6150 W. Higgins Ave Chicago, IL 60630
Principal Financial Group Dentist in Chicago, IL
Most people don't realize how much their Principal Financial Group plan actually covers until they're sitting in the chair — and that moment of relief is something we love being part of. At Smile Era Dental, we're in-network with Principal Financial Group, which means your plan's contracted rates apply from the very first visit. No surprises. No scrambling to figure out what you owe.
When you come in, our team handles the insurance side of things so you don't have to. We'll verify your benefits before your appointment, walk you through what your plan covers, and make sure you understand your portion before any treatment begins. Dr. Josh Philip and Dr. Soumya Thomas focus on your care — we handle the paperwork in the background.
We're located at 6150 W Higgins Ave right here in Chicago, with extended weekday hours and Saturday availability to fit real life. If you're ready to put your Principal Financial Group benefits to work, we'd love to get you scheduled.
What Does Your Principal Financial Group Plan Cover Here?
Principal Financial Group dental PPO plans are structured a lot like most major insurance plans — coverage is divided into three categories, and how much your plan pays depends on which category a service falls into. Preventive care, things like cleanings, exams, and X-rays, is typically covered at the highest level, often around 100% after your deductible. That's the insurance company's way of encouraging you to stay on top of your dental health before small issues become bigger ones.
Basic services like fillings and simple extractions are usually covered at a lower percentage, and major services — crowns, bridges, dentures, root canals — typically fall into a third tier with a different cost-sharing arrangement. Your plan also has an annual maximum, which is the most your insurance will pay out in a given benefit year. Once you hit that amount, any remaining costs are yours to cover. Every plan is a little different, so we always recommend calling us ahead of your visit so we can pull your specific benefits and give you a clear picture of what to expect.
Smile Era Dental Is an In-Network Principal Financial Group Provider
Being in-network means we have a direct contract with Principal Financial Group — and that matters for your wallet. When a dentist is in-network, the fees they can charge are pre-negotiated, which typically results in lower out-of-pocket costs for you compared to seeing an out-of-network provider.
If you've had a dental plan with Principal and never used it because you weren't sure who was in-network, this is your answer. You can come to Smile Era Dental here in Chicago and use your benefits the way they were meant to be used — with the contracted rate applied automatically, no extra paperwork, no reimbursement chase. We file your claims directly and handle the billing on our end.
Why Chicago Patients Choose Smile Era Dental
Dr. Josh Philip and Dr. Soumya Thomas both take the time to explain what they're doing and why. That might sound basic, but a lot of people come to us having felt rushed or confused at other offices. Here, you leave knowing exactly what was done, what's coming up, and how your plan fits into the plan for your care.
Smile Era Dental serves a busy Chicago community, so our hours are built around real schedules — early morning on Thursdays, evenings on Mondays, and Saturday mornings for those who just can't get away during the week. We're genuinely happy to see new patients and to help you make the most of your Principal Financial Group benefits. Give us a call at (773) 594-0655 or book online whenever you're ready.
We'd love to help you use your Principal Financial Group benefits — give us a call at (773) 594-0655 or book your visit online in just a few minutes.
Call us: (773) 594-0655
Frequently Asked Questions
Yes — Smile Era Dental is in-network with Principal Financial Group. That means Dr. Josh Philip and Dr. Soumya Thomas have agreed to contracted rates with your insurance. You’re not paying out-of-pocket more than you should. If you want to double-check your specific plan before your visit, just call us at (773) 594-0655 and we’ll look it up for you.
When your dentist is in-network, they’ve agreed to set fees with your insurance company. That usually means lower out-of-pocket costs for you compared to seeing someone out-of-network. Out-of-network dentists can charge whatever they want, and your insurance may cover less — or nothing. Being in-network with Principal Financial Group means your costs stay more predictable here.
Most plans cover preventive care — like cleanings, exams, and X-rays — at a high percentage, sometimes fully. Basic restorative work like fillings is usually covered too, though you’ll likely share some of the cost. Major work like crowns or root canals typically has a higher cost-share. Your exact coverage depends on your specific Principal Financial Group plan, so it’s worth calling us to go over your benefits.
Most likely, yes. Since we’re in-network in Chicago, you get access to pre-negotiated rates — which are almost always lower than standard fees. You won’t be stuck paying full price. The exact savings depend on your plan’s coverage tiers and annual maximum, but using your insurance here is almost always better than letting those benefits go unused. Call (773) 594-0655 and we can walk you through it.
Yes, we’re actively welcoming new patients at Smile Era Dental. Whether you’re new to Chicago or just looking for a new dentist, Dr. Philip and Dr. Soumya Thomas are both accepting appointments. If you have Principal Financial Group insurance, you’re already set up to use your benefits here from day one. We’d love to get you in.
The easiest way is to call us directly at (773) 594-0655. Our team can check your Principal Financial Group benefits, answer any questions about coverage, and get you scheduled with Dr. Josh Philip or Dr. Soumya Thomas. If you’d rather not call, you can also book online through our website. Either way, we’ll make sure your first visit goes smoothly.