Working with us

Provider Service Center

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.

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.


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:

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.).


You can submit the ADA standard claims form to us using one of the following methods:

PO Box 10357
Des Moines, IA 50306-0357

Please use the privacy ID only. Claims submitted with a Social Security Number won’t be accepted.

Once the claim is processed, the explanation of benefits (EOB) is viewable in the Provider Service Center. The EOB shows:

  • Adjustments to charges you need to make to your records.
  • Amount due from the patient, such as coinsurance and deductible, if any.

Dental claims will only be considered if received within 12 months of the date of service. Orthodontia claims will only be considered if received within 36 months of the date of service.

Submit additional information needed to complete claim processing or to appeal a claim decision by logging in to the Provider Service Center. You can also use the same email or mailing address listed above.

Leverage these clearinghouses to save time, increase claim accuracy, and get paid faster. Our payor number is 61271 for the following options:


Use PaySpan Health for electronic fund transfers (EFTs) and electronic remittance advices (ERAs) to get paid faster.* With this service, you can:

  • View summary of electronic payment online
  • See patients’ explanation of benefits (EOB) anytime
  • Be confident transactions are HIPAA-compliant

Register with PaySpan Health using your National Provider Identifier (NPI) or Tax Identification Number (TIN), bank routing number, and account information. Then:

  • Visit, and select Register.
  • After completing all required information, check your bank account a few days later for receipt of a small test deposit.
  • Finish activation of your account on

Questions about registration? Call the PaySpan client support center at 877-331-7154.

Principal clinical guidelines—at your fingertips

Easily find guidelines for frequently submitted procedures that require review—and what you need to submit.

Have questions? 

Reach us by phone Monday-Thursday, 7:30 a.m. to 6:30 p.m. (CST), Friday 7:30 a.m. to 6:00 p.m. (CST).

  • Office changes: 800-832-4450
  • Benefit verification: 800-247-4695

*Most claim payments are eligible for electronic payments. However, some may be made via check. 

Dental Insurance from Principal® issued by Principal Life Insurance Company, Des Moines, IA 50392