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MWG VisionDental coverage is one of the most attractive benefits a company can provide its members. That's why MorganWhite offers a wide variety of dental programs designed to meet the needs of employers and members alike.
The MWG dental product portfolio includes both Indemnity and PPO Plans.
Dental plans are developed and customized to meet changing marketplace needs, and the individual needs of customers. We are committed to providing quality dental care and customer satisfaction at affordable prices through a spectrum of diverse dental plans. MWG members have access to a network of over 66,000 dental access points, and we are continually developing this network to support our customers.
Our dental product portfolio offers flexibility that promotes benefit plan choice to fit your budget and meet the needs of your members. We have almost 20 years of focused managed dental experience with an emphasis on maximizing cost savings while improving oral health outcomes. Within the portfolio, plans are developed and customized to address the changing marketplace and the individual needs of customers.
MWG Traditional Plans
Traditional Plans are available voluntary or employer paid. The Benchmark Plan The Open Choice Plan The Incentive Plan The Opportunity Plan Plan Type Reimbursement Method In/Out Diagnostic & Preventive Minor Restorative Oral Surgery Endodontics Periodontics Major Serivces Ortho (Child Only) Deductible Ded waived for D&P Annual Maximum Ortho Lifetime Maximum Waiting Periods:
New Groups: Vary by group size and plan design selected
Takeover Groups: No waiting periods for enrollees and their dependents who were enrolled in employer’s prior plan.DPO reimbursement is based on the negotiated provider fee schedule; UCR reimbursement is based on Usual, Customary, & Reasonable (UCR) charge.
• Optional 2 year Rate Guarantee
• All plans available Voluntary or Employer Paid for New or Takeover Groups
• New groups with 2-200 eligible, Takeover Groups 6-200 eligible, and a minimum of 10 enrolled for Orthodontia
• Flexible Plan Designs (Annual max, Ortho. max, and Deductibles)
• Flexibility to move Endodontics and Periodontics from 50% to 80%
• Dual Option Plans Available
• No Excluded Groups (some industry loads)
• Extensive National Network – Over 70,000 Providers
• Free Choice of Dentists
• No Participation Percentage for Voluntary Plans
• Standard Benefits, Limitations, and Exclusions Apply
MWG Immediate Coverage Plan
Plan Type Passive PPO Reimbursement Method In/Out Diagnostic & Preventive Minor Restorative Oral Surgery Endodontics Periodontics Major Serivces Ortho (Child Only) Deductible Ded waived for D&P Annual Maximum Ortho Lifetime Maximum DPO reimbursement is based on the negotiated provider fee schedule; UCR reimbursement is based on Usual, Customary, & Reasonable (UCR) charge.
• NO WAITING PERIODS
• Optional 2 year Rate Guarantee
• Voluntary or Employer Paid for New Groups
• New groups with 2-200 eligible
• Flexible Plan Designs (Annual max, Ortho. max, and Deductibles)
• No Excluded Groups (some industry loads)
• Extensive National Network – Over 70,000 Providers
• Free Choice of Dentists
• No Participation Percentage for Voluntary Plans
• Standard Benefits, Limitations, and Exclusions Apply
MWG Package Dental Plans
A two-layer approach to Dental
A B C Reimbursement Method In/Out DPO / UCR
Diagnostic & Preventive Minor Restorative Oral Surgery Endodontics Periodontics Discount Card
Major Serivces Orthodontics Deductible Ded waived for D&P Annual Maximum DPO reimbursement is based on the negotiated provider fee schedule; UCR reimbursement is based on Usual, Customary, & Reasonable (UCR) charge.
This Plan couples MWG Dental Insurance with a Discount Card to provide dental coverage for all services.
DISCOUNT CARD – This discount card is not insurance. The card provides discounts from network providers for all services not included under the insurance policy. (Including root canals, crowns, bridges, child and adult ortho, cosmetic treatments, bonding and veneers). No waiting and discounts ranging from 20% to 50%.
• NO WAITING PERIODS
• All plans available Voluntary or Employer Paid for New or Takeover Groups
• Plans A & B with 2-200 eligible and Plan C 6-200 eligible with a minimum of 6 enrolled
• No Excluded Groups (some industry loads)
• Insured Standard Benefits, Limitations, and Exclusions Apply
• Monthly Billing Fee- $5.00 with 2 to 5 enrolled and $10.00 with 6+ enrolled
Consumer MaxMultiplier
Consumer MaxMultiplier is a consumer-driven feature included with all of MWG Dental plan designs that puts dental care decisions directly in the hands of the consumer. You have the ability to increase your annual maximum each year at no additional cost.
Consumer MaxMultiplier is administered at the member level. This means each covered family member is eligible to earn his or her own awards.
You must use your dental benefit at least once during the covered benefit year.
If the total of all submitted claims paid does not exceed the established threshold amount, an award balance is established. (See table below) An award balance is the amount accumulated throughout the benefit period.
You qualify for an additional $100 bonus award, if all claims submitted during the benefit period are paid to network providers.
If the plan has a different network versus out-of-network maximums, awards are based on the out-of-network maximum.
If no claims are submitted during the benefit period, no awards are earned and there is no penalty or loss of any previously accumulated award balance. Should your group enroll in an MWG Dental plan or if you are a new hire in the last three months of the benefit year your participation in the Consumer MaxMultiplier will be deferred until the first month of the next full benefit period.
See Example. Different original annual maximums have different accumulations.
If you keep your claims below $500 per year, you will carryover $250 dollars toward your next year’s annual maximum. Earn an additional $100 carryover by making all your dental visits to one of our PPO providers. Maximum reward accumulation is $1,000. Awards have no cash value.
Important Policy Provisions
Coverage is subject to certain conditions, limitations and exclusions, which are detailed in the Group Policy as well as the Certificate. If there is a conflict between what is described in this brochure and Your Group Policy, the Group Policy will prevail. For a complete listing of the plan provisions, as well as any limitations and exclusions, please refer to the Group Policy
Any provision of the Group Policy which, on its Effective Date, does not agree with the laws of the state in which the Policy is written, will be amended to the minimum requirements of those laws.
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