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MWG Vision

Dental 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.

Standard plans are available voluntary or employer paid. The Benchmark Plan The Open Choice Plan The Incentive Plan The Opportunity Plan
Plan Type
Indemnity
Passive PPO
Incentive PPO
Passive PPO
Reimbursement Method In/Out
UCR
DPO/UCR
DPO
UCR
DPO/DPO
Diagnostic & Preventive
100%
100%
100%
80%
100%
Minor Restorative
80%
80%
80%
60%
80%
Endodontics
50%
50%
50%
40%
50%
Periodontics
50%
50%
50%
40%
50%
Oral Surgery
50%
50%
50%
40%
50%
Major Serivces
50%
50%
50%
40%
50%
Ortho (Child Only)
50%
50%
50%
40%
50%
Deductible
$50/150
$50/150
$50/150
$50/150
Ded waived for D&P
Yes
Yes
Yes
Yes
Yes
Annual Maximum
$1,000
$1,000
$1,000
$1,000
$1,000
Ortho Lifetime Maximum
$1,000
$1,000
$1,000
$1,000
$1,000
Waiting Periods:


 New Groups: 12 months for Endodontics, Periodontics, Oral Surgery & Major Services (all enrollees)
Takeover Groups: No waiting periods for enrollees & 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.

• DOWNLOAD: Optional plan design changes for the Standard plans (PDF)

 

PPO Plan Advantages

  • Extensive national network
  • Substantial cost savings from network dentists
  • Flexibility to see dentist outside the network
  • Reduced administrative burden for employer
  • Overall health and productivity benefits for employee and employer
  • Claims accuracy and ease – no claim forms to submit for network coverage
  • Utilization management
  • Superior customer service
  • Dentist credentialing

Indemnity Plan Advantages

  • Comprehensive dental plan
  • Balances flexible benefits with employee cost sharing
  • Freedom to see dentist of choice
  • No referrals required for dental specialists
  • Pay the dentist for services performed
  • Submit a claim for timely reimbursement

Custom plans available upon request.

Shelf rates for new groups with 2-200 enrollees; shelf rates for takeover groups with 10-200 enrollees.

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