Principal Financial Dental Insurance Plans and Coverage Details

Principal Financial Dental Insurance Plans offer a range of coverage options to suit individual and family needs.

Their most basic plan, the Principal Financial Dental Indemnity Plan, covers 100% of costs for routine cleanings, X-rays, and exams, with a maximum annual benefit of $1,000.

This plan is a great option for those who want a simple, no-frills dental insurance plan that still provides essential coverage.

The Principal Financial Dental PPO Plan offers more comprehensive coverage, including 80% coverage for crowns, bridges, and dentures, with a maximum annual benefit of $2,000.

This plan is ideal for those who need more extensive dental work or want to have a wider network of providers to choose from.

Principal Financial Dental Insurance Plans also offer a range of discounts and incentives, including a 10% discount for paying premiums annually instead of monthly.

Principal Financial dental insurance offers a range of benefits and features to suit different needs and budgets. With Preferred Provider Organization (PPO) designs available in all states, you can choose a plan that fits your requirements.

You can opt for pre-paid and Dental Health Maintenance Organization (DHMO) designs in select states, providing flexibility in your dental insurance options. This means you can select a plan that suits your specific needs.

Principal dental insurance offers a range of key features, including:

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

The network of dentists available through Principal dental insurance is vast, making it easy to find an affordable dentist near you. Whether you need a holistic dentist or a family dentist, you can access quality dental care conveniently.

By choosing an in-network dentist, you can benefit from negotiated rates and reduced out-of-pocket expenses, making dental care more affordable.

Personalizing group dental insurance is a breeze with Principal dental insurance. You can select from a wide range of deductibles to suit your company's needs.

A higher deductible comes with a lower premium, but more out-of-pocket cost for employees. This is something to consider when determining the type of coverage that's right for you and your employees.

Family plans are available, offering comprehensive coverage and access to a network of dentists. This means you can ensure that your family receives the necessary dental care.

PPO Services Coverage is a key aspect of Plan Options and Customization. It's essential to understand what's covered under this plan.

Most PPO plans cover a wide range of services, including primary care visits, specialist visits, hospital stays, and surgeries. This ensures that you have access to quality medical care when you need it.

With a PPO plan, you can visit any healthcare provider who accepts your insurance, giving you flexibility in choosing your doctors and hospitals. You can see specialists without a referral from your primary care physician.

PPO plans often have a network of participating providers, which can help you save money on out-of-pocket costs. These networks typically include a large number of doctors, hospitals, and other healthcare providers.

In a PPO plan, you may have to pay a copayment or coinsurance for services outside of your network. However, you're still covered for emergency services, no matter where you receive them.

PPO plans usually have a maximum out-of-pocket limit, which protects you from excessive medical expenses. This limit varies by plan, but it's a crucial feature to consider when choosing a PPO plan.

You can choose from a wide range of deductibles to suit your company's needs. A higher deductible comes with a lower premium but more out-of-pocket cost for employees.

The type of coinsurance you select also influences the bottom line. You can pick from various options to find the right balance for your company.

Selecting the right maximums is also crucial. Each selection affects the premium and the amount your employees will pay out-of-pocket.

You can customize your dental coverage to fit your company's unique needs and budget.

You can choose to pay for all, part, or none of the premium with Principal dental insurance. If your budget is tight, employees could pick up the entire cost of premium with voluntary dental insurance.

The cost of the premium can be a flexible arrangement, allowing you to tailor it to your needs. This flexibility can be beneficial for those who are on a tight budget.

Principal dental insurance allows you to pay for the premium in a way that works best for you, whether it's all, part, or none of it.

Principal Financial Group has a large dental network with a nationwide reach, making it likely that fewer employees will need to change their dentists if you switch to Principal from another carrier.

You can utilize Principal's online resources to find dentists near you who accept your insurance. This includes searching for affordable dentists, reading patient reviews, and gathering information about their services.

Seeking recommendations from friends, family, or coworkers who have Principal dental insurance can also help you find a dentist who meets your needs and expectations.

If you're looking for in-network dentists with Principal Financial Group, you can check out the following providers:

Scheduling a consultation with a potential dentist allows you to discuss your oral health goals, ask questions about their services, and evaluate their compatibility with your needs.

Offering group dental insurance is a worthwhile investment for helping to attract and retain great talent. Many employees consider it an essential part of their benefits package.

Group dental insurance helps employees manage their out-of-pocket costs, and being covered makes it more likely they'll visit the dentist regularly. Regular routine, preventive care helps employees avoid dental issues down the road.

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. The coverage may include preventive care, restorative treatments, and other dental procedures based on the terms of your plan.

Offering group dental insurance is a great way to attract and retain top talent, as many employees consider it an essential part of their benefits package.

Regular dental visits are more likely to happen when employees are covered by insurance, which helps them avoid costly dental issues down the road.

Employees can manage their out-of-pocket costs by having access to dental insurance, making it a worthwhile investment for employers.

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.

Most dental insurance divides dental care into three service categories: preventive, basic, and major. Routine exams and cleanings are considered preventive care and are covered at 100%.

With Principal dental insurance, basic services like fillings are covered at 80%, and you're responsible for the remaining 20% of the cost. Major services like bridges are covered at a lower percentage, and you'll need to pay the rest.

If you don't have Principal Dental Insurance, there are other options to pay for your dental needs, such as our in-house dental plan that includes quality dental care, exams, and cleanings.