1099 Dental Benefits Plan
for Locum Tenens Providers
1099 Dental Benefits Plan for Locum Tenens Providers
Benefits Designed for Independent Contractors who are 1099s and Small Businesses with W2 Employees
Coverage that keeps your smile and schedule intact
Dental benefits shouldn’t be an afterthought. Ten99 Health offers preferred provider organization (PPO) dental plans tailored to the needs of self-employed professionals, featuring broad coverage, generous benefits, and nationwide access.
Flexible provider options
Coverage that follows you wherever you go. Access 117,000+ dentists nationwide and take advantage of in-network savings.
Rollover unused funds
Didn’t take full advantage of your coverage this year? No problem. Simply rollover unused funds to the next calendar year (up to four times the carryover amount).
Built-in support
Think of us as your HR department. From plan selection to claims help, we’ve got you covered every step of the way.
1099 perks
Our coverage is flexible to fit the 1099 lifestyle, including easy enrollment that fits your schedule.
We encourage 1099 locum tenens providers to compare our plan to other dental insurance options available in the marketplace. Our plan offers comparable coverage, potentially at a lower rate.
| Provider Network | Principal |
|---|---|
Preventive Care | |
| Exams, Cleanings, Bitewing and Full-Mouth X-rays, Fluoride for Children | 100% covered in-network |
Basic Services | |
| Fillings, Emergency Exams, Periodontal Maintenance, Oral Surgery | 80% covered in-network |
Major Services | |
| Crowns, Implants, Root Canals, Dentures, Bridges | 50% covered in-network |
Note: Age and frequency limits apply. Fluoride is covered once per year for children under 14. Sealants and habit appliances are limited to pediatric care.
Ten99 Health Testimonials
Dental Plan Pricing
Our 125 plan (also known as a “cafeteria” plan) lets you pay insurance premiums with pre-tax dollars, reducing your taxable income. This structure provides you with more control over your benefits and increased take-home pay, similar to traditional employer-sponsored plans.
Coverage Level & Monthly Cost
$75
$150
$150
$220
To find a network dentist, visit principal.com above or call (800) 247-4695. Using a network dentist may lower your costs, as they agree to reduced fees and won’t bill you the difference, with access to over 117,000 providers nationwide.
- Copies of marriage licenses and birth certificates are required for dependents’ coverage.
- Member must be actively working as a 1099 contractor to be eligible (unless you are part of a group plan).
- In-network only coverage except for emergency. See SBC for details.
- There is no access to BCBS online portal. You will be sent your Explanation of Benefits (EOB) in the mail directly to your address.
- The plan is a one-year minimum contract. Month to month thereafter.
- All individual enrollments need to be completed by the 15th of the month at 5 pm CST. If the 15th falls on the weekend, enrollments must be completed by the following Monday by 5 pm CST. (Completed enrollments include payment information, marriage licenses and birth certificates)