ABOUT THE PROGRAM
SABC has developed a dental and vision plan to provide affordable coverage for the State of Mississippi public retirees, their spouses, and eligible dependents under the age of 26. These plans offer:
- No limits on how long you can keep the coverage
- Both in- and out-of-network dental coverage
- Limited out-of-network vision coverage
- A large network of providers
Who is eligible for coverage under this plan?
Any individuals who are 18 years of age or older, and their eligible dependents (unmarried children from birth to age 26).
How many cleanings per year are covered with this plan?
Two cleanings are covered in a 12-month period.
Are cosmetic procedures covered?
This plan does not cover cosmetic procedures.
Is orthodontia covered?
No, orthodontia is not covered under this plan.
Is there a waiting period?
If you have dental or vision coverage with your current public employer, or are currently on COBRA continuation coverage with no lapse in coverage, your dental and/or vision plan will have no waiting periods. The goal is to provide you with seamless coverage from your current coverage to your new retiree plan.
Can I change my dentist once I’m enrolled?
Yes, you may change your dentist at any time.
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 issuance of insurance. We 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.
What is the deadline for enrollment?
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.
Does this plan have any limitations or exclusions?
Yes. There are some limitations and exclusions with this plan, as with most group insurance policies.
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 prior to the selected effective date. The enrollment package will include your Certificate of Coverage and I.D. cards.
Can I pay for my coverage with a credit card?
No. In order to sign up for the plan, you will be required to provide your banking information, so that your monthly premiums can be drafted.
When will my first payment be taken?
Your first month’s premium is due at time of enrollment.
When will I receive a billing statement?
The first draft will be deducted at the time of the application, and all future premiums will be auto-drafted each month from your checking or savings account. Payments are automatically deducted from your bank account on the 18th of the month for the following month’s premium. We do not send out paper billing statements.
Will I be able to cancel the dental plan after I’ve 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 via fax to (601) 956-3795.
What should I expect to see on my Bank Statement for my premium payments?
Insurance 8888593795 will appear on your statement as the charge for your premiums.
What if I need to make changes to my coverage (i.e. add/remove a dependent/spouse)?
Please call Morgan White at (877) 759-5726 to make changes to your coverage.
Can I change my payment type from monthly to another available option once I am in the plan?
Yes.
Do I need to obtain claim forms?
One of the advantages of visiting a Delta Dental network dentist is that the provider 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.
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.
Who do I call if I have questions?
Morgan White Group is the billing and enrollment agent, and will administer the auto-drafts for Southern Administrations and Benefit Consultants, Inc. Please call (877) 759-5726 for any questions.
