How Principal dental PPO plans work
Principal's dental plans are built around a nationwide network of dentists who have agreed to set fees with Principal. When you see a network dentist, those pre-set fees usually mean a lower cost for you. Principal's plans also generally let you see a dentist outside the network, but you'll typically pay more for the same service, and some plans expect you to send in the claim yourself (Principal).
At our office you don't need to file anything: we submit your claims to Principal for you and help you read the explanation of benefits when it comes back.
Because employers choose the details, two Principal plans can look quite different. Your plan decides the deductible, the annual maximum, the percentage paid for each type of care and any waiting periods for major work. That's why we check your plan before your visit instead of quoting a general answer.
What Principal plans commonly cover
Preventive care. Exams, cleanings and routine X-rays are usually covered at the highest level, often with no deductible. A cleaning and exam is also where any larger treatment plan starts.
Emergency visits. A toothache, swelling or a broken tooth is usually handled first as a diagnostic visit (an exam and X-rays), followed by treatment such as a filling, extraction or root canal covered at your plan's basic or major level. See our emergency dentist page for what to do right away.
Crowns, bridges and implants. These are usually major services, paid at a lower percentage and limited by your annual maximum. Implant coverage varies by plan, and some plans apply a waiting period or a missing tooth clause. Our guides to whether PPO insurance covers dental implants and the missing tooth clause explain how those rules work. For larger treatment, we can request a predetermination so Principal confirms its expected payment in writing.
Cosmetic treatment. Veneers and whitening are generally excluded as cosmetic, although related restorative care, such as a crown on a broken front tooth, may be covered. See whether dental insurance covers veneers.
How to check your Principal benefits
Sign in to your Principal account to see your plan's deductible, annual maximum, coverage levels and how much you've used this year. Principal also has an online find a dentist search. When you call us, have your member ID, group number and the primary subscriber's name and date of birth ready, and we'll check how your plan applies at our office.
Have Principal dental insurance? Book a visit and bring your member card. We'll check your plan and walk you through your benefits before treatment.
PPO plans only
Magnolia Dentistry accepts PPO dental plans only. We don't accept dental HMO (DHMO) plans or government-funded programs such as Medi-Cal Dental. If you're not sure which type of plan you have, your benefits summary or HR department can tell you.
Visit us in Burbank
Our office is at 2800 W Magnolia Blvd in Burbank, CA 91505, a short drive from Toluca Lake, North Hollywood, Studio City and Glendale. We're open every day from 6 AM to 12 AM by appointment. For treatment your plan doesn't fully cover, we offer CareCredit and Cherry financing, subject to credit approval.
Principal Dental PPO questions
Does Magnolia Dentistry take Principal dental insurance?
Yes. We accept Principal dental PPO plans and file claims with Principal for you. We check your specific plan before your visit so you know how your benefits are likely to apply.
Can I see a dentist outside Principal's network?
Most Principal PPO plans pay a benefit outside the network, but your share is usually higher and the plan may expect you to submit the claim. We file claims for you either way.
Does Principal dental insurance cover implants?
Some Principal plans include implant benefits and others don't, and coverage is limited by your annual maximum and plan rules. A predetermination is the most reliable way to know before treatment.
Is there a dentist near me in Burbank that accepts Principal Dental PPO?
Yes. Magnolia Dentistry at 2800 W Magnolia Blvd, Burbank, CA 91505 accepts Principal Dental PPO plans and sees patients from Burbank, Toluca Lake, North Hollywood, Studio City and Glendale. We're open every day from 6 AM to 12 AM by appointment, including for dental emergencies. Call (818) 846-9041 and we'll check your plan before your visit.
Coverage depends on your specific plan. Magnolia Dentistry checks your benefits before treatment; final payment is determined by your insurer. Last reviewed .
