We hear from a lot of consumers who want to buy dental insurance on their own, without getting it through an employer. Many companies -- and here's a list -- sell dental insurance directly to Washington state consumers.
When we hear from people who want to buy dental insurance on their own, they often wonder whether there are any particular questions they should ask the insurance company. Here are some suggestions:
• Is your current dentist in the dental plan’s network?
• What benefits does the plan provide? (If you don’t know, ask the company for a copy of the policy. They have to give you a copy if you specifically ask.)
• Does the plan have a waiting period before it will cover pre-existing conditions? If so, how long is the waiting period?
For many people, dental insurance isn’t within their price range. Fortunately, there are a number of low-cost or no-cost dental programs, and the Department of Health has a list of those programs on its website.