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1 User Review
LAST UPDATED: March 4th, 2020

Known for its long-term savings success and investment strategies, Principal also offers dental insurance that employers can provide employees.

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The Good

  • Customizable Group Dental Insurance Plans
  • Large Network
  • Mobile App
  • Additional Group Insurance and Benefits Available

Customizable Group Dental Insurance Plans

When employers purchase a dental plan through Principal, they can choose to pay for the plan’s premiums themselves, share the costs with employees, or have employees pay the premiums themselves.

Employers can also customize a plan’s deductible, coinsurance, and annual maximum benefit.

Principal offers Preferred Provider Organization (PPO) plans throughout the United States. These plans offer coverage for both in- and out-of-network providers, which gives members more flexibility when choosing a dentist. In some areas, Principal also offers Dental Health Maintenance Organization (DHMO) plans. These plans only offer in-network coverage. 

Large Network

Principal has a large provider network across the United States. The large network means that it will be easy for members to find a participating dentist. It also makes it easier on employees if you’re switching plans.

Mobile App

Principal also offers a mobile app for members. Through the app, you can find network providers, view benefits, and print ID cards.

Additional Group Insurance and Benefits Available

Principal offers other insurance products and services to help business owners and employers.

The following benefits are availabe to offer employees through Principal:

  • Disability insurance
  • Life insurance
  • Vision insurance
  • Critical illness insurance
  • Accident insurance
  • Retirement plans (401(k), 403(b), pension plans, etc.)

Principal also offers services to help with the following:

  • Business succession
  • Key employee retention and retirement
  • Key person protection
  • Business owner strategies
  • Income protection
  • Legacy and estate planning
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The Bad

  • Only Available Through Employers

Only Available Through Employers

Unfortunately, Principal’s dental plans are only available through employers. If you’re an independent shopper, you’ll need to look at other companies. If you’re an employer, however, Principal’s dental plans and other services are worth investigating further.

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The Bottom Line

Principal dental plans allow employers to find good dental coverage that will fit within their employees’ budgets. Principal also offers a large network across the United States, which makes it easy to find an in-network dentist. Plan members can use Principal’s app to find in-network providers, view benefits, and print their plan ID cards.

If you’re an employer, Principal dental plans are worth investigating further. If you’re looking for your own plan, you’ll need to look at another dental company.

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1 Reviews

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