DENTAL/VISION

Dental

Maximum Accumulation Plan

Allows a portion of unused maximum dollars to roll over to the following year. When your client transfers to our plan, we honor employees’ former maximums so they won’t start over.

 

Preventive Passport

Stretches employees’ dental benefits by encouraging routine care which doesn’t count against the annual maximum.

 

Employee Choice

Offer two great dental designs using this feature. Employees decide which design to purchase at enrollment.

 

Extra care at no extra cost

 

Oral health programs are included in all our dental designs. At-risk members receive extra care with the Periodontal Program and Cancer Treatment Oral Health Program. Plus, members can be confident they’ve received the best advice with the Second Opinion Program.

Large network with a nationwide reach

Having access to a large network means happier employees because they have a variety of dentists to choose from. That means that if your client switches to Principal from another carrier, it’s likely that fewer employees will need to change their dentists.

113,000+ unique dentists with multiple offices

You have high expectations of the dentists in our network. That’s why we regularly review dentists to make sure they’re providing excellent care and their procedure costs are in line with what other dentists are charging. Our network ranks #1 in size in many metropolitan statistical areas.2

Vision

Managed Care Vision

  • An established network of VSP providers, including both independent providers and retail chains

  • Discounts and special offers on name-brand eyewear

  • Cost savings on qualifying vision procedures and screenings

 

Scheduled Vision

  • No deductibles, co-payments or networks

  • Discounts available when using a VSP provider

  • Employees can visit the provider of their choice

  •  Benefit amounts available in $5 increments