Dental Insurance What does it offer E. Wellness offers two dental plans through Principal, both of which are PPO plans. These plans allow you to use either in-network or out-of-network benefits. If you choose to use out-of-network dentists, you will be responsible for paying the difference between Principal’s allowed amount and what the dentist may charge, also known as "balance billing." The charts below provide a brief overview of the plans. To find a provider, go to www.principal.com and click on "Individuals" at the top of the page. Click on the drop-down menu "Insure," then select "Find a Dentist." Under state, select "Florida" and indicate "Principal Plan Dental Network." Enter your preferred search location or provider/office. Check more offers See More