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Frequently asked questions about Principal® Dental Access Plan
Getting started
What is the Principal® Dental Access Plan?

The Principal® Dental Access Plan is a dental discount plan available to anyone at any age. Members have immediate, unlimited access to discounted dental care at thousands of participating dentist and specialist locations.
Who’s eligible for the Principal® Dental Access Plan?

Everyone. With the Principal® Dental Access Plan, there are no limitations, so join today.
Is the Principal® Dental Access Plan dental insurance?

The Principal® Dental Access Plan is not insurance. Members enjoy immediate and unlimited savings on all dental services, with no waiting periods or spending caps.
What types of procedures are discounted by the Principal® Dental Access Plan?

The discounts apply to all dental services. You’ll save an average of 15% to 60% off regular office fees.
How soon can I begin using my membership?

Once your plan is effective, you’ll receive an email confirmation that includes your membership ID. You’ll then be mailed your membership card and plan details, which should arrive within five to seven business days. If you need to begin using your membership before you receive your card in the mail, log in to My Account to download or print a copy.
Can I add more dependents, and will there be an additional charge?

Yes, if you’re on a family plan, you can add additional dependents any time, at no additional cost. Log in to My Account and select “Make Changes” under the “Plan Summary.” Or, if you’re on an individual plan, call us at 833-201-0142. We’ll need the first and last name, date of birth, and relationship to the member of the additional eligible dependent(s). Your membership fee will change if you change membership type. Eligible dependents means the lawful spouse of the subscriber, a dependent parent, and children who are under the age of 26.
Account information
What if I lose my membership card?

If you know your membership ID, log in to My Account and download or print a copy of your membership card. Don’t remember your ID? Give us a call at 833-201-0142.
Do I have access to my plan details online?

Yes, with secure, online access, you can log in to your My Account —anytime it’s convenient—to add or remove family members, update payment information, and view and print your member ID card. When it comes to your Principal® Dental Access Plan account, you’re in the driver’s seat.
What if I want to change my payment source?

Log in to My Account and select “Manage Payment Details.” You can also call us at 833-201-0142, Monday through Friday 8:00 a.m. – 5:00 p.m. PT.
What is my deductible?

There’s NO deductible. At the time of service, simply pay the dentist for treatment at the contracted rates.
How do I submit a claim form?

There are no claim forms or reimbursement for your out-of-pocket expenses. Just pay your dentist for treatment at the discounted rates.
Billing and payment information
How much does it cost to become a Principal® Dental Access Plan member?

Membership is $8 a month for individuals ($96 yearly), or $10 a month for families ($120 yearly). There’s a one-time, non-refundable activation fee of $25 for the monthly membership or $10 for the yearly membership. Activation fees are refundable in Arkansas and Maryland. Join online or call one of our plan specialists at 833-201-0142.
What forms of payment are accepted?

We accept Visa, MasterCard, American Express, and Discover. Or, with a yearly membership, you can pay by mailing us a check or money order.
To whom do I make my check payable?

Checks should be made payable to Principal® Dental Access Plan. Membership applications and payments received by mail will be processed within 24 business hours of receipt.
Do the member name and billing name need to be the same?

No, payments can be made on behalf of the member by someone else. We’ll need the payer's full name, billing address, phone number, and relation to the member.
If I make monthly payments, when are the payments processed?

The initial monthly membership payment is processed within 24 business hours of receipt. All recurring monthly payments are processed each month on the day your plan membership became effective. For example, if your membership effective date was on the 10th of the month, your payments will be on the 10th of every month.
What if I want to change how often I pay for my membership?

Simply call us at 833-201-0142, and we’ll be happy to help.
Participating dentists
Is my dentist part of Principal® Dental Access Plan?

With thousands of dentist and specialist locations, your dentist may already be a participating Principal® Dental Access Plan dentist. To look for your dentist or get a list of participating dentists in your area, go to Find a Dentist.
Are Principal® Dental Access Plan dentists licensed and insured?

Yes, Principal® Dental Access Plan participating dentists undergo stringent credentialing and re-credentialing reviews.
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