About Principal Financial Group Dental Insurance

Principal Financial Group is a Fortune 500 company headquartered in Des Moines, Iowa, with over 140 years of history in financial services and insurance. Principal’s dental insurance division provides group dental benefits primarily through employers, offering PPO, DHMO, and indemnity plan options. Principal is a common choice among mid-sized and large employers who want to provide comprehensive dental benefits as part of a broader employee benefits package that may include life insurance, disability, and retirement savings programs.

Principal’s dental PPO network — known as the SmileWay Wellness Benefits network — gives members access to a broad range of participating dentists who have agreed to discounted fee schedules. This network approach is designed to balance freedom of choice with cost containment, making Principal dental plans an attractive option for employees who want flexibility in choosing their dental provider.

One of Principal’s notable features is their SmileWay Wellness Benefits program, which provides enhanced coverage for patients diagnosed with certain systemic conditions (like diabetes, heart disease, and pregnancy) that have a known link to oral health. This reflects a growing understanding in the dental and medical communities that oral health and overall health are deeply interconnected.

Principal Dental Coverage at Our Arlington Office

We work with Principal dental plan holders in the Arlington area and welcome patients who carry Principal benefits through their employers. Because plan designs vary based on what your employer has selected, we recommend verifying your specific coverage before treatment begins. Call our team at (817) 275-2229 with your Principal member ID, and we’ll run a benefits verification to confirm your network status, annual maximum, deductible, and coverage levels for your planned procedures.

Typical Benefits Under Principal Dental PPO Plans

Preventive Care

Like most comprehensive dental plans, Principal PPO plans typically cover preventive services at 100% in-network with no deductible. Two exams, two cleanings, and necessary X-rays per year are the foundation of good oral health — and they cost you nothing under most Principal plans. Some plans also include enhanced preventive benefits for patients with chronic health conditions through the SmileWay program.

Basic Restorative Services

Basic restorative work including tooth-colored composite fillings, simple extractions, and emergency treatment is typically covered at 70–80% after your annual deductible under Principal PPO plans. Our team provides all basic restorative services with an emphasis on comfort and natural-looking results. Root canals start at $799 at our office; coverage classification depends on your specific plan.

Major Services

Major restorative procedures such as dental crowns ($899), bridges, full and partial dentures ($999+), and dental implants ($2,449) are typically covered at 50% under Principal PPO plans. We’ll verify whether your plan includes implant coverage — it varies by employer group plan design. For any amount not covered, we offer flexible financing options.

A Dental Home for the Whole Family

Madison Square Dental serves patients of all ages, from young children receiving their first dental exam to seniors managing complex restorative needs. Our three experienced dentists take pride in building long-term relationships with our patients, getting to know each person’s oral health history and dental goals. Over time, this continuity of care leads to better outcomes and a more personalized experience.

Our modern office features digital X-rays, intraoral cameras, and a comfortable, welcoming atmosphere. We’re committed to staying current with continuing education and the latest clinical guidelines so our patients receive care that’s both effective and evidence-based. Visit our insurance overview page for information on all the plans we work with and our financing options.

Verifying Your Principal Dental Benefits

To check your Principal Financial Group dental benefits at our office, call us at (817) 275-2229 with your Principal member ID. Our insurance team will contact Principal, run a live eligibility check, and follow up with a clear, plain-language summary of your coverage. We’ll confirm your annual maximum, deductible status, remaining benefits, and estimated costs for any specific treatments you’re considering.

Accessible From Grand Prairie, Mansfield, and Beyond

Our practice at 803 Washington Dr, Arlington TX 76011 is easy to reach from throughout the Metroplex. Patients come to us from Grand Prairie, Mansfield, Kennedale, Pantego, Fort Worth, and many other communities across Tarrant and Dallas counties. Schedule your appointment online at your convenience or call us during office hours — we’re always happy to welcome new patients.

Frequently Asked Questions — Principal Dental

Does Madison Square Dental accept Principal dental insurance?

We work with many Principal dental plan holders. Coverage depends on your employer’s plan design and network selection. Call us at (817) 275-2229 with your member ID and we’ll verify your benefits before your first visit.

What is the SmileWay Wellness Benefits program from Principal?

SmileWay is Principal’s enhanced dental benefit program for members diagnosed with certain health conditions including diabetes, heart disease, and pregnancy. Qualifying members may receive additional covered dental cleanings and other services beyond the standard two-per-year limit. When we verify your Principal benefits, we’ll check whether SmileWay applies to your plan.

Does Principal dental have a waiting period?

Principal employer-sponsored plans typically do not have waiting periods. However, waiting periods may apply to individual or association plans. We’ll check for any applicable waiting periods when we verify your coverage.

How do I find my Principal dental member ID?

Your Principal member ID is on your dental insurance card, in your employer’s benefits portal, or in your Principal online account at principal.com. If you can’t find your card, call the member services number on the Principal website and they can provide your ID over the phone.

Does Principal cover orthodontics like ClearCorrect?

Some Principal employer plans include an orthodontic benefit with a separate lifetime maximum. Coverage may apply to both traditional braces and clear aligner systems like ClearCorrect (starting at $99/month at our office). We’ll check your plan for orthodontic benefits when we verify your coverage.

What happens to my unused Principal dental benefits if I change jobs?

Employer-sponsored dental benefits from Principal typically end when you leave that employer. Any unused annual maximum does not transfer. You may be able to purchase a COBRA continuation of dental coverage for a limited period. When you start a new job, you’ll typically enroll in a new plan during onboarding.