The Principal® Dental Access Plan is a dental discount plan—not dental insurance—that provides immediate access to reduced fees for dental services. Unlike insurance, there are no deductibles, no waiting periods, no annual maximums, and no claim forms to file. This money-saving program is available to individuals of all ages, offering discounts of 15% to 60% on dental care at thousands of participating dentists and specialist locations. You simply show your membership card at participating locations to receive discounted rates on dental services.
No. Principal® Dental Access Plan is NOT insurance. It's a dental discount plan and this is
Everyone. The Principal® Dental Access Plan is especially popular with retirees looking for dental cost savings, but it’s also ideal for young adults without employer-provided insurance, part-time workers without dental benefits, gig economy workers and freelancers, self-employed individuals, and anyone wanting to reduce their out-of-pocket dental expenses. There are no limitations, so
No, the Principal® Dental Access Plan is not dental insurance—it's a dental discount plan that works differently. Unlike insurance, there are no deductibles to meet, no claim forms to file, no annual maximums to track, and no waiting periods before you can use services. Members simply show their card at participating locations to receive immediate discounts of 15% to 60% on all dental services.
No. You must see a dentist that participates in the plan. To look for your dentist or get a list of participating dentists in your area, go to
The discounts apply to all dental services, with savings of 15% to 60% off regular office fees. This includes routine preventive care, such as regular check-ups, cleanings, exams, and x-rays. The plan also provides discounts on specialty services, such as extractions and fillings, as well as major procedures, including crowns, bridges, dentures, and implants. Whether you need basic dental care or more extensive treatment, you'll save on every visit.
You can start using your Principal® Dental Access Plan immediately after your plan becomes effective. Here's what happens:
- You'll receive an email confirmation with your membership ID right away
- Your membership card and plan details will arrive by mail within 5-7 business days
- Need to use your plan before your card arrives? Simply log in to My Account to download or print a temporary card
Yes, if you’re on a family plan, you can add additional dependents any time, at no additional cost. Log in to
Yes, with secure, online access, you can log in to your
Log in to
If you know your membership ID, log in to
There’s NO deductible. At the time of service, simply pay the dentist for treatment at the contracted rates.
There are no claim forms or reimbursement for your out-of-pocket expenses. Just pay your dentist for treatment at the discounted rates.
Membership is $8 a month for individuals ($96 yearly), or $10 a month for families ($120 yearly). There’s a one-time, non-refundable activation fee of $25 for the monthly membership or $10 for the yearly membership. Activation fee refunds vary by state.
We accept Visa, MasterCard, American Express, and Discover. Or, with a yearly membership, you can pay by mailing us a check or money order.
Checks should be made payable to Principal® Dental Access Plan. Membership applications and payments received by mail will be processed within 24 business hours of receipt. Mail check with completed enrollment form to Principal® Dental Access Plan, PO BOX 420930, San Diego, CA 92142.
No, payments can be made on behalf of the member by someone else. We’ll need the payer's full name, billing address, phone number, and relation to the member.
The initial monthly membership payment is processed within 24 business hours of receipt. All recurring monthly payments are processed each month on the day your plan membership became effective. For example, if your membership effective date was on the 10th of the month, your payments will be on the 10th of every month.
Simply call us at 833-201-0142, and we’ll be happy to help.
With thousands of dentist and specialist locations, your dentist may already be a participating Principal® Dental Access Plan dentist. To look for your dentist or get a list of participating dentists in your area, go to
Yes, Principal® Dental Access Plan participating dentists undergo stringent credentialing and re-credentialing reviews.
Looking for answers to your questions about the Principal® Dental Access Plan? You've come to the right place.