University of Chicago Postdoctoral Researcher Benefit Program


Principal PPO Dental Plans

The Principal PPO Dental Plans offer comprehensive dental coverage with the ability for you to make the choice of seeing an in-network dentist, or choosing a dentist of your own choice that is not affiliated with the Principal network panel of dentists. You may select one of the two plans offered: 1) The Low Option Dental Plan or 2) The High Option Dental Plan. Please click on the links at left for a detailed benefit description of both plans.

When you select an in-network dentist from the Principal PPO participating dentist list, you will pay less out of pocket than if you seek service from a dentist not on the list. Dentists who are contracted as providers for the Principal network agree to accept negotiated fees as payment in full…in other words, at a reduced rate. You may choose to see a dentist not on the list, what is termed as seeking service 'out of network’, but you will pay higher copays and co-insurance when you do so. The benefit of a PPO plan is that the choice is yours. To view the provider list, please click on the Provider Directory.

Principal offers access to up-to-date information regarding your benefits 24 hours a day, seven days a week through their eService platform. You can monitor your claim activity, research dental procedures, direct a question to a staff dentist, to name a few services the site offers. Please click on the eService Info link at left to obtain more details on what is offered and how to access this valuable program.

Your Evidence of Coverage Booklets describes your coverage in full and provides you with insurance carrier contact information. Please print and review this booklet and keep it for future reference.

Garnett-Powers & Associates is pleased to offer a Customer Service Representative who will assist you with benefit and enrollment questions. We will return your call or answer your email within 24 hours. Please address your questions to:

We thank you for the opportunity to be of service to you and your family.

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