NEW for 2027: Dental insurance will be provided through United Concordia's Elite Plus Network. If you do not make any changes in ADP during Open Enrollment, your current dental coverage will automatically transition to United Concordia for 2027.

2027 enhancements include:  preventive services will no longer count toward the Annual Maximum Benefit under both the High and Low Plan, the United Concordia High Plan will now provide 60% coverage for implants, and the United Concordia Low Plan will now include coverage for surgical extractions. All other dental benefits and coverage levels will remain unchanged.

ID CARDS: United Concordia will send a welcome letter with a paper ID card. Employees are encouraged to register for online portal acces, where you can save a digital ID cards, print replacement cards, monitor claims, and locate in-network providers. Please register HERE. 

Eligible employees may purchase voluntary dental insurance available through United Concordia Dental. Employees have the option of High or Low coverage. Both plans offer coverage for Preventive and Basic services. The High option provides additional coverage for 60% of Major services to an Annual Maximum Benefit of $2,000.00 per covered individual and a Lifetime Maximum Benefit of $2,000.00 for orthodontia (for covered dependents under 19). The Low option provides additional coverage for 50% of Major services up to an Annual Maximum Benefit of $1,500.00 and does not have orthodontia coverage. Additionally, the Low Plan does not have coverage for certain items such as crowns, bridges, dentures and implants. Please review the document titled Untied Concordia Benefit Summary below to review detailed information on coverage. Preventive care does not have a deductible under either plan and does not apply to the Annual Maximum Benefit Any other services have a $25.00 deductible for employee only coverage, a $50.00 deductible for two-person coverage, or a $75.00 deductible for family coverage. Participants accessing a network provider will have the least out of pocket expense, but there is still coverage if you access an out of network dentist.  The rates listed below are monthly rates for 2027.

Rates Employee Employee + 1 Family
High Plan $43.23 $84.60 $143.99
Low Plan $29.71 $57.41 $94.81