Procedures

Employees can manage their dental benefits online through a Principal account.

To create your account:

1. Visit the Principal account setup guide.

2. Follow the step-by-step instructions to create your individual login.

3. Once registered, you can access your dental benefits anytime.

You can search for in-network dentists using the Principal website or mobile app.

To find a provider:

1. Open the Principal mobile app or visit principal.com.

2. Navigate to Insure and then My Insurance.

3. Scroll to Find a Dentist.

4. Enter your zip code.

5. Select your dental network if prompted (this is listed on your ID card).

6. Adjust distance, specialty, or search by dentist name if needed.

Note: Provider participation can change. Always confirm the dentist and location are still in-network before your appointment.

Most dental providers submit claims directly to Principal on your behalf.

If you choose to submit a claim yourself, no form is required. You will need:

• An itemized statement from the provider that includes
  ADA service codes and billed amounts
  Provider name, address, and tax identification number
  Date or dates of service

• A copy of the front and back of your dental ID card

Claims can be submitted by mail or fax.

Mail claims to:
Principal Life Insurance Company
PO Box 10357
Des Moines, IA 50306–0357

Fax claims to:
866-301-1502

Always keep copies of documents submitted for your records.