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Principal Financial Insurance
At Clove DDS, we accept Principal Financial Insurance to help make your dental care affordable and accessible. We understand that insurance can be difficult to navigate, which is why we’ve created this helpful guide to explain your coverage, how to verify your benefits, and answer your frequently asked questions. Our goal is to provide you with a seamless experience so you can focus on your dental health.
Coverage Details
Principal Financial offers comprehensive dental coverage, and here’s a breakdown of the typical services covered:
- Preventive Care: Services such as cleanings, exams, fluoride treatments, and sealants are generally covered at 100%. Preventive care is essential for maintaining your oral health and preventing future dental issues.
- Basic Care: Basic services, including fillings, extractions, and scaling/root planing, are typically covered at 70%-80%. These treatments help address common dental problems and maintain your smile.
- Major Care: For more extensive procedures like crowns, dentures, bridges, and root canals, Principal Financial typically covers them at 50%. These procedures restore the functionality and appearance of damaged or missing teeth.
- Orthodontics: Principal Financial may offer partial coverage for orthodontic services, such as braces and clear aligners. Orthodontic benefits are often subject to a lifetime maximum, so it’s important to check your plan for details.
Please note that coverage specifics may vary by plan. We recommend reviewing your policy or contacting us directly for assistance in verifying your benefits.
How to Verify Your Benefits
Verifying your Principal Financial benefits is easy, and Clove DDS is here to assist you with the process:
- Contact Our Office: Call Clove DDS, and our team will work directly with Principal Financial to verify your benefits. We will explain what is covered and provide a breakdown of any out-of-pocket costs.
- Provide Your Insurance Information: Bring your Principal Financial insurance card with you to your appointment. This will allow us to quickly access your coverage details and ensure everything is accurate.
- Get a Treatment Estimate: Once we verify your benefits, we will provide you with a detailed treatment estimate. This ensures that you know exactly what is covered and any potential costs you may need to pay.
Why Choose PPO Insurance Partners?
Principal Financial is a PPO (Preferred Provider Organization) plan, which offers you flexibility in choosing your dental care provider. As a PPO plan, you have the freedom to visit any dentist who accepts your insurance, which means you don’t need referrals for specialized care. Clove DDS is proud to be an in-network provider for Principal Financial, and we work hard to maximize your benefits and minimize your out-of-pocket costs.
Transparency is a key part of our approach. We make sure that you are fully aware of your costs before starting any treatment, so there are no surprises along the way.
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Frequently Asked Questions
What preventive services are covered by Principal Financial?
Preventive services, including cleanings, exams, fluoride treatments, and sealants, are typically covered at 100%. These services are essential for maintaining good oral health and preventing future dental issues.
Does Principal Financial cover basic dental services?
Yes, Principal Financial covers basic dental services such as fillings, extractions, and scaling/root planing at 70%-80%. These treatments help resolve common dental issues and keep your teeth healthy.
Does Principal Financial provide coverage for orthodontics?
Principal Financial may offer partial coverage for orthodontic treatments, such as braces or clear aligners. Coverage may be capped with a lifetime maximum, so it’s important to check your plan for specifics.
How can I verify my Principal Financial benefits?
Simply contact our office, and we’ll verify your benefits with Principal Financial. We will help you understand what is covered and provide an estimate of any costs you may incur.
Are pre-authorizations required for major procedures?
Some major treatments, like crowns and root canals, may require pre-authorization from Principal Financial. Our office will assist in submitting the necessary documentation to get approval for your treatment.
We’re Here to Help!
At Clove DDS, we strive to make your experience with Principal Financial Insurance as easy and transparent as possible. If you have any questions about your benefits or need help verifying your coverage, don’t hesitate to contact us. Our team is here to assist you in maximizing your benefits and receiving the care you need to maintain a healthy smile.
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