Dental Coverage
For groups with 100 or more employees

Independence Blue Cross (IBC) and United Concordia Dental, an independent company, work together to offer high quality, cost-effective dental plans* to meet your needs and support the health of your employees. We offer dental plans to both fully-insured and self-funded groups.

PPO Dental Plans

The United Concordia PPO plans have an extensive provider network: Advantage Plus, with nearly 80,000 providers; and Advantage, with nearly 60,000 providers. All plans cover oral exams, X-rays, cleanings, fluoride treatments, sealants, and palliative treatments at 100 percent in- and out-of-network. Other services like oral surgery, fillings, crowns, bridges, and dentures are also covered services under all PPO plans.

Concordia Flex

  • Minimum participation: For groups with 10+ employees, 70 percent of your employees; for groups with 2-9 employees, 100 percent of your employees
  • Coverage: Your employees are covered at the same percentage amount whether they are seeking care in- or out-of-network.
  • Funding: Employer-funded, Voluntary (employee-contributory)
  • Flexible and affordable plan options: You have the option to add extra coverage to increase the value of your coverage or you can keep your costs lower without adding these services.

Concordia Preferred

  • Minimum participation: For groups with 10+ employees, 70 percent of your employees; for groups with 2-9 employees, 100 percent of your employees
  • Coverage: Your employees may have a higher coverage percentage for in-network services than out-of-network services.
  • Funding: Employer-funded, Voluntary (employee-contributory)
  • Comprehensive plan designs: Diagnostic, preventive and orthodontic services are covered in- and out-of-network.
  • Freedom of choice: Employees can choose any provider, but receive significant cost savings when they receive care from in-network dentists.

Compare the PPO dental plans.

DHMO Dental Plans

DHMO dental plans are the lower-cost alternative to PPO dental plans. Members choose a primary dentist from the Concordia Plus network of the PA five-county area who will coordinate all of their care. Preventive services like oral exams and cleanings are covered once every six months, with little to no copayment. A host of other services like X-rays, fillings, root canals, oral surgery, crowns, bridges, and dentures are also covered under this plan; members are responsible for a copayment per service.

Concordia Plus

  • Minimum participation: 2 enrolled employees
  • Funding: Employer-funded, Voluntary (employee-contributory)
  • Members receive savings through reduced out-of-pocket expenses, no deductibles, and no annual maximums.

Groups with the Keystone Health Plan East medical product can choose to add one of the following dental plans to their benefits:

Basic Dental

  • Employer-funded
  • Members have no deductibles and no annual maximums.
  • X-rays and fillings are fully covered as needed.

Value Dental

  • Employer-funded
  • Members have no deductibles and no annual maximums.
  • Fluoride treatments are covered once every six months for children under 19.

Pediatric Dental

  • Employer-funded
  • Members have no deductibles and no annual maximums.
  • Fluoride treatments are covered once every six months.

Compare the DHMO dental plans.

Contact Us

If you are an existing customer, contact your broker or call 215-241-3400. If you are not currently an IBC customer, please call 215-241-2263.

*The plan availability is dependent upon group size and health plan selection.
United Concordia Dental is an independent company that administers and underwrites the dental programs. The Keystone DHMO is administered by UCD and underwritten by Keystone.
For specific information on benefits, limitations, and exclusions, please refer to the applicable benefits materials. Review the United Concordia Companies, Inc. Regulatory Information.