For Consumers

Buying dental insurance

Most dental insurance is offered by employers to their employees and dependents. If your employer offers a plan, contact your human resource department for a copy of the plan booklet that details your benefits.

Starting this year, adults can buy an adult dental plan through the Washington Healthplanfinder (www.wahealthplanfinder.org). However, you must buy the dental plan in conjunction with a Qualified Health Plan for medical coverage. You can’t buy it as a stand-alone plan.

For children, all health plans sold through the Exchange (www.wahealthplanfinder.org) must include dental services for children under age 19.

Before you buy a dental plan, ask:

  • What are the plan's costs, benefits and exclusions?
  • Which dentists participate in the plan?
  • Do I think I’ll need major dental work?
  • Will regular exams and cleanings be enough?
  • When was my last dentist visit?
  • Will I need x-rays or other services?
  • How does the cost of paying for dental insurance compare to paying for dental services without insurance?

Buy directly from an insurance company

The following companies are approved to sell individual dental plans in Washington state:

Dental planPhone number
AFLAC800-992-3522
Dental Health Services800-248-8108
Dentegra (AARP members)866-261-4275
Humana877-877-1051
Kaiser Foundation Health Plan of the Northwest800-488-3590
LifeMap Assurance Company800-794-5390
Regence BlueShield888-344-6347
Starmount Life888-729-5433
UnitedHealthOne Dental Insurance Plan800-944-4699
Delta Dental of Washington800-554-1907
Willamette Dental855-433-6825, option #3

Note: This list may not be comprehensive. To find a plan in your area, contact an insurance agent.

Check out low- or no-cost dental programs

If you can't afford to buy an individual dental plan or have difficult paying for services, see if you qualify for a low- or no-cost program..

If you're on Medicare

Medicare does not cover routine dental care, but there are some Medicare Advantage plans that provide basic dental care such as cleaning and screenings. You can also contact companies directly that offer individual dental plans to see if they cover Medicare clients.