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Plan introduction

Welcome to us! We make comparing dental and vision insurance plans easier to accomplish for employers, families, and individuals who are 18 years of age or older.
Within our extensive portfolio, you will find quotes from top carriers like Careington, Delta Dental, Nationwide Life, and Renaissance. Insurance for dental and vision services offers a wide variety of choices depending on your preferences.

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    Plans lookup

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    Enter your information

  • STEP

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    Enrollment

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Please use the right-sidebar to search for the dental and vision plans in your local area.

To get the information of suitable plans, enter your birthday, effective day, and a 5-digit zip code.

After viewing details of each plan, click “Buy Now” to purchase the plan you want.

Dental

Dental

 

We offer dental insurance plans and discount plans.

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Vision

Vision

 

Davis Vision and Vision Service Plan.

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Q&A

Q&A

 

We have some answers for your possible questions.

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Dental

We offer dental insurance plans and discount plans. Students can save up to 60 percent or more on various dental procedures including cleanings, routine checkups, and more complex procedures.

View our discount

If you have needed lots of dental work in the past or you think you may need a fair amount of dental work in the future you may be better off opting for dental insurance. A discount dental plan can be the perfect option for people who don’t have a whole lot of oral health issues but don’t want to completely go without some kind of dental health insurance plan.

Dental insurance is typically offered by an insurance company. In exchange for a monthly premium, the consumer enjoys the benefits of reduced rates, provider networks, and affordable copays. Most dental insurance plans also require an annual deductible, and in some instances, these plans also have an annual coverage limit.  With a dental health insurance plan, you pay a monthly premium.  In return, your insurance company pays for your cleanings, x-rays, emergency services, root canals, and anything else you might need in the way of oral health.  Whether you go to the dentist once a year or once a week, your monthly premium payments will be the same.

A dental discount plan is not insurance. Instead, you get a discount card that entitles you to savings on a variety of treatments and services. Your card may give you 30% off at your cleanings, or instead of percentage discounts, you might get special rates – like $100 for a dental checkup, instead of $200. That way, you will know exactly what your dental charges are going to be before you ever make an appointment! In addition, unlike traditional insurance plans, some dental discount plans also include coverage and discounts for cosmetic dental services, such as orthodontic services. However, a dental discount plan offers members low monthly fees, coverage even if they have a pre-existing condition, no waiting periods, no age limits, and, of course, valuable savings.

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As the nation’s leading provider of dental insurance, Delta enjoys two different networks: Delta Dental PPO and Delta Dental Premier. Plans and rates vary by state.

Delta Dental Premier is a fee-for-service plan that offers the largest network of dentists. Dentists under this plan have agreed to contracted fees with Delta Dental so you pay no more than your copay and deductible for covered services.

Delta Dental PPO is a preferred-provider option program. With Delta Dental PPO you have access to a network of dentists who accept reduced fees for covered services, giving you the lowest out-of-pocket costs. Delta Dental PPO is our second-largest dentist network. (https://www.deltadental.com/us/en/dental-insurance/individual-and-family-dental-plans.html)

The Renaissance PPO network combines leading national and regional PPO networks to offer maximum choice and value.

Renaissance Dental Products Feature:

Great coverage—Covered services include preventive care like routine exams and cleanings, plus dental procedures such as crowns and implants.

Hassle-free benefits—Dental offices participating in our nationwide PPO network will complete and file claims for you, so you don’t have to deal with paperwork or wait for reimbursement.

Exceptional customer service—Our Indiana-based customer support team answered more than 57,000 phone calls last year and answered 99% of calls on the first contact.

Multiflex Dental Insurance from Nationwide offers affordable dental coverage to individuals of all ages. Our Classic and Select Plus plans have maximum calendar year benefits of $1,500 or $2,000 and include:

  • Coverage for you and qualified family members
  • Coverage for certain preventative, basic and major services
  • Multiple premium payment options
  • Guaranteed acceptance
  • Easy online enrollment

If you are looking for diagnostic and preventive services only, our Advantage Plus Plan pays 80% toward cleanings and oral exams(up to $300 per calendar year).

Careington has been a trailblazer in the field of discount health care since 1979. Discount plans provide you with discounted prices on a wide range of health care services and products; you will pay for services at the discounted price at the time services are received.

Vision

The vision plan is mainly for the benefits of matching glasses, covering optometry, lenses, frames, and contact lenses (need to pay a small copay). The vision plan does not cover medical treatment of eye disease or injury, vision therapy, etc. The monthly premium (ranges from $6 to $20) plus the $35 non-refundable enrollment fee is your first-month premium. The higher the price, the more favorable the plan is.
When you need to use the vision plan, you just need to look up in-network provider according to the tips, take your membership list (ID card), and show the staff that you’re a member of VSP

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Q&A

Purchase question

  • Will I receive a renewal notice?

    No. Once enrolled, the plan will continue 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.

  • What are my options for selecting an Effective Date?

    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/BAI advise you not to cancel any other insurance or assume you are insured under the Group Dental Insurance Policy until you receive your Certificate of Coverage.

  • How to enroll without SSN?

    The enrollment requires to have an SSN. However, a member who doesn’t have an SSN yet and would like to purchase a dental insurance plan through us, we could assign a temporary ID.

  • What is the deadline for enrollments?

    There is no deadline to enroll. Applications submitted by the 20th of the month can become effective on the 1st of the following month. Any applications received after the 20th can become effective on the 1st of the second month.

  • When will my first payment be taken?

    A 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.

Product problem

  • Are cosmetic procedures covered?

    This plan does not cover cosmetic procedures.

  • Is orthodontia covered?

    Plans don’t cover adult orthodontics. But some plans have orthodontic benefits available for eligible dependent children.

  • Is there a waiting period?

    Most of the plans have a 6-12 waiting period for major procedures except Dental for Everyone and The No Wait Plan Renaissance MAX Choice plan.

Usage problem

  • Do I need to obtain claim forms?

    One of the advantages of visiting a network dentist is that he 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.

  • Who do I call for billing questions?

    1-877-759-5726.

  • When will I receive my enrollment package and what will it include?

    You will receive your enrollment package upon completion of enrollment and payment of applicable premiums/enrollment fees, or a few days before the selected effective date. The enrollment package will include your Certificate of Coverage and I.D. cards.

After sale service

  • Will I be able to cancel the dental plan after I have enrolled?

    Yes, your coverage may be canceled within 30 days with written notice. All cancellations require a 30-day notice via email to individualchanges@morganwhite.com or by fax to (601) 956-3795.

  • Can I change my dentist once I am in the plan?

    Yes, you may change your dentist at any time.

  • What if I need to make changes to my coverage (example: add or remove a dependent/spouse)?

    You can call on 1-877-759-5726.

Need help? Talk to us.

Kindness and patience are at the core of our customer support team. Our representatives will help you with any issues related with using your health insurance, doctor visits, downloading insurance IDs, and filing claims.

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