What is Principal Insurance?

Principal dental insurance provides you and any covered family members with access to high-quality and preventative, routine care for your teeth and gums at a reduced cost, which helps protect you against unexpected issues in your future, such as cavities, crowns, and gum disease.

Principal Insurance offers a Nationwide Dental Provider Network

Principal Insurance provides a network of over 136,000 dentists nationwide, so you can maintain your dentist or find one nearby.

In-network dental service means you pay less out-of-pocket since fees are pre-established with Principal Insurance. You receive more dental coverage and more benefits at the time of your appointment. If you visit an in-network dentist in the USA, it is easy: you pay a deductible and any coinsurance, and your dentist will complete and file the claim.
Out-of-network dental services occur when you choose a provider who has not agreed to your dental insurance plan’s contracted rates with Principal Insurance. These services will be more costly, and your insurance plan usually covers a lesser percentage of the higher charges. If you visit a non-network dentist in the USA, you will pay more for services and dental work, and it might be up to you to submit your claim to Principal Insurance.

Principal Insurance has never stopped learning, growing, and adapting. Today, they continue to lead with their core values. Their corporate culture is powered by people and led by a diverse management team. Their 20,000 employees, located in 27 nations and territories in Asia, Australia, Europe, Latin America, the Middle East, and North America, drive change in their own communities.

What Does Principal Dental Insurance Cover?

Principal dental insurance usually covers:

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

You are then responsible for any remaining balance and deductible if applicable. You can also see a specialist without a referral.

Key Advantages of Dental Coverage Through Principal Insurance

The Principal Plan® Dental Network is in 50 states and 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 view and manage both your benefits and claims, as well as view and download your ID cards from the app.

How Does Principal Insurance Work?

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

Not all dental services are covered under Principal Insurance. For example, cosmetic procedures, like teeth bleaching and veneers, dental implants, and braces, might not be covered.

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