Dental
Dental coverage helps you maintain a healthy smile with preventive care, basic services, and major procedures. You can visit any licensed dentist, but you’ll save the most when you use an in-network provider who has agreed to discounted rates. Out-of-network dentists may charge more than the plan’s allowed amount, and you may be responsible for the difference. Most plans cover preventive services—such as exams, cleanings, and X-rays—at 100% when you stay in-network, making regular checkups an easy way to protect your oral health and avoid costly issues.
Principal Financial Dental (California Employees)
Benefit Highlights
In-Network EPO (Level 1)
Deductible (Individual/Family)
$0
Annual Plan Maximum
$2,000
Preventive Care
Covered in full
Basic Services
10%; no deductible
Major Procedures
10%; no deductible
Orthodontia (Adults and Children)
50% of covered expenses
Orthodontia Lifetime Maximum
$1,500 per individual
In-Network PPO (Level 2)
Deductible (Individual/Family)
$25/$75
Plan Maximum
$2,000
Preventive Care
Covered in full
Basic Services
20%
Major Procedures
50%
Orthodontia (Adults and Children)
50% of covered expenses
Orthodontia Lifetime Maximum
$1,500 per individual
Out-of-Network (Level 3)
Deductible (Individual/Family)
$50/$150
Annual Plan Maximum
$2,000
Preventive Care
Covered in full
Basic Services
20%
Major Procedures
50%
Orthodontia (Adults and Children)
50% of covered expenses
Orthodontia Lifetime Maximum
$1,500 per individual
Principal Financial Dental (Non-California & Non-Hawaii Employees)
Benefit Highlights
In-Network
Deductible (Individual/Family)
$25/$75
Annual Plan Maximum
$2,000
Preventive Care
Covered in full
Basic Services
20%
Major Procedures
50%
Orthodontia (Adults and Children)
50% of covered expenses
Orthodontia Lifetime Maximum
$1,500 per individual
Out-of-Network
Deductible (Individual/Family)
$50/$150
Annual Plan Maximum
$2,000
Preventive Care
Covered in full
Basic Services
20%
Major Procedures
50%
Orthodontia (Adults and Children)
50% of covered expenses
Orthodontia Lifetime Maximum
$1,500 per individual
HMSA Dental (Hawaii Employees)
Benefit Highlights
In-Network
Annual Plan Maximum
$2,500
Preventive Care
Covered in full
Basic Services
20% coinsurance
Major Procedures
20% coinsurance
Orthodontia
Adults and Children
Orthodontia Lifetime Maximum
$6,000 paid 25% initially, remaining 75% paid in equal monthly payments over the term of the Treatment Plan, not to exceed 36 months
Hawaii Dental Service Dental (Hawaii Employees)
Benefit Highlights
In-Network
Annual Plan Maximum
$1,500
Preventive Care
Covered in full
Basic Services
30% coinsurance
Major Procedures
50% coinsurance
Orthodontia
50% (children only)
Orthodontia Lifetime Maximum
$1,000