Frequently Asked Questions

Dental for Everyone Gold PPO w/Vision


Q:
How many times a year can I have my teeth cleaned?
One cleaning every 6 months.


Q: What is a pre-existing condition? Is it covered?
A pre-existing condition is an oral health condition, which existed before your enrollment in a dental program. The plan does not include an exclusion for pre-existing conditions.


Q: What is work in progress? Is it covered?
Work in progress is any oral health procedure that is started and not completed prior to your enrollment in a dental program. The plan does not cover any expenses prior to the date you are covered under the Policy.


Q: Are cosmetic procedures covered? If so, what procedures?
There are no benefits for cosmetic procedures.


Q: Is Orthodontia Covered? What are the Orthodontia benefits?
No.

Q: Do I need to obtain claim forms?
If the dentist does not file the claim, the member must obtain a claim form and file the claim themselves.


Q: Is there a waiting period?
Yes, there are some waiting periods with this plan.


Q: Is this insurance?
Yes.


Q: Can I change my dentist once I am in the plan?
Yes, you may change your dentist at any time.


Q: My dentist isn’t currently in the directory. What can I do?
Call member services and give us your dentist’s information. We will contact him/her about becoming a Provider.


Q: How long does it take to process my application?
If the application is submitted by the 19th of the month you will have a 1st of the following month effective date.


Q: When will I receive my new member kit and what will it include?
You will receive your new member kit via email within 2 business days. The kit will include the State specific policy information, Plan Summary and ID cards. If an email address is provided, the documents will be emailed to you by your Plan Administrator – Morgan White Group. To help ensure successful delivery of the email, please add enrollment@morganwhite.com to your safe senders list. If no email address is provided, the documents will be mailed to the physical address.

Q: If I choose to pay by credit card, what will my credit card statement read?
DENTAL 1800-800-1397.


Q: If I choose to pay by Bank Account Draft (ACH), what will my bank statement read?
DENTAL 1800-800-1397.


Q: Is the processing fee billed separately or with the premium?
The processing fee is billed at the same time the premium is billed.  However, there will be 2 charges to your account when the initial premium is drafted, one for the processing fee, and one for the premium due.


Q: Can I change my payment type once I am in the plan?
Yes.


Q: If I started with monthly payment, can I change it to annual payment at a later date?
Yes.


Q: Do the applicant name and the billing name need to be the same?
No.


Q: What if I need to change my membership from Individual to Family Coverage?
You can call our Customer Service Department and they can assist you with adding family members to the plan.


Q: How do I add or cancel coverage for a dependent?
You can call our Customer Service Department and they can assist you in adding or canceling coverage for any additional member(s).


Q: If I cancel the policy, will I receive a refund of the premium or processing fee?
You will only receive a refund if you have paid for your coverage in advance. For example, if you choose to pay annually, and you decide to cancel the plan after 10 months, you will receive a refund for 2 months premium. You will receive a refund of the premium only. The processing fee is non refundable.