average savings of 30% on other lens enhancements, including impact-resistant lenses for adults
Contacts - Instead of Glasses (Every 12 months)
$150 allowance for contactsCopay does not apply
Contact lens exam (fitting and evaluation)Up to $60*
Network Information**
Get the most out of your benefits and greater savings with an in-network doctor: www.vsp.com / (800) 877-7195.
VSP guarantees coverage from in-network providers only. Coverage information is subject to change. In the event of a conflict between this information and your organization’s contract with UC ClearVision, the terms of the contract will prevail. Based on applicable laws, benefits may vary by location. In the state of Washington, VSP Vision Care, Inc., is the legal name of the corporation through which VSP does business.

* Coverage available from in-network providers only. Coverage information is subject to change. In the event of a conflict between this information and your certificate of insurance/coverage, the terms of the certificate will prevail. Plan availability varies by state.
** Call Member Services for out-of-network plan details.

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’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 Dental’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.

Monthly Rates

OptiSmile Monthly Membership Rates
Member$116
Member + 1 (Spouse or Child)$195
Member + Family$295
One-time enrollment fee may apply.

FAQ / About the Carrier

FAQ's

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

• Reside in an available state
• Adults age eighteen (18) or above
• Dependent children covered to age 26
• Common Law Spouses and Domestic Partners are accepted

Not available in: AK, DE, IA, ME, MD, MO, MT, NV, NM, NC, OR, PA, SD, UT, VT, WA, WV.