Dental Insurance – Washington
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Washington Dental Insurance
The different types of dental insurance in Washington are:
Washington dental discount plans offer immediate coverage and allow for unlimited use of services by using a Washington dental network and are based on a discounted fee schedule. The cost of a discount card is small compared to the potential savings an individual or family could gain from a discount card.
DHMOs have low premiums and no waiting periods, deductibles, or plan maximums. If a Washington dentist does not accept DHMOs, plan subscribers can go to any Washington dentist that is in-network. With Washington DHMO plans, patients are responsible for the co-payment at the time of service.
A Washington fee schedule works similar to a Washington PPO. Fee schedule plans provide reimbursement for a specific amount based on a fee schedule, with any balance due being the patient’s responsibility. In general, Washington fee schedule insurance plans have lower premiums than Washington PPO and indemnity plans. These plans provide co-insurance if patients go to in-network Washington dentists; out-of-network benefits are paid according to the fee schedule.