Frequently Asked Questions

We know that you have questions when making decisions on dental coverage. We have answers. We've assembled a set of frequently asked dental insurance related questions to help you get the answers you need quickly. 

Should you have questions that are not answered here, please contact us directly at (855) 844-0445. We strive to answer every inquiry quickly and accurately.


Is this insurance?


How do I pay Delta Dental for my dental coverage?

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


What payment methods do you accept?

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


What is not covered by this plan?

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


Can I enroll in vision only?

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


What is the annual maximum?

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.


Will there be a deductible?

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


Is orthodontia covered?

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.


Are cosmetic procedures covered?

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.


Does this plan have any limitations or exclusions?

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.


Is there a waiting period?

No, there are no waiting periods for this plan.


Who is eligible for coverage under this plan?

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).


How many cleanings are a year covered with this plan?

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


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


What is the deadline for enrollments?

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.


Can I change my payment type from monthly to another available option once I am in the plan?



If my dentist isn't currently in the directory, what can I do?

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.


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

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.


When will I receive a billing statement?

Payments are automatically deducted from the credit card or bank account supplied to us at time of enrollment on the 18th of every month for the month ahead. We do not send out paper billing statements.


What should I expect to see on my Bank/Credit Card Statement for my premium payments?

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


Will I receive a renewal notice?

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


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

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.


When will my first payment be taken?

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


Can my coverage be canceled?

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


Do I need to obtain claim forms?

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.


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

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.


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

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 or by fax to (601) 956-3795. Please note that you will not be able to re-apply for coverage for 12 months.

*The above information provides only a sample of benefits. For complete coverage details, please call Morgan & White Customer Service for Delta Dental at (855) 844-0445.