If you don't have dental insurance—or need help paying for treatments your plan doesn’t cover—Principal® Dental Access Plan may be a good fit. With affordable savings, predictable costs, and no surprise bills, Principal® Dental Access Plan helps you take control of your dental care while choosing from thousands of plan dentists nationwide.
With fixed, discounted rates, you'll know what to expect before your visit. Just show your membership card at a participating dentist and pay the discounted amount directly.
This gives you:
More confidence in your dental budget
Less stress about unexpected bills
An affordable, low-risk way to maintain your oral health
- Not covered by dental insurance
- Self-employed or working independently
- Needing a procedure not covered by insurance
- No waiting periods
- No deductibles or annual spending limits
- No claims or paperwork
Search our directory or browse a list of providers in your area.
Please note these cost comparisons are for illustrative purposes only.
| Procedure | Typical price2 | You pay3 | You save3 | Savings percentage3 |
|---|---|---|---|---|
| Routine Check-up | $150 | $75-90 | $60-75 | 40-50% |
| Oral exam | $114 | $47 | $67 | 59% |
| X-rays | $186 | $86 | $100 | 54% |
| Cavity filling | $242 | $117 | $125 | 52% |
| Crown | $1,336 | $722 | $614 | 46% |
| Root canal | $1,100 | $660-770 | $330-440 | 30-40% |
1 Your sample savings is based on an average nationwide fee schedule
2 Typical price is the average 80th percentile of the FAIR Health fee schedule, a national profiling service
3 Amount paid and saved are the average of savings nationwide, and vary by dentist and region
1. Join the plan
Choose your discount plan and start saving with a simple one-time activation fee plus low monthly payments.
2. Get your ID card
Look for a welcome email to set up your online account and access your virtual ID card right away. Your physical ID card and membership materials will arrive by mail.
3. Save at the dentist
Find a participating dentist, show your ID card at your appointment, and receive instant discounts on services. It’s that straightforward—savings right when you need them.