Find a plan.
Washington dental insurance guide 2022

Washington dental insurance guide 2022

Washington Health Plan Finder has certified individual and family dental plans from four insurers

Dental insurance in Washington

Washington uses a state-run health insurance marketplace named Washington Health Plan Finder for the sale of certified individual/family dental plans.

Not all insurers who offer medical plans through the Washington exchange include dental coverage with their health plans, but stand-alone dental plans are available for purchase that cover both adults and children.

How much does dental insurance cost in Washington?

For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $47 to $115 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Washington over a two-year period (2020-2021) was $66.99. (Typical family size was 1.2 to 1.4 persons.)

If a family is purchasing coverage through the Washington Health Plan Finder, the premiums associated with pediatric dental coverage may or may not be offset by premium tax credits (premium subsidies). Here’s more about how that works, depending on whether the health plan has integrated pediatric dental benefits.

Pediatric dental benefits in Washington

The pediatric stand-alone dental plans available in Washington will comply with the ACA’s pediatric dental coverage rules. This means out-of-pocket costs for pediatric dental care will not exceed $375 per child in 2022 (or $750 for all the children on a family’s plan), and there is no cap on medically-necessary pediatric dental benefits.

As is the case for all essential health benefits, the specific coverage requirements for pediatric dental care are guided by the state’s essential health benefits benchmark plan.

You can see details here for Washington’s benchmark plan, which does include coverage for both basic and major dental services for children.

Four insurers offer stand-alone dental plans through the Washington exchange

In 2022, four insurers offer stand-alone individual/family dental coverage through Washington Health Plan Finder. These are dental plans that are not included with a medical plan and must be purchased separately:

  • Delta Dental
  • Dentegra
  • LifeWise
  • PacificSource

These plans can be purchased through Washington Health Plan Finder during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event. Exchange-certified stand-alone dental plans are compliant with the ACA’s rules for pediatric dental coverage.

Can I buy dental insurance outside of Washington’s exchange?

There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Washington. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Washington Division of Insurance. If you would like to purchase a non-ACA qualified dental plan, ask a dentist for recommendations or search online.

There are also various dental discount plans available in every state. Dental discount plans are not insurance, but can offer discounted rates at participating dentists. Here’s what you need to know about the differences between dental insurance and dental discount plans.

To find plans in your area, search online for dental discount plans and the state you are looking to buy a plan in.

Medicaid/CHIP dental coverage in Washington

For adults enrolled in Medicaid in Washington, there is no dental coverage provided for any level of care. For fully eligible children (up to age 21), Medicaid in Washington does provide routine preventive and restorative services.

For children in Washington, there is ALL Kids (which is Washington’s CHIP), a program which provides coverage to children and pregnant women with income above the eligibility limits for Medicaid. ALL Kids enrollees are able to receive up to $1,500 in covered dental benefits per year.

Dental resources in Washington

Related articles

Here's what you need to know when you're shopping for adult dental coverage through a state health insurance marketplace or directly from a dental plan carrier.
There is no penalty for not having pediatric dental on your policy – and in most exchanges, you can purchase a plan without pediatric dental. But off-exchange, carriers are required ...
If you're an adult who bought a dental insurance plan, your out-of-pocket costs will depend entirely on the amount of dental care you need during the year. But for children, ...
For those who purchase their own insurance, the decision to purchase dental coverage is not always as clear-cut as the decision to purchase health insurance.
Pediatric dental is one of the essential health benefits, although it’s a bit more complicated than the other nine. Some medical policies have pediatric dental embedded in the plan, and ...
Dental insurance and dental discount plans can both be useful in terms of reducing your total dental costs, but they vary significantly in terms of the benefits you get and ...

Other types of coverage

Individual and Family
Short-term
Medicaid
Medicare

Washington health insurance marketplace 2023 guide

The state of Washington operates its own health insurance exchange, Washington Healthplanfinder. Public option and standardized plans became available as of 2021, and additional state-funded premium subsidies are available as of 2023 for applicants with income up to 250% of the poverty level.

Compare plans!
Washington health insurance marketplace 2023 guide

Short-term health insurance in Washington

Check short-term health insurance plan availability in Washington and shop for coverage. Learn about state regulations regarding short-term plan duration and renewal.

View plan availability in your state.
Short-term health insurance in Washington

Washington and the ACA’s Medicaid expansion

As a result of Medicaid expansion, total enrollment in Washington Medicaid and CHIP grew by nearly 848,00 people between the fall of 2013 and May 2021. That was an enrollment growth of 76%.

See if you're eligible.
Washington and the ACA’s Medicaid expansion

Medicare in Washington

For all information on Medicare in Washington, healthinsurance.org has you covered. Get all the resources you need to make an informed decision.

Compare plans!
Medicare in Washington

Learn about health insurance coverage options in your state.

Our state guides offer up-to-date information about ACA-compliant individual and family plans and marketplace enrollment; Medicaid expansion status and Medicaid eligibility; short-term health insurance regulations and short-term plan availability; and Medicare plan options.