Understanding your Principal dental plan coverage for implant crowns is key to reducing your out-of-pocket expenses when you face the need for a dental implant restoration. Principal offers flexible group dental benefits that let you customize coverage levels, deductibles, coinsurance, and annual maximums to fit your budget and needs. At Carolina Complete Dentistry in Charlotte, we’ll help you navigate these options so you can focus on restoring your smile with confidence.
Principal dental plans typically divide services into three categories:
| Service category | Covered at | Examples |
|---|---|---|
| Preventive | 100% | Routine exams, cleanings, X-rays |
| Basic | Set coinsurance rate (often 70–80%) | Fillings, simple extractions |
| Major | Set coinsurance rate (often 50%) | Crowns, bridges, dentures, implant crowns |
Coverage rates may vary by plan design and group policy.
Your plan’s deductible is the amount you pay out of pocket before coverage begins. With Principal, you can:
Once the deductible is met, coinsurance applies. For example, if your plan covers major services at 50%, you pay the remaining 50% of the allowed amount for an implant crown.
An annual maximum is the total amount your plan will pay per person in a plan year. Principal lets you choose a maximum limit based on group needs:
Knowing your annual maximum helps you plan the timing of treatments—especially when implant crowns and related procedures can approach or exceed these limits.
Principal boasts a network of over 135,000 dentists nationwide, including many providers in the Charlotte area. By choosing an in-network dentist, you can:
At Carolina Complete Dentistry, we’re in-network with Principal and several other major carriers, ensuring you receive top-tier care at predictable costs.
When a natural tooth can no longer be saved, an implant crown offers a durable, natural-looking solution. Understanding how Principal covers implant crowns lets you make treatment decisions that align with your budget.
An implant crown restoration typically involves:
Depending on your policy, coverage may apply separately to the implant post and to the crown itself. Many plans classify the post under “major services” and the crown under “major” or “prosthodontics.”
Most Principal plans treat implant crowns as major services. If your plan covers major services at 50%, and the allowed cost of your crown is $1,500:
Costs for the implant post, abutment, and any necessary bone grafts may follow similar coverage rules, though some plans require a combined approach or medical plan coordination. Confirm details with your benefits administrator.
If you choose a dentist outside Principal’s network:
Staying in-network at Carolina Complete Dentistry ensures you pay only the expected share and enjoy seamless billing.
By planning ahead and leveraging available resources, you can reduce your share of implant crown costs and preserve your annual maximum for future needs.
Principal isn’t the only carrier that offers restorative and implant benefits. If you’re considering multiple options or want to compare features, explore these guides:
Carolina Complete Dentistry is your partner in Charlotte for restorative, implant, and emergency dental care that coordinates smoothly with Principal and other major dental plans.
Our team specializes in implant-supported crowns and abutments, using state-of-the-art technology to ensure precision, comfort, and long-term success.
For coinsurance or out-of-networkexpenses, we offer:
Maximizing Principal dental plan coverage for implant crowns starts with an informed treatment plan and a team that understands your benefits. Contact Carolina Complete Dentistry today to schedule your consultation. Together, we’ll design a path to a healthy, confident smile—without unwelcome surprises.