United Concordia TRICARE Contractor Profile & Info | TRICARE.com

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United Concordia (specifically United Concordia Companies, Inc.) is the private dental insurance company that manages the **TRICARE Dental Program (TDP)**. Unlike the regional health contractors (Humana and TriWest) that manage medical care, United Concordia specializes exclusively in dental benefits for active duty family members and National Guard/Reserve members and their families.

## Who they are United Concordia is a subsidiary of Highmark Health and is headquartered in Harrisburg, Pennsylvania. They currently hold the TRICARE Dental Program (TDP) contract, which was most recently awarded as a multi-billion dollar contract to provide dental coverage to approximately 1.8 million beneficiaries worldwide. While the medical regions are split into East and West, United Concordia administers the TDP as a single global program.

## What they do As the TDP contractor, United Concordia is responsible for the following: * **Provider Network Management:** Maintaining a network of "participating providers" who agree to TRICARE's negotiated rates. * **Claims Processing:** Paying dental claims for covered procedures like cleanings, fillings, and orthodontics. * **Enrollment Services:** Managing monthly premium payments and eligibility verification through DEERS. * **Prior Authorizations:** Reviewing requests for complex dental work (like crowns or deep scaling) to determine medical necessity. * **Customer Support:** Operating call centers for members and dental providers. * **Overseas Management:** Coordinating dental care for beneficiaries living outside the United States.

## How to reach them * **Member Portal:** [uccitdp.com](https://www.uccitdp.com) * **Phone (CONUS):** 844-653-4061 * **Phone (OCONUS):** 844-653-4060 or 717-888-7405 * **Mobile App:** United Concordia Dental (available on iOS and Android) * **Mailing Address for Claims:** United Concordia TRICARE Dental Program P.O. Box 69451 Harrisburg, PA 17106-9451

## Service area United Concordia manages the TRICARE Dental Program **worldwide**. * **CONUS:** Includes the 50 United States, the District of Columbia, Puerto Rico, Guam, and the U.S. Virgin Islands. * **OCONUS:** Includes all other international locations and "remote" areas outside the United States.

*Note: This contractor does NOT manage dental for Active Duty service members (ADSMs). Active duty dental is generally handled at military dental clinics or through the Active Duty Dental Program (ADDP), also managed by United Concordia but under a separate contract.*

## Common issues & how to escalate * **Non-Participating Providers:** Many dentists "accept" TRICARE but are not "participating." This leads to members being balanced-billed for the difference. Always verify a provider is in the United Concordia TDP network via their website. * **Orthodontic Maxima:** A common frustration is the $1,750 lifetime orthodontic maximum (2026 rate). Once this is hit, United Concordia will not pay more for braces. * **Claims Denials for Medical Necessity:** If a claim for a crown or bridge is denied, you must file a formal appeal in writing within 90 days. * **Escalation Path:** 1. **Level 1:** Call the TRICARE Dental Program customer service at 844-653-4061. 2. **Level 2:** Request to speak with a supervisor or a "Grievance Coordinator." 3. **Level 3:** File a written appeal to the United Concordia Appeals Department (address above). 4. **Level 4:** If unresolved, contact the Defense Health Agency (DHA) via the TRICARE Dental Program office.

## Sources * TRICARE Dental Program Official Site: [https://tricare.mil/tdp](https://tricare.mil/tdp) * United Concordia TDP Portal: [https://www.uccitdp.com/](https://www.uccitdp.com/) * Defense Health Agency (DHA) Contract Awards: [https://health.mil/](https://health.mil/)