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Best Dental Insurance in Washington State: Comparison and Plan Review

Contributors:  Natalie Asmussen

Are you looking for the best dental insurance in Washington state? If that's the case, we understand how difficult it may be to sort through the various plans offered to you. In our guide below, we've compiled information on the best dental insurance plans in Washington.

It's critical to do your research before making a decision, because the right dental insurance may save you a lot of money on dental payments.

When searching for the best dental insurance in Washington state to match your requirements, you'll come across many options, along with:

  • Individual dental insurance
  • Low-cost dental insurance
  • Dental insurance plans with no waiting period
  • Dental insurance for seniors
  • Low-income dental insurance
  • Dental and vision insurance

We hope that after examining the information below you will be able to choose which dental insurance plan is best for you.

Types of dental insurance in Washington

dental insurance and dental discount plans
Dental savings plans are good if you need immediate coverage

PPO, DHMO, and dental discount plans

Dental discount plans, commonly referred to as dental savings programs, are an excellent way to save money on dental care if you require it urgently. They aren't dental insurance, but they may reduce the amount of money spent on dental treatment.

Most DHMO plans require you to choose a dentist from a network to manage all of your treatments. Such kinds of dental insurance generally have the lowest prices and include routine care for very little or no cost.

PPO dental insurance plans provide you with greater freedom in selecting your dentist and often provide better levels of coverage. These dental insurance plans, on the other hand, are often more costly than DHMOs or dental discount plans.

Individual dental insurance

The main difference between individual dental insurance and employer-sponsored dental insurance is how they are bought. They both achieve the same goal and have the same features and benefits.

Dental insurance for seniors in Washington state

Dental insurance for seniors is similar to dental insurance for younger people, with the exception that it focuses on the coverage that seniors are more likely to need. Crowns, root canals, dentures, and tooth replacements are examples of these services. Although these services are not limited to seniors, they are more likely to need them.

The best dental insurance plans for seniors in Washington provide affordable rates, no waiting periods, and minimal copays. They also include large yearly maximums to cover costly procedures.

Some of the healthcare providers known for providing good dental insurance for seniors in Washington are Delta Dental, Cigna, Aetna, and Humana, just to name a few.

Low-income dental insurance

Supplemental dental insurance plans are great if you need additional coverage

The government-run health care program Medicaid is frequently referred to as low-income dental insurance in Washington state. Your eligibility to participate in the Medicaid dental insurance program is determined by your monthly income, family size, age, and qualifying category.

Dental coverage through Medicaid in Washington covers routine exams, cleanings, x-rays, fillings, sealants, crowns, extractions, fluoride applications, and orthodontic services for children.

Supplemental dental insurance in Washington state

Supplemental dental insurance can be obtained to fill any gaps in a policyholder's existing dental coverage. It may make up the difference if the primary insurance policy's annual expenditure limit is reached or if the coverage does not include required or recommended dental services.

Supplemental dental insurance in Washington can be bought from Delta Dental, Cigna, Metlife, or various other healthcare providers.

Dental and vision insurance

To encourage clients to purchase all of their insurance from one provider, several health care providers provide vision and dental insurance. If you’re interested in buying a combination of dental and vision insurance in Washington, you can look into Guardian Direct, Delta Dental, or Ameritas.

How to find the ideal dental insurance in Washington for your needs

It involves more than just looking for the lowest price possible to find the ideal dental insurance in Washington. The cheapest dental insurance isn't always the most cost-effective or best choice. You should also think about the following factors:

High coverage vs. low-cost dental insurance

You might be wondering when it's better to get low-cost dental insurance versus a full-coverage dental plan.

A general rule of thumb is:

dental insurance no waiting period
Look for dental insurance with no waiting period if you need coverage right away

If your teeth are in great overall condition, a low-cost dental insurance plan with a higher deductible and co-payments may be the best choice. However, if you require major treatments, paying a greater premium but receiving better coverage may be more cost-effective.

No waiting period

Some plans may require you to wait for a certain timeframe before receiving specific dental services. Most dental insurance companies in Washington have no waiting period on diagnostic and preventive services, but in some cases, the waiting time can be anywhere from 6 to 12 months. If you require dental care right away, the waiting period of a plan is something you'll want to look into.

List of the best dental insurance companies in Washington state

Take a look at the private dental insurance plans available in Washington if you don't qualify for low-income dental insurance like Medical Assistance or Medicaid. Each dental insurance provider has its own distinct set of benefits. We've created a list of the best dental insurance plans in Washington so you can start comparing your possibilities.

Delta Dental insurance Washington

Delta Dental insurance plans
Delta Dental of Washington State

Delta Dental of Washington offers a wide range of individual and family dental insurance plans.

