The Principal Insurance Dental: Coverage, Benefits, and How to Choose the Best Plan

Dental health is a crucial part of overall well-being, yet many people neglect it due to high treatment costs. Principal Insurance Dental offers a solution by providing affordable, comprehensive coverage for preventive, basic, and major dental procedures.

Whether you’re an individual seeking coverage or an employer looking for group benefits, understanding Principal’s dental insurance options can help you make an informed decision. This guide explores everything you need to know—from plan types and coverage details to cost comparisons and enrollment steps.

2. What Is Principal Insurance Dental?

Principal Financial Group is a leading insurance provider offering dental plans alongside life, disability, and retirement benefits. Their dental insurance helps policyholders manage costs for routine check-ups, fillings, crowns, and even orthodontics.

Principal’s dental plans are designed for:

• Individuals & Families – Customizable plans for varying needs.

• Employers – Group benefits to attract and retain employees.

• Retirees – Supplemental coverage for Medicare gaps.

3. How Dental Insurance Works

Dental insurance operates similarly to medical insurance but focuses exclusively on oral health. Key components include:

• Premiums – Monthly or annual payments to maintain coverage.

• Deductibles – Out-of-pocket costs before insurance kicks in.

• Copayments & Coinsurance – Shared costs between insurer and patient.

• Annual Maximums – The highest amount the insurer pays per year.

 Dental Insurance Cost Structure Example

4. Types of Principal Dental Insurance Plans

A. Preferred Provider Organization (PPO)

• Pros: Flexibility to visit in-network or out-of-network dentists (higher costs for out-of-network).

• Cons: Higher premiums than DHMOs.

B. Dental Health Maintenance Organization (DHMO)

• Pros: Low-cost premiums, no deductibles.

• Cons: Must use in-network dentists; referrals needed for specialists.

C. Indemnity Plans

• Pros: Freedom to choose any dentist.

• Cons: Higher out-of-pocket costs; requires claim submissions.

D. Discount Dental Plans

• Not insurance, but offers reduced rates at participating dentists.

5. Key Benefits of Principal Dental Insurance

• Preventive Care Coverage – Cleanings, X-rays, and exams often fully covered.

• Cost Savings – Negotiated rates with in-network dentists.

• Orthodontic Benefits – Some plans cover braces for children and adults.

• Nationwide Network – Access to thousands of dentists.

6. What Does Principal Dental Insurance Cover?

A. Preventive Care (100% Coverage Typically)

• Routine cleanings

• Fluoride treatments

• Oral exams

B. Basic Restorative Services (70-80% Coverage)

• Fillings

• Simple extractions

C. Major Restorative Services (50% Coverage)

• Crowns

• Bridges

• Dentures

D. Orthodontic Coverage (Lifetime Maximum Often Applies)

• Braces for children & adults

7. What’s Not Covered by Principal Dental Insurance?

• Cosmetic procedures (teeth whitening)

• Experimental treatments

• Pre-existing conditions (in some plans)

8. How to Choose the Best Principal Dental Insurance Plan

• Assess Needs – Do you need basic care or major procedures?

• Compare Costs – Premiums vs. out-of-pocket expenses.

• Check Dentist Networks – Is your preferred dentist in-network?

• Review Waiting Periods – Some plans impose 6-12 months for major work.

• Evaluate Annual Maximums – Higher limits mean better coverage.

9. Principal Dental Insurance vs. Other Providers

10. How to Enroll in Principal Dental Insurance

1. Visit Principal’s Website – Browse plans.

2. Get a Quote – Enter ZIP code and needs.

3. Compare Plans – Review benefits and costs.

4. Apply Online – Complete enrollment.

11. Frequently Asked Questions (FAQs)

Q: Does Principal cover dental implants?
A: Some plans cover implants under major services (50% coinsurance).

Q: Is there a waiting period for fillings?
A: Basic services usually have little to no waiting period.

Q: Can I keep my current dentist?
A: Yes, if they’re in-network for PPO plans.

12. Conclusion

Principal Insurance Dental offers flexible, affordable coverage for individuals, families, and businesses. By comparing plan types, understanding coverage limits, and evaluating costs, you can choose the best policy for your needs. Prioritize preventive care to maximize benefits and maintain optimal oral health.

13. Additional Resources

• Principal Dental Insurance Official Site

• American Dental Association (ADA)

• National Association of Dental Plans (NADP)