Coast Dental and TRICARE: Costs and Coverage Guide 2026

*TRICARE.com is an independent reference site and is not a government agency. For official policy and the most up-to-date information, please visit TRICARE.mil.*

## Quick answer Coast Dental is a private dental provider network, not a TRICARE plan. Most Coast Dental locations accept the **TRICARE Dental Program (TDP)**, administered by United Concordia, and the **Federal Employees Dental and Vision Insurance Program (FEDVIP)**, administered by various carriers like Delta Dental. To use these benefits at Coast Dental, you must ensure the specific office is an "in-network" provider for your specific plan.

## In detail Coast Dental operates over 100 practices across Florida and Georgia. Because TRICARE does not provide comprehensive dental care for most beneficiaries in military clinics (MTFs), most families and retirees must use private practices like Coast Dental.

### TRICARE Dental Program (TDP) The TDP is for active-duty family members and National Guard/Reserve members. It is managed by **United Concordia**. * **Network Status:** Coast Dental often participates as a "Network Provider." Using an in-network provider at Coast Dental means you pay significantly less out-of-pocket because they agree to United Concordia's negotiated rates. * **2026 Cost Shares:** For most basic services (fillings), you typically pay 20%. For complex services (crowns, bridges), the cost share is 50%. Professional cleanings and twice-yearly exams are covered at 100%.

### FEDVIP (For Retirees and Family) Retired service members and their families are eligible for dental coverage through **FEDVIP**, which replaced the old TRICARE Retiree Dental Program. * **Carriers:** Common carriers include Delta Dental, MetLife, and UnitedHealthcare. * **Coast Dental Participation:** You must verify which specific FEDVIP carrier Coast Dental accepts at your local branch. Each branch may vary.

### Accessing Care at Coast Dental 1. **Verification:** Before booking, call the Coast Dental office and ask: "Are you an in-network provider for the United Concordia TRICARE Dental Program?" 2. **Referrals:** Active-duty service members generally do not go to Coast Dental unless they have an **Active Duty Dental Program (ADDP)** referral from United Concordia because their primary care is handled at military dental clinics. 3. **Billing:** Coast Dental will typically file the claims directly with United Concordia or your FEDVIP carrier. You are responsible for the remaining cost-share at the time of service.

Summary Comparison Table (2026 Estimates)

## Who this applies to * **Active Duty Family Members:** Can use Coast Dental via the TRICARE Dental Program (United Concordia) for routine and specialty care. * **National Guard & Reserve:** Eligible for the TDP; Coast Dental serves as a civilian network option. * **Retirees and their Families:** Can use Coast Dental if the specific office participates in their chosen FEDVIP dental plan (e.g., Delta Dental or Blue Cross Blue Shield FEP Dental). * **Active Duty Service Members:** Only applies if they live in a remote area or have a specific ADDP referral to a Coast Dental location.

Common scenarios

**Scenario 1: The Annual Cleaning** An active-duty spouse visits Coast Dental in Orlando, FL, for a 6-month checkup. Because Coast Dental is in-network with the TRICARE Dental Program (2026), the spouse pays **$0** out-of-pocket for the exam, X-rays, and cleaning.

**Scenario 2: The Dental Crown** A TRICARE-eligible Reservist needs a porcelain crown at a Coast Dental office in Atlanta, GA. The negotiated rate is $900. Under the TDP 2026 cost-share rules, the Reservist pays **$450** (50%), and United Concordia pays the remaining $450.

**Scenario 3: A Retiree with FEDVIP** A military retiree with Delta Dental (via FEDVIP) visits Coast Dental for a filling. If the filling cost is $150 and their specific FEDVIP plan has a 20% cost-share, the retiree pays **$30** at the front desk.

## Related terms * **United Concordia:** The current contractor that administers the TRICARE Dental Program worldwide. * **FEDVIP:** The Federal Employees Dental and Vision Insurance Program, used by retirees for dental coverage. * **Cost-Share:** The percentage of the total bill that the patient is responsible for paying. * **In-Network:** A provider who has a contract with the insurance company to accept specific, lower rates. * **Beneficiary Web Enrollment (BWE):** The portal where users sign up for dental coverage.

## Sources * **TRICARE Dental Program (United Concordia):** https://www.uccitdp.com/ * **TRICARE Dental Overview:** https://www.tricare.mil/Dental * **FEDVIP (BENEFEDS):** https://www.benefeds.com/ * **Coast Dental Official Site:** https://www.coastdental.com/