Buy dental insurance | Office of the Washington State Insurance Commissioner

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

Adults under age 65 who do not have an employer option to obtain a dental plan can purchase one through the Washington Healthplanfinder (www.wahealthplanfinder.org). However, you must purchase the dental plan in conjunction with a qualified health plan for medical coverage. You cannot purchase it as a standalone plan.

The Washington Healthplanfinder requires children enrolled in a health plan to also be enrolled in a dental plan.

For people with Medicare, you can purchase a plan directly from an insurance company (see list below).

Before buying a dental plan, ask:

  • What are the costs, benefits and exclusions of the plan?
  • Which dentists participate in the plan?
  • Do I think I will need major dental work?
  • Will regular checkups and cleanings be enough?
  • When was my last visit to the dentist?
  • 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?
  • How do I cancel the policy if I no longer want it?

Buy directly from an insurance company

The following companies are licensed to sell individual dental plans in Washington State:

Contact information for insurance companies that sell individual dental plans in Washington

Dental insurance

Phone number

Washington Dental Delta

800-554-1907

Renaissance Life and Health Insurance Company of America

888-791-5995

UnitedHealthcare/Golden Rule

800-273-8115

Willamette Dental

855-433-6825, option 2

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

Explore low cost and no cost dental programs

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

If you are on Medicare

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

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