Is Principal Dental Insurance a Reliable Choice for Affordable Dental Care?

Principal dental insurance can be a reliable choice for affordable dental care, with a wide network of providers that include over 90,000 dentists across the US.

The insurance plan offers a range of coverage options, including preventive care, fillings, crowns, and root canals, with varying levels of out-of-pocket costs.

Principal dental insurance is particularly appealing to individuals and families who want affordable dental care without sacrificing quality.

With a comprehensive plan, you can expect to pay around $50-$100 per month for a single person, depending on your age and location.

See what others are reading: Dental Insurance and the Affordable Care Act

Principal Dental insurance is a top pick for many reasons. It's beneficial to patients because it offers personalized plans that cater to individual dental needs.

With Principal, you have the flexibility to choose the level of coverage that suits you best. They have impressive dental insurance plans that provide high value for the premiums.

Principal PPO plans allow you to choose your dentist and not be assigned one, giving you the freedom to get the dental treatment you want. This is a big plus, as it ensures you receive quality care at a guaranteed rate.

Principal makes it easy to access your benefits and plan information through their online system, which is easy to use and accessible through your smartphone or tablet.

Principal PPO plans provide good coverage at a reasonable price, with some plans covering the entire cost of preventative exams, bitewing X-rays, and cleanings. This is a huge cost savings, especially for routine care.

Principal dental insurance offers extensive coverage for a wide range of dental services, including restorative dentistry, emergency care, and routine checkups. This comprehensive coverage ensures you can address your oral health needs without financial worries.

By choosing an in-network dentist, you can benefit from negotiated rates and reduced out-of-pocket expenses with Principal dental insurance. This makes dental care more affordable, allowing you to prioritize your oral health without straining your budget.

Principal dental insurance has a vast network of dentists, making it easy to find an affordable dentist near you. Whether you're in need of a holistic dentist or a family dentist, Principal dental insurance ensures convenient access to quality dental care.

Recommended read: How Does Out of Network Dental Insurance Work

Principal dental insurance offers various plans to suit different needs and budgets. One of the key benefits is flexibility, with multiple price points to create a design that fits a wide range of budgets.

Principal PPO plans cover 100% of preventive care, such as dental cleanings, and 80% of basic procedures like dental fillings. However, these services can be subject to a deductible, unless you receive preventative or diagnostic care.

Principal Dental Low Plan provides 100% coverage for essential preventive care, while coverage for dental fillings and tooth removals begins after 6 months. You are estimated to be 100% covered for preventive care, 80% for basic procedures, and 0% for major procedures.

Principal Dental High Plan offers immediate 100% coverage for essential preventive care and lower out-of-pocket costs. You are estimated to be 100% covered for preventive care, 80% for basic procedures, and 50% for major procedures.

Principal Dental Plan offers an estimate of 50% coverage for dental implants, but keep in mind that waiting periods, annual maximums, and deductibles can significantly lower the amount of coverage.

A fresh viewpoint: How to Bill Medical Insurance for Dental Procedures

Principal dental insurance operates on a fee-for-service basis, where you pay a monthly premium and the insurance company helps cover the cost of your dental care.

You'll need to review the terms of your plan to understand what's covered, including preventive care, restorative treatments, and other dental procedures.

The premium you pay will help offset the costs of your dental care, giving you greater peace of mind and financial protection.

Preventive care, such as regular cleanings and check-ups, is often included in the coverage, helping to prevent more costly problems down the line.

Restorative treatments, like fillings and crowns, may also be covered, depending on the specifics of your plan.

You'll need to stay on top of your premium payments to keep your coverage in place and avoid any gaps in protection.

Broaden your view: Do I Need Dental Insurance to See Dentist

Principal offers several dental coverage plans to suit different needs and budgets.

You can choose from Principal PPO plans, which provide comprehensive dental insurance with flexible pricing options.

Principal Dental Low Plan offers 100% coverage for essential preventive care and 80% coverage for basic procedures after a 6-month waiting period.

The Principal Dental High Plan provides immediate 100% coverage for essential preventive care and lower out-of-pocket costs for basic and major procedures.

Principal covers braces, but there's a 6-month waiting period and a maximum orthodontic coverage limit of $1,500 per person.

Principal PPO plans cover an estimate of 80% of basic procedures like dental fillings and 100% of preventive care like dental cleanings.

You can visit any licensed dentist with Principal dental insurance, but choosing an in-network dentist can provide greater cost savings and streamline the claims process.

Principal covers dental x-rays with full (100%) coverage, and some policies only pay for bitewing x-rays every 12 months or full mouth x-rays every 5 years.

About 50% of the total cost of your Invisalign treatment will be covered by Principal Dental if your plan includes orthodontic benefits.

Principal Dental Plan offers an estimate of 50% coverage for dental implants, but waiting periods, annual maximums, and deductibles can significantly lower the amount of coverage you can use.

You might like: Life Insurance That Covers an Insured's Whole Life

Principal Dental covers an estimate of 80% of basic procedures such as tooth extractions, but be aware that these services may be subject to a deductible.

The company also offers full (100%) coverage of dental x-rays, with no waiting periods for diagnostic services like x-rays. However, some policies only pay for bitewing x-rays every 12 months, while full mouth x-rays are covered once every 5 years.

Principal Dental covers an estimate of 80% of basic procedures like dental fillings, while covering 100% of preventive care such as dental cleanings. Be aware that these services can be subject to a deductible, and your plan may impose time restrictions between certain services.

The cost of gum graft procedures, such as tissue grafts, is covered at an estimate of 50% by Principal Dental, but deductibles apply. It's essential to check with your insurance provider before the procedure to confirm the details.

Unlike some other types of insurance, dental insurance is not mandated, but it can be invaluable for unexpected dental expenses. For most people, having dental insurance makes better economic sense than going without, especially when considering the potential costs of procedures like crowns, root canals, and dentures.

Suggestion: Full Mouth Dental Implants Cost with Insurance