5. Dental Insurance We provide two dental plans via Principal, both of which are PPO plans. These plans give you the flexibility to utilize either in-network or out-of-network benefits. In the event that out-of-network dentists are utilized, you will need to cover the variance between Guardian's approved amount and the dentist's charges, commonly referred to as "balance billing". The following charts offer a concise summary of the plan. Visit www.principal.com and navigate to the "Individuals" section. From there, access the drop-down menu labeled "Insure" and choose "Find a Dentist" for the state of Florida within the "Principal Plan Dental Network". Proceed by entering your preferred search location or the name of the provider/office you are looking for. See More 448