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Principal Dental offers a range of plans that provide coverage tailored to your needs. Whether you’re looking for comprehensive dental insurance or a more affordable option, Principal has you covered. With their Preferred Provider Organization (PPO) plans, you can enjoy the flexibility to personalize your dental insurance for both yourself and your employees, all while saving money.
Principal Dental Cover Plans
Principal offers two main plans: the Low Plan and the High Plan. With the Low Plan, you can expect estimated coverage of 100% for essential preventive care. Coverage for dental fillings and tooth removals begins after 6 months, with an estimated coverage of 100% for preventive care and 80% for basic procedures. The High Plan offers immediate estimated coverage of 100% for essential preventive care, as well as lower out-of-pocket costs. You can also expect estimated coverage of 80% for basic procedures and 50% for major procedures.
Tooth Extraction Cost Coverage
When it comes to tooth extraction costs, Principal Dental’s PPO plan covers an estimated 80% of basic procedures such as tooth extractions. It’s important to note that these services may be subject to a deductible, which is the amount you must pay before your dental insurance kicks in, unless you receive preventive or diagnostic care.
Wisdom Teeth Removal Coverage
Principal Dental also covers wisdom teeth removal. Depending on your specific circumstances, a Principal Dental insurance plan typically covers between 50% and 80% of the total cost of your wisdom teeth removal procedure. The average out-of-network cost for surgical extractions of wisdom teeth is $3,120, which includes up to an hour of general anesthesia and the surgical removal of all four wisdom teeth from beneath the gum line. Non-surgical removal of third molars, on the other hand, has an average out-of-network cost of $720, while the surgical removal of a single wisdom tooth below the gum line costs around $550 per tooth.
X-ray Coverage Included
Principal Dental provides coverage for dental x-rays. Their plans offer full estimated coverage of dental x-rays, and there are no waiting periods for diagnostic services such as dental x-rays. While some policies only cover bitewing x-rays, one set every 12 months, others cover full mouth x-rays once every 5 years.
Braces and Invisalign Coverage
Principal Dental covers braces under both individual and group plans. However, there is a maximum orthodontic coverage limit of $1,500 per person and a 6-month waiting period. If you choose a higher premium plan, braces are covered. Invisalign treatment is also covered by Principal Dental, with an estimated coverage of around 50% of the total cost. However, it’s important to review the fine print in your insurance policy to ensure that orthodontic treatments like Invisalign are covered and to be aware of any potential restrictions or exclusions.
Dental Implant Coverage
Principal Dental offers an estimated 50% coverage for dental implants. Keep in mind that waiting periods, annual maximums, and deductibles may apply and can potentially reduce the amount of coverage available for teeth implants. Additionally, not all policies cover pre-existing conditions like missing teeth, so it’s important to check the specifics of your plan.
Principal Dental’s PPO plans cover an estimated 50% of major procedures, including dentures. However, it’s important to note that these services may be subject to a deductible, which is the amount you must pay before your dental insurance begins to cover the costs. Certain pre-existing conditions, such as missing teeth, may not be covered by some insurance plans. If you already have a condition when you sign up for your dental plan, you may need to pay for the procedure yourself.
Veneers and Gum Grafts Coverage
Principal Dental does not cover cosmetic procedures like veneers. However, they do cover an estimated 50% of the cost of tissue graft procedures, such as gum grafts. Deductibles also apply to these procedures, so it’s important to check with your insurance provider before undergoing them.
Cleaning and Tooth Fillings Coverage
Principal dental insurance covers an estimated 80% of basic procedures like dental fillings and 100% of preventive care such as dental cleanings. However, these services may be subject to a deductible, which is the amount you must pay before your dental insurance starts to cover the costs. Additionally, your plan may impose time restrictions between certain services, such as tooth fillings.
For more information on Principal Dental Insurance and their coverage, please visit Make You Smile.
DISCLAIMER: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information, please see the insurance company’s website or call the customer service or member services number listed on most insurance ID cards. Updated as of 3/27/2023. The above logo & trademarks are property of Principal Dental.