Most families don't realize how much their Principal Financial Group benefits stretch when they're seeing an in-network provider — and Fox Pediatric Dentistry is exactly that. Being in-network means the fees are already contracted, so you're not guessing what you'll owe after your child's visit. You see a clear number, not a surprise.
When you come in, our team takes care of the insurance side so you don't have to. We'll verify your benefits, submit the claim on your behalf, and walk you through what your plan covers before treatment starts. Dr. Vidhee Shah, Dr. Justin Baik, and Dr. Shivani Shah each bring a calm, kid-friendly approach to every appointment — which makes the whole experience easier for your little one and for you.
Fox Pediatric Dentistry is located at 400 S Randall Rd in Elgin, and we're welcoming new patients Monday through Friday. If you're ready to get your child in, you can book online or give us a call at (224) 470-7639.
What Does Your Principal Financial Group Plan Cover Here?
Principal Financial Group dental PPO plans typically follow a tiered coverage structure. Preventive care — things like routine cleanings, exams, and X-rays — is usually covered at the highest level, often at or near 100% when you're seeing an in-network provider. The idea is to make it easy to keep up with the basics, because catching things early is almost always less costly than treating them later.
Basic services like fillings and simple extractions are typically covered at a lower percentage, and major services — crowns, for example — usually fall into a third tier with a different cost-sharing rate. Your plan will also have an annual deductible and an annual maximum benefit. Once you hit that maximum for the year, any remaining costs become your responsibility until the benefit period resets. Your specific percentages depend on the plan your employer chose, so the numbers can vary. We'll help you understand exactly what your plan includes before we start any treatment.
Dental Services Your Principal Financial Group Plan Covers at Our Elgin Office
Under most Principal Financial Group PPO plans, your child's routine visits are well-supported. That includes comprehensive exams, professional cleanings, digital X-rays, and fluoride treatments — the core of keeping young smiles healthy year after year. When treatment is needed, your plan typically extends to tooth-colored fillings, simple extractions, and in many cases, stainless steel or tooth-colored crowns for primary teeth. Dr. Baik and Dr. Shivani Shah handle these services regularly, and the team at Fox Pediatric Dentistry is experienced in helping families get the most out of their coverage.
There are some services that may have limited coverage or need prior authorization before they're scheduled. Orthodontic treatment, for instance, is often a separate benefit with its own lifetime maximum — and not all Principal Financial Group plans include it. Cosmetic procedures generally aren't covered at all. If your child needs something beyond routine care, we'll check your plan details first so you know what to expect before any decisions are made. No guesswork, no surprises.
Fox Pediatric Dentistry Is an In-Network Principal Financial Group Provider
Being in-network with Principal Financial Group means we've agreed to contracted rates with the insurer. That matters for your wallet because you're only responsible for your portion of those agreed-upon fees — not the full retail price. Your out-of-pocket costs are lower, your claims go through more smoothly, and you don't have to deal with balance billing.
Out-of-network providers can charge above what your plan considers the allowed amount, which often leaves you covering the difference on top of your normal cost-share. Choosing an in-network office like ours means your benefits work the way they're supposed to — efficiently and without unexpected gaps. It's one of the simplest ways to make your plan go further.
How to Check Your Principal Financial Group Benefits Before Your First Visit
Before your child's first appointment, it's worth spending a few minutes confirming what your plan covers. Flip over your insurance card and look for the member services phone number — that's usually the quickest way to get accurate information straight from your insurer. When you call, have your member ID, group number, and the practice name ready. Ask specifically about pediatric dental benefits, your deductible, your annual maximum, and what percentage your plan pays for preventive and basic services. Most insurers also have an online portal where you can log in and review your coverage summary.
If that feels like a lot to navigate, our front desk team at Fox Pediatric Dentistry is genuinely happy to help. When you come in for your first visit, just bring your insurance card and we'll take it from there — we'll verify your benefits and give you a clear picture of what your plan covers before treatment begins. You're also welcome to call us ahead of time at (224) 470-7639 with any questions. We'd rather you feel informed going in than caught off guard after.
Why Elgin Families Trust Fox Pediatric Dentistry With Their Kids
Dr. Vidhee Shah, Dr. Justin Baik, and Dr. Shivani Shah built Fox Pediatric Dentistry around one straightforward idea — kids deserve dental care that actually feels okay. Not scary. Not rushed. Just calm, thorough, and age-appropriate. The office on S Randall Rd was designed with young patients in mind, and the team knows how to work with kids who are nervous, wiggly, or just not sure what to expect.
Families from across the Elgin area choose this practice because they feel like someone's actually paying attention to their child — not just checking boxes. Whether it's a first exam for a toddler or a filling for an older kid, the experience is personalized. If you'd like to see what that looks like for your family, call (224) 470-7639 or book online anytime.
Ready to get your child in? Call us at (224) 470-7639 or book your appointment online — we're welcoming new patients now.
Call us: +12244707639
