Dental insurance provides you and your family members who are covered access to high-quality and routine dental care for your teeth and gums at a reduced cost, which helps to protect you against unexpected issues in the future, like cavities, crowns, and gum disease.
What is the Principal Dental Access Plan?
The Principal® Dental Access Plan is a dental discount plan, not dental insurance, which provides immediate access to reduced fees for dental services. Unlike insurance, there are no waiting periods, no deductibles, no annual maximums, and no claim forms to file. This money-saving program is available to anyone of all ages, offering discounts of 15% to 60% on dental care at thousands of participating dentists and specialist locations. You just show your membership card at a participating office to receive discounted rates on dental services.
How the Principal Dental Access Plan Works
Principal® Dental Access Plan is a dental discount plan designed to save on the cost of dental care. For a low monthly or yearly membership fee, you will have access to discounts on all your dental procedures at any of their participating provider locations nationwide.
They are energetically working on expanding Principal® Dental Access Plan nationwide. They are currently available in all states except Florida, Illinois, and Nevada. For these listed states, please visit newdentalchoice.com for your discount dental plan needs.
Choose Your Plan with Principal Insurance
Principal Insurance has never stopped learning, growing, and adapting. Today, they continue to lead with their core values. Their culture is powered by people and led by a diverse management team. Their 20,000 employees drive change in their own communities.
- Individual dental plans that help you save money.
$96/year*
$8/month*
Their individual dental discount plans fit both your budget and your individual needs. Because they know when you need dental care, an easy, affordable plan will take the worry out of an experience that can be stressful. Whether you are a student, a young professional, a senior, or a single adult, they have a plan for you.
- Family dental plans that fit your budget.
$120/year*
$10/month*
With a family dental discount plan from Principal® Dental Access Plan, your family will smile brighter at a price you will love. Their family plans are designed for two or more people, including you, your spouse or partner, and your eligible dependents up to age 26.
* A one-time, non-refundable activation fee, $10 for yearly/$25 for monthly, will be applied. Cancel within the first 30 days for a full refund, less than the activation fee.
A Dental Discount Plan for Anyone
Whether you have an individual or a family dental discount plan, you will have:
- Access to more than 300 procedures is discounted between 15% and 60% from the standard charges.
- No waiting periods, deductibles, or spending limits, and no paperwork.
- Over 100,000 participating provider locations nationwide to choose from.
A Nationwide Dental Provider Network
Principal Insurance provides a network of over 136,000 dentists nationwide, so you should be able to keep your dentist or find one nearby.
- In-network dental services are when you pay less out-of-pocket because fees are pre-established with Principal Insurance. You receive more dental coverage and more benefits at the time of service. If you visit an in-network dentist, it is easy: you pay a deductible and coinsurance, and your dentist files the claim.
- Out-of-network dental services occur when you choose a provider who has not agreed to the contracted rates with Principal Insurance. These services are usually more costly, and your insurance plan covers a lesser percentage of these higher charges. If you visit a non-network dentist, you will pay more for services.
Related Article: How Does Principal Dental Insurance Work?