Frequently Asked Questions

Yes

You can pay using MasterCard, Visa, Discover, American Express or bank draft.

DeltaVision is not a standalone benefit. You must be enrolled in a dental plan in order to be eligible for a vision plan.

There is a $50 person, $150 per family max deductible.

Cosmetic procedures are not available through the Essential or Superior Advantage® plans but some cosmetic procedures are covered through the Brighter Advantage® plan offered by Delta Dental of Tennessee.

No, there are no waiting periods for this plan.

Two cleanings are covered in a 12-month period. Some members with certain high-risk health conditions may receive additional cleanings.

There is no deadline to enroll. Applications submitted by the 15th of the month can become effective on the 1st of the following month. Any applications received after the 15th can become effective on the 1st of the second month.

You may want to call your dentist to confirm whether they are a Delta Dental dentist. If they do not participate in Delta Dental's network, they can charge potentially higher rates than the maximum plan allowance. This may affect how much more you pay out of pocket for procedures. To reduce your out of pocket expenses, we recommend you select a dentist who is in the directory.

8888593795 Insurance will appear on your statement as the charge for your premiums.

You can call Morgan-White (administrator for Delta Dental of Tennessee) at 1-855-844-0445. This plan is a 12-month contract and you will be unable to make any changes until the next open enrollment.

Yes, if you do not pay your premiums on time and you will not be able to re-apply for 12 months.

Yes, you may change your dentist at any time. Your out-of-pocket expenses may be less if you choose a Delta Dental PPO provider.

You may choose to pay a single annual payment, 4 quarterly payments or make 12 monthly payments.

To determine what is or is not covered by this plan, go to the dental plans page.

The annual maximum begins at $500 for Essential and Superior Advantage® and $750 for Brighter Advantage®. Each annual maximum can increase up to $1,500.

Orthodontia is not available through the Essential or Superior Advantage® plans but orthodontia is available through the Brighter Advantage® plan offered by Delta Dental of Tennessee. There is a lifetime maximum of $1,000.

Yes. There are some limitations and exclusions with this plan. Please review the disclosures for our Essential Advantage®, Superior Advantage®, and Brighter Advantage® Individual & Family Plans.

Coverage is offered to Tennessee residents who are 18 years of age or older plus their eligible dependents (spouse and children from birth to age 26).

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 the issuance of insurance. We advise you not to cancel any other insurance or assume you are insured under this plan until you receive your Certificate of Coverage.

Yes

You will receive your electronic enrollment package upon completion of enrollment and payment of applicable premiums/enrollment fees, or a few days prior to the selected effective date. This enrollment package will include your policy and temporary I.D. cards. You will receive a Welcome Packet in the mail within 4-6 weeks.

No. Once enrolled, the plan will automatically renew unless you send a cancellation notice. All cancellations require a 30-day notice via email to individualchanges@morganwhite.com or by fax to (601) 956-3795.

The $25 non-refundable enrollment fee plus your first month's premium is due at the time of enrollment. Banking/Saving account. Please allow up to 3 business days. Credit/Debit Card-will be taken immediately.

One of the advantages of visiting a Delta Dental PPO network dentist is that they 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 for reimbursement.

No, unless there is a qualifying event (proof required). These policies are 12-month contracts that will renew annually upon your benefit anniversary date. If you choose to cancel coverage upon the expiration of your policy, you must provide written notice of termination 30 days prior to the anniversary date via email to individualchanges@morganwhite.com or by fax to (601) 956-3795. Please note that you will not be able to re-apply for coverage for 12 months.