The proposed bill aims to reform the dental benefits system in Washington by prohibiting unfair and deceptive practices by dental insurance companies, thereby prioritizing patient choice and access to care. It seeks to align dental insurance protections with those established for medical insurance, ensuring that patients can choose their dentists and receive full benefits without corporate restrictions. Key provisions include mandating that a certain percentage of premium dollars be spent directly on care, allowing patients to request independent reviews of denied claims, and addressing inequities in the system, particularly for vulnerable populations.

The bill introduces several new sections to existing laws, including provisions that require limited health care service contractors to allow dentists to make treatment decisions in consultation with patients, prohibit modifications to reimbursement rates without written consent from dentists, and ensure transparency in payment processing. Additionally, it mandates that dental insurers report their loss ratios and administrative expenses, and it establishes guidelines for rate approval to prevent excessive or discriminatory pricing. The legislation aims to create a fairer, more transparent dental insurance market that improves access to care and reduces out-of-pocket costs for all residents in Washington.

Statutes affected:
Original Bill: 48.44.035, 48.44.495, 48.43.743