Definitions

Dental PPO: A preferred provider organization dental plan that allows you to see any licensed dentist, with higher benefits when using in-network providers.

In-Network Dentist: A dentist who has a contract with Principal Dental to provide services at negotiated rates, resulting in lower out-of-pocket costs.

Out-of-Network Dentist: A dentist who does not participate in the Principal Dental network and may result in higher costs to the employee.

Annual Maximum: The maximum dollar amount the dental plan will pay toward covered services in a plan year.

Preventive Services: Routine dental care such as cleanings, exams, and X-rays that help maintain oral health.

Basic Services: Common dental treatments such as cleanings.

Major Services: More complex procedures such as crowns, bridges, and oral surgery.

Explanation of Benefits (EOB): A statement provided after a claim is processed that explains what the plan paid and what the employee may owe.

Dependent: An eligible family member enrolled under an employee’s dental plan, such as a spouse or child.