FAQ's

What is the difference in the Premier vs the PPO Plan?

The main difference is the network of dentists. The Premier network is larger than the PPO.  Also, under the Premier plan, your benefits are paid out based on a UCR (Usual, Customary, and Reasonable charge); whereas, with the PPO plan, your benefits are paid out base on a reduced PPO fee schedule.  If your dentist is not in network with the plan that you select, they can balance bill you the difference between what they charge and what is allowed by Delta under that plan.  It is always best to select the plan in which your dentist is contracted for.

How many cleanings a year are covered with this plan?

One cleaning is covered every 6 months.

Are cosmetic procedures covered?

This plan does not cover cosmetic procedures.  Implants are considered to be cosmetic.

Is orthodontia covered?

Yes. With the Diamond and Platinum plans through Delta Dental, there is an orthodontic benefit for dependent children under the age of 19.  See chart under "Delta Plan Comparisons" tab which outlines orthodontic benefits on both plans.  There is a 12 month waiting period before those dependent children will be elligible to use the orthodontic benefit.

Do I need to obtain claim forms?

One of the advantages of visiting a Delta Dental network dentist is that he will file the claim on your behalf. However if services are provided by an out of network dentist, you may be required to file a claim yourself. Download claim form.

Is there a waiting period?

Yes, there are waiting periods with these plans.  There is a 6 month waiting period before you are covered on basic procedures such as fillings and a 12 month wait on major work such as crowns, root canals, oral surgery, dentures, and orthodontics.  There is no waiting period on cleanings and x-rays.  The waiting periods are industry standard and cannot be waived.

Is this insurance?

Yes, this is not a discount plan or an HMO, it is actual dental insurance.

Can I change my dentist once I am in the plan?

Yes, you may change your dentist at any time.

If my dentist isn't currently in the directory, what can I do?

You may want to call your dentist to confirm whether he is a Delta Dental dentist. If he does not participate in Delta Dental's networks, he can charge potentially higher rates than a Delta Dental dentist. This may likely affect how much more you pay out of pocket for procedures. To reduce your out of pocket expenses, you can select a dentist that is in the directory.

What is the deadline for enrollments?

Applications submitted by the 20th of the month can become effective on the 1st of the following month. Any applications received after the 20th can become effective on the 1st of the second month.

When will I receive my enrollment package and what will it include?

You will receive your enrollment package upon completion of enrollment and payment of applicable premiums/enrollment fees. The enrollment package will include your Certificate of Coverage and I.D. cards.  This will be delivered to the e-mail address that you supply at the time you enroll from enrollment@morganwhite.com.

What should I expect to see on my Bank /Credit Card Statement for my premium payments?

DENTAL 1800-800-1397 will appear on your statement as the transaction for your premiums.

Can I change my payment type from monthly to another available option once I am in the plan?

Yes. You can call Morgan White's Customer Service Department at 1-800-800-1397 ext 2252 to change payment mode and or type.

What if I need to make changes to my coverage (example: add or remove a dependent/spouse)?

To make changes to your coverage, we have to have something in writing from you, the insured.  To do this, simply send an email to individualchanges@morganwhite.com that includes the name of the insured, the insured's date of birth, and the changes that you wish to make to your policy.

Who is eligible for coverage under this plan?

Any individuals who are 18 years of age or older, and their eligible dependents (unmarried children from birth to age 26).  Delta Dental will not write a child only policy, there has to be a parent enrolled on the plan with the child if the child is under the age of 19.

What are my options for selecting an Effective Date?

Plan effective dates are always the 1st of the month. Incomplete enrollment forms or failure to submit the required initial premium amount may cause an initial delay in issuance of insurance. We/BAI advise you not to cancel any other insurance or assume you are insured under any insurance policy until you receive your Certificate of Coverage.

Will I be able to cancel the dental plan after I have enrolled?

Yes, your coverage may be canceled within 30 days with written notice.

Does this plan have any limitations or exclusions?

Yes. There are some limitations and exclusions with this plan, as with most dental insurance policies. Before purchasing a policy, please read all policy explainations. 

Can my coverage be cancelled?

Yes, if:

• you do not pay your premiums on time;
• you are no longer a member of the Association; or
• the dental insurance policy with Benefits Association, Inc. is terminated/cancelled for any reason