Dental Plans

Liaison's dental plan is offered through Principal. When possible, it is important to always stay in-network to reduce your out-of-pocket expense.

OVERVIEW
WHAT'S COVERED
DENTAL EXPLAINED

How does dental insurance work?

  • Coinsurance - The amount the carrier will pay towards an eligible claim (after deductible) for claim(s). The sum of payments made by the insurance company will count towards the annual max.
  • Annual Max - refers to the maximum the insurance company will pay in a calendar year per member.

Create or Login into your Member Account

  • Choose from two plans (Base / Buy Up)
  • Review Claims
  • Digital ID Card

ID cards can be accessed via the Principal Portal or through the Mobile App. The usage of ID cards is not required to access care; employees can provide their social security number to their provider for benefits to be verified by the provider. Coverage can be verified through the call center phone numbers below:

  • 800-247-4695 (Employees)
  • Please see HR for a physical copy of your ID card

Dental benefits are offered through Principal. When you receive services from a Principal provider you receive discounts on your dental care, meaning you save money on your portion of the cost of services, and your annual maximum goes further. To locate a dentist in-network, visit www.principal.com or download the mobile app.

Find a Dentist

PRINCIPAL DENTAL

High plan                                                                    Low Plan                                

In-Network
Out-of Network
In-Network
Out-of Network
Annual Deductible (Individual/Family)

$50/$150

(waived for preventive)

$50/$150

(waived for preventive)

$50/$150

(waived for preventive)

$50/$150

(waived for preventive)

Deductible – Calendar Year or Lifetime
Calendar Year
Calendar Year
Calendar Year
Calendar Year
Annual Maximum
$5,000
$5,000
$1,500
$1,500

Preventative Type 1

100%
100%
100%
100%
Basic Type 2
20%
20%
50%
50%
Major Type 3
50%
50%
50%
50%
Endodontics
20%
20%
50%
50%
Periodontics – Non-Surgical
20%
20%
50%
50%
Periodontics –Surgical
20%
20%
50%
50%
Oral Surgery
20%
20%
50%
50%
Implants
50%
50%
50%
50%
Out-Of-Network Reimbursement
90th UCR
90th UCR
80th UCR
80th UCR
Maximum Rollover
Not Offered
Not Offered
Not Offered
Not Offered
Waiting Periods
First of month following 30 days
First of month following 30 days
First of month following 30 days
First of month following 30 days

EMPLOYEE COST PER PAY PERIOD (BI-WEEKLY)

High plan                                                   Low Plan                          

EE Only
$7.05
$0.00
EE + SPOUSE
$27.60
$15.43
EE + CHILDREN
$34.31
$21.60
FAMILY
$58.13
$39.61

Please click the button below to view additional information about your dental plans.

Additional Dental Plan Resources

Dental Insurance Explained

Dental insurance

is a contract with an insurance company that helps cover the cost of treatments to your teeth and gums.

Instead of you paying 100% of the cost out-of-pocket, dental insurance pays a percentage and you pay the rest.

There are 3 common categories of dental insurance: preventive, basic and major.

Preventive care

Preventive care aims to “prevent” wear and tear, gum disease and tooth loss. Routine visits allow your dentist to examine your mouth, jaw and neck to identify problems and treat them early. Common services covered under preventive care include bi-annual cleanings, oral screenings and routine X-rays.

Basic care

Basic care treats minor-to-medium damage that has already happened, like toothaches and gum issues. Common services covered under basic care include fillings, tooth extractions, root canals and gum disease treatment.

Major care

Complex dental work, including surgical procedures, are typically classified as major dental care. These services can range from crowns and implants to dentures and oral surgery.

Watch this video to learn more

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