Delta Dental Basic Plan

The Basic Plan includes coverage for emergency treatments, fillings, and non-surgical extractions, in addition to preventative services like examinations and cleanings. You may go to any dentist, but if you go to a Delta Dental network provider, your out-of-pocket costs will likely be lower.

This Washington dental insurance plan is perfect for individuals in need of a low-cost plan that includes regular preventative care.

Delta Dental Clear Plan

The Clear Plan specifies how much you'll pay for dental treatment in advance, and you'll pay that amount – no more! This dental plan is excellent for those who want to know how much they'll have to spend out of pocket if they require dental treatment in the future. Benefits are limited to the Delta Dental PPO and Delta Dental Premier networks.

Delta Dental Enhanced Plan

This plan is suitable for individuals who are seeking a plan with complete coverage comparable to that offered by an employer-sponsored plan. With this insurance policy, you may go to any dentist, but if you go to a Delta Dental network dentist, your out-of-pocket spending will likely be lower.

Delta Dental Premium Plan

Washington's Delta Dental Premium plan is ideal for individuals seeking full coverage for the majority of dental services as well as a larger yearly limit. As with the other plans, you may go to any dentist, but if you go to a Delta Dental partnering dentist, your out-of-pocket costs may be lower.

aarp dental washington state

AARP dental insurance (by Delta Dental)

AARP is a dental insurance provider which is administered by the well-known health care provider Delta Dental. This dental insurance in Washington offers two PPO plans.


This plan provides reduced out-of-pocket expenses and includes free preventive care, crowns, teeth whitening, and optional accident coverage. The annual maximum is set at $1,500 and there’s a $50 deductible to pay.


Plan B has a lower monthly premium and higher out-of-pocket costs than Plan A. There’s a $90 deductible and an annual maximum benefit of $1,000. Checkups, cleanings, and common procedures like fillings and root canals are all covered.



Coverage on office visits, x-rays, cleanings, exams



Coverage on tooth removal, and root canals



Coverage on fillings



Coverage on gum cleanings, and denture repair



Coverage on teeth whitening (6-month waiting period)


Not covered

Coverage on implants, crowns, gum treatments, complete dentures, veneers (12-month waiting period)



Details correct at time of writing; check with insurer for current and complete policy details.

willamette dental insurance washington
Willamette dental insurance in Washington State

Willamette dental insurance

Willamette dental insurance in Washington is another option. For their individual plan, they don’t charge a deductible. Also, there is no annual maximum limit. For every treatment or office visit, there is a fixed copayment, so you know exactly what you are going to pay. A general office visit costs $25, a filling $45, and a stainless steel crown is a $90 copayment. Dental exams, x-rays, and teeth cleanings are free of charge with a $0 copay.

This is a good dental plan for people in Washington who want to know exactly how much they are going to pay for any future dental procedures.


Type of plans offered


Delta Dental


Great variety of low-cost plans and full-coverage dental insurance; There is one available for every budget and requirement



Good coverage; Access to a large network of dentists



No annual maximum limits; No deductible; Fixed copayment for every office visit and treatment

Details correct at time of writing; check with insurer for current and complete policy details.

It might be tough to choose which dental insurance in Washington is the most cost-effective. Read the policy of the medical provider thoroughly to ensure you understand what you'll be committing to.

Here's a good general tip to consider while looking for the best dental insurance in Washington:

If your teeth are in excellent form and you just need preventive care and fillings, a cheaper premium plan is the best bet. But if you want orthodontic coverage and other pricey treatments, you should get a larger plan with full-coverage dental insurance.

If you want to read about the best insurance option in any other state, please select from the list below.


What is the best dental insurance in Washington state?

There is no one-size-fits-all insurance solution. There are numerous plans in Washington state, such as dental insurance for veterans, dental insurance for seniors and retirees, and more. You can also get combination plans like dental and vision insurance, or health and dental insurance.

We combed through Washington's best dental insurance plans and verified their availability in the state's major cities, including Seattle, Spokane, Tacoma, and Bellevue. However, some different dental insurance companies, such as Medicaid Dental, LifeWise, Metlife, Guardian, Nationwide, and Humana, may be offered based on your area.

Where can I buy a dental insurance in Washington state?

You don't have to contact a Washington dental insurance agency directly. can help you choose the most suitable dental insurance for your preferences. By entering your ZIP code and date of birth, you can compare the best dental insurance plans in Washington State. Simply click on the button below to get started.

Best Dental Insurance in Washington State: Comparison and Plan Review
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Natalie used to work as a Community Health Worker and Health Insurance Navigator. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.