Principal Insurance Dental: Everything You Need to Know

Are you looking for a dental insurance plan that can help you manage the costs of oral health care? Look no further than Principal Insurance Dental. In this comprehensive guide, we’ll explore everything you need to know about this insurance provider, from coverage options to frequently asked questions. Read on to learn more.

What is Principal Insurance Dental?

Principal Insurance Dental is a dental insurance provider that offers a range of coverage options to help individuals and families manage the costs of oral health care. With a focus on preventive care, the company offers plans that cover routine check-ups, cleanings, and X-rays, as well as more extensive procedures like fillings, root canals, and crowns.

One of the key benefits of choosing Principal Insurance Dental is the flexibility that comes with their plans. Whether you’re looking for a basic plan that covers routine care, or a more comprehensive plan that includes major dental work, there’s an option to fit your needs and budget.

Types of Plans Available

Some of the most popular plans offered by Principal Insurance Dental include:

Plan Type	What’s Covered
Preventive	Check-ups, cleanings, X-rays
Basic	Fillings, extractions, root canals
Comprehensive	Crowns, bridges, dentures

By offering a variety of plans to choose from, Principal Insurance Dental ensures that customers can find coverage that suits their unique needs and budget.

How Much Does Principal Insurance Dental Cost?

Like most insurance providers, the cost of a Principal Insurance Dental plan will depend on a number of factors, including your location, age, and the level of coverage you choose. However, the company strives to keep its rates competitive and affordable for customers.

One way that Principal Insurance Dental helps customers save money is by offering discounts for preventative care. By taking steps to maintain oral health and prevent issues from arising, customers can reduce the need for more extensive and costly procedures down the line.

Sample Costs

To give you an idea of what you can expect to pay for a Principal Insurance Dental plan, here are some sample costs for different types of coverage:

Plan Type	Monthly Cost
Preventive	$30
Basic	$40
Comprehensive	$60

Note that these are only sample costs, and actual rates may vary depending on your individual circumstances.

What Does Principal Insurance Dental Cover?

One of the key benefits of choosing a Principal Insurance Dental plan is the wide range of procedures and treatments that are covered. Here are some of the most common services that are included in their plans:

Preventive Care

Preventive care is a cornerstone of oral health, and it’s one of the areas where Principal Insurance Dental excels. Their plans cover routine check-ups, cleanings, and X-rays, as well as other preventive measures like fluoride treatments and dental sealants.

Basic Procedures

For more common dental issues like cavities or gum disease, Principal Insurance Dental offers coverage for basic procedures like fillings, extractions, and root canals. These procedures are designed to address minor issues before they become more serious.

Major Procedures

If you need more extensive dental work, such as crowns or bridges, Principal Insurance Dental has you covered. Some plans even offer coverage for orthodontic treatment, such as braces, which can be a major expense for families.

Other Services

In addition to the above services, Principal Insurance Dental may cover other treatments and procedures as well. For example, some plans offer coverage for dental implants or TMJ treatment. Be sure to check your specific plan details for a full list of covered services.

How to Enroll in Principal Insurance Dental

Enrolling in a Principal Insurance Dental plan is fast and easy. You can do so directly through the company’s website or by speaking with a representative over the phone. Before enrolling, be sure to review the different plans available and determine which one is right for you.

After enrolling, you’ll receive information about your coverage and how to access the various services offered. With a Principal Insurance Dental plan, you can rest assured that you’ll be taking proactive steps to protect your oral health and save money on dental expenses.

FAQs

1. Does Principal Insurance Dental cover orthodontics?

Yes, some plans offered by Principal Insurance Dental cover orthodontic treatment, including braces.

2. Are there any waiting periods before coverage begins?

Yes, there may be waiting periods before certain services are covered. Be sure to review your specific plan details for more information.

3. Can I choose my own dentist?

Yes, in most cases you can choose any licensed dentist that you prefer. However, some plans may offer more coverage when using a network provider.

4. How are claims handled with Principal Insurance Dental?

Claims are typically submitted by the dental provider, and Principal Insurance Dental will pay benefits directly to the provider.

5. Is there a maximum annual benefit limit?

Yes, each plan offered by Principal Insurance Dental has its own annual benefit limit. Be sure to review the details of your plan to determine what this limit is.

In conclusion, Principal Insurance Dental offers a variety of dental insurance plans to meet the needs of individuals and families. With coverage for preventive care, basic procedures, and major dental work, you can rest assured that you’ll be able to manage the costs of oral health care. To learn more about their plans and to enroll, visit the company’s website or speak with a representative today.