Dental Underwritten by:
Delta Dental Insurance Company
Marketed by:
Vision Administered by:
Dental for Everyone History
 In 2002, MorganWhiteGroup (MWG) was given the
opportunity to pilot Dental for Everyone in 7 states, Alabama,
Florida, Louisiana, Mississippi, Texas, Utah, and Georgia.
The Premier plan was the only option available in 2002. The
agreement was that MWG would assume 100% of the risk,
and provide all administration services with the exception of
eligibility and claims which was handled by DDIC.
 In mid 2006 MWG presented the results to Delta Dental and
asked for approval to add the PPO option, and make Dental
for Everyone available in all 16 enterprise states. The results
proved promising and Delta Dental agreed to MWG’s
requests and now shares in 50% of the risk.
Dental for Everyone History
(cont.)
 The first available effective date for the 16 state enterprise
rollout was February 1, 2007. In 1 1/2 years MWG has
tripled the total block of business that it took almost 4 years
to build.
 The success achieved in the first year can be attributed to
the implementation of an online enrollment system created
by MWG, the addition of the PPO option, the plan being
available in more states, and internet marketing.
Who is MorganWhiteGroup
 MorganWhiteGroup (MWG) is the name given to the holding
company, Morgan-White Group, Inc. Consisting of six
wholly owned subsidiaries, MWG is a licensed insurance
broker in 50 states, and has the ability to assume all, or
part of the risk associated with the various Life, Accident,
and Health insurance policies.
 Morgan-White Administrators, Inc. (MWA) is licensed or
exempt in 50 states and the U.S. Virgin Islands.
 MWA provides services to over 50 different insurers, and
over 1,000 employer groups comprising over 140,000
individuals.
Who is MorganWhiteGroup
(cont.)
 Morgan-White Administrators, Inc., (MWA) one of
MWG’s subsidiaries, provides the following TPA
services for the Dental for Everyone plan:
1.
Issue ID cards
2.
Bill and Collect premium
4.
Collect Issue Certificates of Coverage
5.
Eligibility information
6.
Pay Broker commissions and GA overrides
7.
Program Marketing
8.
Provide customer service related to services listed above
(DDIC handles issues related to eligibility and claims)
Plan Features
 Two plans to choose from:
1. Delta Dental Premier® (Premier)
2. Delta Dental PPO (PPO)
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Free choice of dentist
Benefits increase after the first and second years
Benefits of$1,200 per calendar year
$100 lifetime deductible on Ortho
6 month waiting period for Basic
Ortho benefits for dependents included at no extra charge
12 month waiting period for Major and Ortho
Keep your dental plan regardless of age
Services Covered:
Type 1
Your Deductible
Plan Pays
1st Year
Plan Pays
2nd Year
Plan Pays
3rd Year
Services Covered
Diagnostic and Preventive Procedures
$50 per person
per calendar
year for Types
1, 2, and 3
Procedures
Diagnostic: Routine periodic examination once
in a 6 month period.
80%
90%
100%
Preventive: Dental prophylaxis (teeth cleaning)
once in a 6 month period.
Radiography: Bitewing and full mouth x-rays.
Services Covered:
Type 2
Your Deductible
$50 per person
per calendar
year for Types
1, 2, and 3
Procedures
Plan Pays
1st Year
Plan Pays
2nd Year
Plan Pays
3rd Year
Services Covered
Basic Procedures (6 month waiting period)
Restorative: Amalgam fillings.
60%
70%
80%
Other: Space maintainers, recementation of
crowns.
Services Covered:
Type 3
Your Deductible
Plan Pays
1st Year
Plan Pays
2nd Year
Plan Pays
3rd Year
Services Covered
Major Procedures (12 month waiting period)
$50 per person
per calendar
year for Types
1, 2, and 3
Procedures
0%
40%
50%
Endodontics: Pulpal therapy and root canals.
Periodontics: Treatment of diseases of the
gums.
Oral Surgery: Extractions and other oral
surgery, including pre and post operative care.
Prosthetics: Gold restorations, crowns, bridges,
partials and complete dentures.
Other: Pontics, repair of crowns and bridges,
repair of full and partial dentures.
Services Covered:
Type 4
Your Deductible
$100 Lifetime
Plan Pays
1st Year
0%
Plan Pays
2nd Year
40%
Plan Pays
3rd Year
50%
Services Covered
Orthodontia Procedures (12 month waiting
period)
($350 calendar year maximum) ($1000 lifetime
maximum per person for this benefit)
Orthodontic benefits are only available for
eligible dependent children.
Rates
 If an individual or group becomes effective January through
June – they will have a rate guarantee until January.
 If an individual or group becomes effective July through
December – they will have a rate guarantee until July.
 After the first year, rates may be increased every 12 months.
 Rates are regional by zip codes and dependent upon where
the enrollee resides not where the company is
headquartered.
 All billing, administration, and association fees are included
in the stated rates.
 Participation can be 100% voluntary, but if Employer wants
to contribute they can.
Underwriting Guidelines
 Employees can mix and match programs
 No out of state participation requirements. Plan can not be
sold outside of enterprise locations.
 If a dependent is added mid year they will be treated as if
they were on the plan from day one.
 Adding an employee does not have to be a qualifying event.
 Employee can only switch plan options at renewal. i.e. from
PPO to Premier or vice versa.
 Maximum age for College students as dependents is 26 in
all states.
Enrollment
 Individual members must be enrolled online.
 Groups can enroll by filling out a paper application and
sending it to MorganWhite along with the List Bill form and
the Bank Draft Authorization if the group prefers to have
the premium drafted. The option of enrolling groups online
is also available should that method of enrollment be
preferred.
 All applications must be received by MorganWhite no later
than the 20th of the month to receive a 1st of the following
month effective date.
 MWG will provide GA’s and Brokers with coded links for
online enrollments. When an enrollment occurs via a coded
link it will ensure that both GA and Broker receive proper
credit.
Billing
 The group will be billed directly and can pay by check, bank
draft, or credit card.
 Drafts from bank accounts and credit cards will take place
between the 18th and 23rd of each month.
 List Bill is available for groups of 2 or more.
 If a member is on a list bill and leaves the group, he/she
has the option to keep their coverage and be set up on a
monthly bank or credit card draft, or any other billing
option available at that time.
Commissions
 A Broker commission of 10% first year, and 7% for renewals
is also built into the rates.
 The discount plan provides significant savings to you on eye
care and eyewear. By showing your Delta Dental ID card to any
EyeMed provider, you can obtain your discount. You can choose
from a nationwide network of optometrists, ophthalmologists
and opticians, as well as the nation’s leading optical retailers
such as LensCrafters, Sears Optical, Target Optical and most
Pearle Vision locations.
 Member will receive 20% discount on items purchased at
participating Providers not included under the plan coverage.
20% discount may not be combined with any other discounts or
promotional offers, and the discount does not apply to EyeMed
provider’s professional services, or contact lenses. Retail prices
may vary by location.