Updated September 1, 2026
Verify Principal Financial Group eligibility in real time.
Principal Financial Group supports electronic real-time eligibility. Send the check to payer ID 00143MC and the full benefits picture comes back in under a second, before the patient sits down.
Also billed as: Principal Financial Services · Principal Life Insurance (Dental) · Principal Life Insurance Co · Principal National Life Insurance Company
Under 1 second
The same Principal Financial Group check that takes 15 to 25 minutes on the phone. Ten patients tomorrow: ten checks, or three hours on hold.
5 billing names
Principal Financial Group shows up on cards under 5 names. Every one routes to payer ID 00143MC, and so do 8 older payer IDs still printed on cards. No guessing which card this is.
Not specified by the payer
Principal Financial Group covers dental, vision. Sign in and check any patient in one click before they arrive.
First month free
On day 30 your card on file is charged $500 unless you cancel. Then $2.50 a check. No seat fees, no platform fee, no contract.
The phone way
Call, hold, transcribe, repeat.
Verifying Principal Financial Group by phone means a menu, a hold queue, and 15 to 25 minutes per patient while someone at the desk reads benefits back by hand. Ten patients on tomorrow's schedule is half a workday on hold.
The real-time way
Payer ID 00143MC, under a second.
The same check, sent electronically. Sign in and run it for any patient in one click, and Valian flags the ones that need a human look.
| By phone | In Valian | |
|---|---|---|
| Time per patient | 15 to 25 minutes on hold | Under a second |
| When it happens | Day of, squeezed between patients | Any time before the visit, in one click |
| What you get | Notes scribbled while someone reads benefits aloud | The full breakdown, saved to the patient |
What a Principal Financial Group eligibility check returns
- Whether coverage is active, with plan and group details
- Deductible, and how much of it is already met this year
- Annual maximum, and how much of it is left to work with
- Coverage percentages by category: preventive, basic, major
- Frequency limits on cleanings, exams, and X-rays
- Waiting periods, where Principal Financial Group reports them electronically
Eligibility result
Sample data- Status
- Active
- Plan
- PPO · Group 8823
- Deductible
- $50 · $0 met
- Annual max
- $1,500 remaining
- Preventive
- 100%
- Basic
- 80%
- Major
- 50%
- Cleanings
- 2 / year
Returned in under a second · payer ID 00143MC
How practices handle this today, in their own words
Verbatim from recorded calls to dental offices. Names withheld.
We call the insurance, or I go on their website and do it. Yeah, we manually do it.
We have a third party insurance verification team that does it for us. I’m not too sure, maybe like seven, ten minutes.
Our system does it, and the ones that are not set up for electronic, we do ourselves.
How getting set up works
Sign up
About ten minutes: create the account, sign the agreement, and your free first month starts. On day 30 your card on file is charged $500 unless you cancel.
Connect your system
We connect your practice management software with your office manager. Open Dental, Dentrix, Eaglesoft, and more.
Run a check in one click
Sign in, pick a patient and see their coverage in under a second before the visit, Principal Financial Group included. No hold music, no portal logins.
Under half an hour of your time all in. See the full walkthrough on the insurance verification page.
What Principal Financial Group supports electronically
- Real-time eligibility (270/271)
- Yes, under a second
- Enrollment for eligibility
- None, checks work day one
- Dental claims (837D)
- Yes
- Claim status (276/277)
- Yes
- Electronic remittance (835)
- Yes, after a one-click enrollment, typically a few weeks
- Electronic funds transfer
- Yes, after enrollment
- Claim attachments
- Not offered electronically
Names and IDs this payer goes by
Principal Financial Group · Principal Financial Services · Principal Life Insurance (Dental) · Principal Life Insurance Co · Principal National Life Insurance Company. Older cards may show payer ID 00256, 10170, 10171, 61271 and 61271MA. All of them route to payer ID 00143MC.
How to verify Principal Financial Group, step by step
Get the member ID and date of birth from the card or the patient.
Send the electronic eligibility request (a 270) to payer ID 00143MC.
Read the response (the 271): status, deductible, max, percentages, frequencies.
Save the breakdown to the patient. With Valian, all four take one click and under a second.
Principal Financial Group, quick answers
Does Principal Financial Group support real-time eligibility?
Yes. Eligibility checks to Principal Financial Group clear electronically in under a second through payer ID 00143MC.
What payer ID do I use for Principal Financial Group?
00143MC for eligibility transactions. The same payer also appears on cards as Principal Financial Services, Principal Life Insurance (Dental), Principal Life Insurance Co.
What does a check cost with Valian?
$2.50 per verification. Sign in and run each check in one click before the visit. Your first month is free. On day 30 your card on file is charged $500 unless you cancel. No contract and no seat fees.
Does Principal Financial Group require enrollment before I can check eligibility?
No. Eligibility checks work from day one, with no payer enrollment paperwork.
Can I get Principal Financial Group remittances electronically?
Yes. Principal Financial Group sends electronic remittance advice (835) after a one-click enrollment, typically a few weeks.
What if the patient's card shows a different Principal name?
Alternate billing names route to the same payer ID, 00143MC. The same check covers them.
More questions about verifying Principal Financial Group? Schedule 15 minutes with us and bring your toughest plan.
Check any Principal Financial Group patient in one click, before they walk in.
First month free. On day 30 your card on file is charged $500 unless you cancel. $2.50 a check after that. No seat fees, no platform fee, no contract.
Book 15 minutes, demo or onboarding
Pick a time, then tell us on the form whether it is a demo or an onboarding call.
Payer names and marks belong to their owners and identify the insurance company a practice can verify. Sample result shown for illustration; real results reflect the patient's actual plan. Payer capabilities can change between network updates.