Working with us

When you have a patient with dental insurance from Principal^®, we’re here to help make that experience as easy as possible. Leverage our online Provider Service Center to make your job easier. And watch these videos to see all the ways you can self-serve.

To access the Provider Service Center, you’ll need to register for an account. Once you have that, you can log in at any time to:

• Check patient eligibility and coverage, including coinsurance, deductibles, benefit maximums, tooth history, network membership, and benefits in effect on a given date.
• Determine if your patient is eligible for an exam, cleanings, X-rays, and other major services.
• View, request, and print benefit summaries online.
• Submit a pre-determination.
• Request a copy of the fee schedule.
• View the explanation of benefits (EOB) online. 
• Submit additional information needed to complete claim processing.

We're working with Change Healthcare and ECHO Health, Inc. for electronic fund transfers (EFTs), electronic remittance advices (ERAs) and virtual credit cards (VCC). Get paid fast with one of these options:

• EFT: Sign up to receive EFT from Principal only. Or, sign up for EFT from all payors.
• ERA: Sign up to receive ERAs. For providers who are enrolled in EFT, you can receive ERAs by updating your practice management system with ECHO's Payer ID 58379. All generated ERAs will be accessible to download from the ECHO provider portal.
• VCC: No action needed to receive VCC. If you would like to opt out of this payment method and receive paper checks, call ECHO Health at 888-927-4394. If you have received a VCC payment and want to opt out, visit ECHO Health.

Before treatment begins, you can request an optional pre-determination of payable benefits. Simply collect the following information:

• ADA codes for the procedure(s)
• Billed charge
• Supporting X-rays/information

Then submit it to us using one of the following methods:

• Log in to the Provider Service Center.
• Email us at CSDClaims@exchange.principal.com
• Mail the information to:

Principal
PO Box 10357
Des Moines, IA 50306-0357

Once the pre-determination is processed, it’s viewable in the Provider Service Center. You’ll also receive a written response within 15 business days. A pre-determination doesn’t expire if nothing has changed (i.e. plan changes, significant changes in mouth history, treatment plan changes, etc.).