Dental Plan
Our dental plan is designed to keep you smiling year after year. Good dental health can have an impact on you as a whole, and dental problems can also be the first sign of a more serious health issue. Take advantage of one of our comprehensive plans through Principal, and keep up with your preventive dental care.
With the Point of Service (POS) network, you may receive care from any provider; however, when you receive care from a Principal EPO (Exclusive Provider Organization) or PPO (Preferred Provider Organization) network provider, your out-of-pocket expenses will be less than if you receive care from an out-of-network provider. Network providers agree to contracted rates, and the plan pays a percentage based on those rates. An out-of-network provider will usually charge more than what Principal has determined is the Usual, Customary and Reasonable (UCR), and you will be responsible for the difference between the UCR and what the dentist bills. Seeing a network provider will always allow your benefits to go further.
The deductibles and coinsurance percentages below indicate what you would be responsible for.
| Principal Dental | |||
|---|---|---|---|
| Key Features | EPO Provider (CA Only) |
PPO Provider |
Out-of-Network Provider |
| Calendar Year Deductible | |||
| Individual | $0 | $50 | |
| Family | $0 | $150 | |
| Preventive Services (no deductible) | No charge | No charge | |
| Basic Services | 10% | 10% after deductible | 20% after deductible |
| Major Services | 40% | 40% after deductible | 50% after deductible |
| Orthodontics (adults and children up to age 26) | 50% to $1,500 lifetime maximum | ||