How Does Principal Dental Insurance Work?

Principal Dental insurance provides you and any covered family members with access to approved, high-quality, and routine care for your teeth and gums at a reduced cost, helping to protect you and family members against unexpected issues in the future, like cavities, crowns, and gum disease.

Key Advantages of Principal Dental Insurance

The Principal Plan® Dental Network is in all 50 states and even ranks #1 in size in many metropolitan areas.
No waiting period for dental coverage when purchased during your employer’s annual benefits enrollment.
On the Principal® app or at principal.com, you can review and manage your benefits and claims, as well as view and download your ID cards from the app.

How does Principal Dental Insurance Work?

Select the benefit through your employer- If your company offers Principal Dental Insurance in its benefits package, you can enroll in dental coverage for yourself, your spouse, and any dependents up to age 26. Depending on your employer’s specific policy, you could be responsible for a portion of the premium. This amount is usually a lower group rate and is taken out of your paycheck.
Receive dental services at a reduced cost- Principal Dental Insurance pays for all or a portion of any preventative, basic, or major procedures you and any covered family members receive, ranging from a routine exam and X-rays to dental fillings and dentures.
File your claim- Your dentist will usually file your claim with Principal Dental Insurance on your behalf, which is the preferred method. But if you submit your own claim, you will need to submit the dentist’s itemized statement and a copy of your ID card.

What Does Principal Dental Insurance Cover?

Principal Dental Insurance usually covers:

100% of preventative dental care costs, exams, cleanings, and X-rays.
80% of basic procedures, like fillings and extractions.
50% of major procedures, such as crowns, bridges, and dentures.

You are responsible for the remaining balance and deductible if applicable. Also, you can visit a specialist without a referral.

Not all services are covered with Principal Dental Insurance; just check your policy for specific information. For example, cosmetic procedures, like teeth bleaching and veneers, dental implants, or orthodontics, braces, might not be covered.

What Are In-Network vs. Out-Of-Network Dental Services?

In-network dental service means you pay less out-of-pocket because the fees are pre-established with Principal Dental Insurance. You will get more dental coverage and more benefits at the time of your service. If you visit an in-network dentist, it is easy; you pay a deductible and coinsurance, and your dental office will file the claim.
Out-of-network dental services are when you choose a provider who has not agreed to your dental insurance plan’s contracted rates with Principal Dental Insurance. Usually, these services will now be more costly, and your insurance plan will cover a lesser percentage of these higher charges. If you visit a non-network dentist, you will pay more for services and dental work, and it might be up to you to submit your claim.

What Are Oral Health Programs?

These four programs, periodontal, cancer treatment, oral health, and general anesthesia, give you the option to receive extra care or get a second opinion, and all four are included with your dental coverage.

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