The Principal Financial Group provides traditional comprehensive dental plans in all 50 states that cover all family members and comprehensive coverage for adults and dependents ages 19 through 26 for small businesses, explains Principal Financial Services. The company offers benefits through preferred provider organizations nationwide, point-of-service and exclusive provider organizations in California, prepaid dental plans in Arizona, and Network Select in limited areas. Comprehensive coverage plus pediatric dental health benefits plans for all family members are available in certain states.
The Principal Financial Group uses local sales representatives to offer its financial products, including employer-paid dental plans for three or more employees, voluntary coverage for five or more individuals, and self-funded plans, according to Principal Financial Services. Self-funded plans range from basic preventive-only coverage to coverage for all services, with claims savings of 30 percent or more. Rider coverage is available for dental accidents, implants, cosmetic services, orthodontia and treatment for temporomandibular joint syndrome. The Principal Plan Dental Network has more than 360,000 credentialed dental providers throughout the United States and Mexico.
Plan participants have access to discounts through companies such as Weight Watchers, LCA-Vision, Inc., American Hearing Benefits, Inc., and Ear Professionals International Corporation, although the discounts are not part of the dental coverage, notes Principal Financial Services.