Downtown Seattle Dentists Accepts Principal PPO Dental Insurance

If you have Principal dental coverage through your employer or an individual plan, you can use your benefits at Downtown Seattle Dentists.

Accepted Plans:

Principal PPO

Plans we’re not currently able to accept:

Principal HMO plans, Medicaid dental plans

*If you’re unsure which plan type you have, call us and we’ll look it up for you.

Downtown Seattle Dentists accepts Principal PPO dental insurance and is committed to making your coverage easy to navigate. Before your first appointment, we contact Principal to verify your plan and confirm your benefits in full. We provide a written cost estimate before any major work, submit claims after every visit, and handle any follow-up with Principal on your behalf.

Network Status:

In-Network with Principal PPO

Typical Principal PPO Coverage at a Glance

Coverage percentages below reflect typical Principal PPO benefit levels for employer-sponsored plans in Washington State. Your exact coverage depends on your specific plan, deductible status, and remaining annual maximum, all of which we confirm before any treatment is scheduled.

Service Category	Typical Coverage	Common Examples
Preventive & Diagnostic Care	80% – 100%	Exams, cleanings, X-rays, fluoride treatments, sealants
Basic Restorative Services	70% – 80%	Fillings, simple extractions, emergency palliative visits
Major Restorative Services	50%	Crowns, bridges, root canal therapy, dentures
Periodontal (Gum) Treatment	50% – 80%	Scaling & root planing, periodontal maintenance
Oral Surgery	50%	Surgical extractions, wisdom teeth removal
Orthodontics (if benefit elected)	20% – 50%	Invisalign, traditional braces (lifetime ortho max applies)
Dental Implants	Varies by plan	Implant placement, abutment & crown (employer plan determines)

Understanding Your Annual Principal Maximum & Deductible

Annual Maximum

This is the total dollar amount Principal will contribute toward your covered dental care within a single benefit year. Most employer-sponsored Principal PPO plans carry an annual maximum between $1,000 and $2,500. Once that limit is reached, any remaining costs for the year are the patient's responsibility.

Deductible

This is the amount you pay out-of-pocket before Principal begins contributing to covered services. A typical Principal PPO deductible is $50 to $100 per person. Preventive care, including exams and cleanings, is generally exempt from the deductible, meaning your coverage applies from your very first visit.

Frequency Limitations

Most Principal PPO plans include frequency limits on certain services, such as one set of bitewing X-rays per year or cleanings every six months. Our team reviews these limits during your benefits verification so there are no surprises.

Principal PPO Coverage by Dental Treatment

Our Seattle dental offices offer a full range of dental services that fall within Principal’s covered categories. We confirm your specific plan coverage and provide a detailed cost estimate before scheduling any procedure.

Dental Exam

Preventive — typically covered at 100%

Professional Teeth Cleaning

Preventive — typically covered at 100%

Digital X-Rays

Preventive — typically covered at 100%

Fluoride Treatment

Preventive — coverage commonly includes patients through age 18–21

Dental Sealants

Preventive — typically covered for children and adolescents

Cavity Treatment (Fillings)

Basic restorative — typically covered at 70–80%

Tooth Extractions

Basic restorative — typically covered at 70–80%

Emergency Dentistry

Basic restorative — palliative and emergency visits typically covered

Dental Crowns

Major restorative — typically covered at 50%

Dental Bridges

Major restorative — typically covered at 50%

Root Canal Therapy

Major restorative — typically covered at 50%

Dentures & Removable Appliances

Major restorative — typically covered at 50%

Gum Disease Treatment

Periodontal — typically covered at 50–80%

Periodontal Care (Deep Cleaning)

Periodontal — typically covered at 50–80%

Invisalign Clear Aligners

Orthodontic benefit (if elected) — typically 20–50% up to lifetime maximum

Pediatric Dentistry

Preventive & basic services — typically well covered under most plans

TMJ Treatment

Coverage varies by plan — we confirm your benefits before any treatment begins

Mouth Guards

Coverage varies — many plans provide partial coverage for prescribed appliances

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Our Insurance Process

Get Started Using Your Principal Insurance at our Seattle dental offices

Step 1

We Verify Your Principal Benefits

Before your visit, our insurance team contacts Principal directly to confirm your plan type, covered services, annual maximum, remaining deductible, frequency limitations, and any waiting periods. You'll receive a plain-language summary before your appointment.

Step 2

You Receive Your Care

Our clinical team provides the treatment you need at your chosen Seattle dental office. You pay your estimated patient portion on the day of service.

Step 3

We File Your Claim

After your visit, our billing team submits your Principal claim electronically to your insurance provider. Most Principal claims are processed within 10 to 30 business days, after which you'll receive an Explanation of Benefits (EOB) from Principal.

Step 4

We Follow Up and Appeal on Your Behalf

Our team monitors your claim through processing and reviews your EOB when it arrives. If Principal underpays, requests additional documentation, or issues a denial, we handle the follow-up and appeals process on your behalf. We work to make sure your Principal plan pays what it should so you're not leaving benefits on the table.

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Principal Dental Insurance FAQs

Do you take Principal dental insurance at Downtown Seattle Dentists?

Yes, Downtown Seattle Dentists is a participating provider for Principal PPO dental plans. We don't accept Principal HMO plans or Medicaid dental benefits.

Is a cleaning covered under my Principal PPO plan?

Preventive services, including exams and cleanings, are typically covered at 80% to 100% under Principal PPO plans, and these are usually exempt from the deductible. Our team verifies your exact plan details at Downtown Seattle Dentists so you'll know what to expect.

Does Downtown Seattle Dentists handle Principal billing directly?

Yes. Our billing office files every Principal claim electronically after each appointment, so you won't need to deal with any paperwork.

What if part of my Principal annual maximum has already been used?

We check how much of your Principal annual maximum is left when we verify your benefits at Downtown Seattle Dentists, and we take that into account for your treatment plan and estimate if you're nearing your limit.

Are dental implants covered by Principal at Downtown Seattle Dentists?

Implant coverage through Principal is determined by your employer's specific plan. Before any implant consultation, we verify exactly what your coverage includes.

Could my Principal plan have a waiting period before major work is covered?

Some Principal plans do apply a waiting period to major restorative procedures. At Downtown Seattle Dentists, we check for this during benefits verification and make sure you're informed before any treatment is scheduled.