Flexible Dental Options That Cost Less
Offer your clients the benefits of a dental PPO plus the premium savings of an EPO at a price that’s lower than a traditional PPO. With Principal’s unique Point of Service (POS) plans, you can deliver all this to California small groups. The employees can visit any dentist and behind the scenes Principal will identify the best contract price (EPO, PPO or OON). With one of the largest networks in the industry and 23% of in-network dentists participating in the EPO program, employees can easily identify options for richer benefits and lower out of pocket costs.
Dental Benefits Include:
- Contributory participation down to 50% on all lines.
- No benefit waiting periods for major services or orthodontia (replacement or new coverage).
- Fresh calendar year maximum AND deductible carryover credit.
- Takeover of rollover amounts included at no charge, so employees don't have to start over.
- Annual enrollment allows members to waive coverage and come back on the plan.
- 99th percentile out-of-network reimbursement available.
- Implant, cosmetic, accident, and TMJ riders available.
- Flexibility to move procedures & frequency limitations.
- National network with 49,000 providers in California.
- Bundles discount of 5% for 3+ lines of coverage (Principal 401k counts).
- With one line of core coverage, groups can offer Voluntary Accident and Critical Illness (5+ lives or 10% participation).
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