Principal Dental Insurance
Dental Insurance Exactly the Way You Need It
Principal dental insurance is offered by Principal Life, a national insurance company known for its solid network and sophisticated and prompt claiming process.
The company is backed by the Principal Financial Group, which also means it has a solid financial ground and is one of the most stable insurance providers around.
Principal Life aims to encourage citizens to place importance on their dental health as part of their overall health and wellness by giving them easy access to affordable preventive care.
The Principal dental insurance benefits is offered primarily to organizations who wish to provide affordable dental care support for their employees.
By doing so, organizations get the best productivity from their healthy employees by reducing the risks of missed work hours and extremely expensive dental procedures.
Below are some of the main options from Principal Dental.
Principal Dental Plan Options to Consider
Options available at Principal include:
- Principal Dental Insurance PPO Plan
- Exclusive Provider Organization
- Employer-Paid Dental Insurance
- Voluntary Employee-Paid Dental Insurance
1. Principal Dental PPO Plan
The Principal Dental Insurance PPO Plan is the main dental insurance plan offered by Principal Life.
This PPO plan operates under a PPO or Preferred Provider Organization network. Under this type of plan, the employees of the client organization can choose their own dentist and enjoy the benefits of the plan such as discounted rates for most dental procedures.
If the employees choose a dentist who belongs to the network, they are entitled to increased benefits. If not, they still get discounts but at a lesser percentage. Discounts average around 25%.
2. Exclusive Provider Organization
Principal Life also offers an Exclusive Provider Organization dental plan in selected markets in California.
In an exclusive provider arrangement, the clients are only allowed to seek dental care from dentists within the network in order to avail of discounts.
For those enrolled in this type of dental plan, theres no need to worry since Principal Life ensures that dentists are chosen through a proper credentialing and practice pattern to make sure members get the best quality of professional service they deserve. In fact, members can choose from one of the largest dental networks in the nation. The Principal Life dentist networks selection of dentists exceed 100,000 different locations scattered throughout the country.
3. Employer-Paid Dental Insurance
The companys main product is a dental insurance to be paid by employers in a cost-sharing arrangement.
The dental insurance plans are very flexibly designed to meet the specific needs of employees. This type of Principal dental insurance allows employers to choose from different contribution arrangements so they can decide whether to pay 100% or just a part of the premiums.
This type of dental plan covers all preventive services such as cleanings and exams as well as basic and major services. If employers enrol more than 10 employees, additional benefits can be received, such as the chance to choose the correct level of benefits that matches their needs.
4. Voluntary Employee-Paid Dental Insurance
As for employees who do not receive dental insurance as a benefit from their employers, they can avail of a voluntary type of Principal dental insurance.
This dental plan is available for all employees who are willing to pay for their own dental insurance. This package, however, can stand alone, or can also be used in combination with employer-paid plans.
The voluntary dental insurance offers affordable group rates for groups of employees and can be on a payroll deduction basis for easy payments. The different benefits are offered so flexibly that employees can receive the right kind of help that they need.
Additional Services from Principal
Principal dental insurance is not the only offer Principal Life has to give to the dental field. The company offers consumer-driven dental care, which focuses on bringing down costs and allowing plan holders to decide the right package for them.
Principal Life also offers the Principal Dental Health Edge, which offers reliable dental information to help instill proper dental care discipline among plan holders.
Members of the Principal Life dental plans can also look for their preferred dentists by using the provider directory that will help them find the right dentist or specialist who can help them with their needs for treatment.
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