Principal offers Preferred Provider Organization (PPO) designs in all states. Pre-paid and Dental Health Maintenance Organization (DHMO) designs are available in select states. The coverages they offer are the Low Plan and the High Plan.
Principal dental cover plans
Increase your savings and maintain flexibility with a Principal PPO plan. From comprehensive dental insurance to lower-cost options, you have the flexibility to personalize your dental insurance for you and your employees. And with multiple price points, it's easy to create a design to fit a wide range of budgets. Additionally, you can be sure that you will receive high-quality dental care because all dentists in the network have credentials proving they meet or exceed Principal’s requirements.
Principal Dental Low Plan
You get estimated 100% coverage for essential preventive care. Coverage for dental fillings and tooth removals begins after 6 months. You are estimated 100% covered for preventive, estimated 80% for basic procedures.
Principal Dental High Plan
You get immediate estimated 100% coverage for essential preventive care and lower out-of-pocket costs. You are estimate of 100% covered for preventive, estimated 80% for basic, and estimated 50% for major procedures.
Are you looking for a dental office where Principal Dental PPO is accepted? Our dentist that accepts Principal Dental PPO.
How does Principal dental covers tooth extraction cost?
According to Principal Dental, estimate of 80% of basic procedures such as tooth extractions are covered by the Principal Dental PPO plan. Be aware that these services may be subject to a deductible, which is the sum you must pay before your dental insurance begins to pay, unless you receive preventive or diagnostic care. Source
Is wisdom teeth removal covered by Principal dental?
Yes, Principal Dental covers wisdom teeth removal. Depending on your specific circumstances, a Principal Dental insurance plan normally covers between estimate of 50% and 80% of the entire cost of your wisdom teeth removal procedure. The average out-of-network cost of surgical extractions of wisdom teeth is $3,120. This price includes up to an hour of general anesthesia as well as the surgical removal of all four wisdom teeth from beneath the gum line. The average out-of-network cost of non-surgical removal of third molars is $720 while the average out-of-network cost of the surgical removal of a single wisdom tooth below the gum line is $550 per tooth.
Is X-ray coverage included in Principal dental?
Yes, Principal Dental covers dental x-rays. Principal Dental offers full estimated (100%) coverage of dental x-rays. Principal Dental plans do not require waiting periods for diagnostic services such as dental x-rays. However, some policies only pay for bitewing x‐rays, one set every 12 months, while full mouth x-rays once every 5 years.
Is Principal dental insurance cover for braces?
Yes, braces are covered by individual and group plans offered by Principal Dental. However, there is a maximum orthodontic coverage limit of $1,500 per person and a 6-month waiting period. In conclusion, if you choose a higher premium plan from Principal Dental, braces are covered.
Does Principal Dental cover Invisalign?
Yes, about estimated 50% of the total cost of your Invisalign treatment will be covered by Principal Dental if your plan includes orthodontic benefits. By checking the small print in your insurance policy, you can make sure that orthodontic treatments like Invisalign are covered. Watch out for a few provisions in the insurance policy, such as a non-covered expense clause, that could prevent you from receiving Invisalign coverage. You will not be covered for Invisalign if your insurance policy specifies that orthodontics are not covered services or expenses. Additionally, keep an eye out for restrictions and exclusions. There may be a clause limiting orthodontic benefits only for those who are 19 years of age or younger. All insured members who are older than 19 will not be eligible for the orthodontic benefit, including reimbursement for Invisalign treatment, due to this specific limitation.
Does Principal Dental accepted dental implant coverage?
Principal Dental Plan offers estimated 50% coverage for dental implants. However, keep in mind that waiting periods, annual maximums, and deductibles are applicable and that they can significantly lower the amount of coverage you can use for teeth implants. Don't expect to be able to buy insurance for dental implants if your teeth are already missing because not all policies cover pre-existing conditions like missing teeth. Source
Does Principal covers dentures?
According to Principal Dental, its PPO plans cover estimated 50% of major procedures including dentures. However, you must keep in mind that unless you receive preventative or diagnostic care, these services may be subject to a deductible, which is the amount you must pay before your dental insurance starts to pay. Certain pre-existing conditions, such as missing teeth, are not covered by some insurance plans. You may have to pay for your own procedure if you already had a condition when you signed up for your dental plan.
How much does veneers covered by Principal Dental?
Principal Dental does not cover cosmetic procedures such as veneers. Source
Principal Dental covers gum grafts?
Principal Dental covers estimated 50% of the cost of tissue graft procedures such as gum grafts. Deductibles apply. Deductibles are the amount you must pay before your dental insurance starts to pay. Before the procedure, be sure to check with your insurance provider.
Does Principal Dental cover cleaning and tooth fillings?
According to Principal dental insurance, their PPO plans cover estimated 80% of basic procedures like dental fillings while covering estimated 100% of preventive care such as dental cleanings. However, you should be aware that these services can be subject to a deductible, which is the sum you must pay before your dental insurance begins to pay, unless you get preventative or diagnostic care. Additionally, your plan may impose time restrictions between certain services, like teeth fillings.
For latest information, please visit: https://advisors.principal.com/wps/portal/advisor/products/group-voluntary-benefits/dental for more details.
DISCLAIMER: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information, please see the insurance company’s website or call the customer service or member services number listed on most insurance ID cards. Updated as of 06/05/2023. The above logo & trademarks are property of Principal Dental.