The bill aims to enhance patient choice and access to dental care by prohibiting unfair and deceptive practices in dental insurance. It introduces several new sections to chapter 48.43 RCW, including provisions that prevent dental-only plans from denying coverage for procedures performed on the same day, while still allowing denials based on fraud prevention, clinical appropriateness, and other specified criteria. Additionally, the bill allows dental providers to receive reimbursements via credit card, provided that insurance carriers inform them of any associated fees and offer alternative payment methods without such fees.

Furthermore, the bill mandates the insurance commissioner to collaborate with the William D. Ruckelshaus Center to facilitate discussions among various stakeholders, including dental associations and insurance carriers, to address issues like dental loss ratios and payment structures. It also amends existing law to require health carriers to submit annual data on dental plans based on Washington-specific information, ensuring transparency and public access to this data. The bill is set to take effect on July 1, 2025, and includes provisions for the commissioner to adopt necessary rules for implementation.

Statutes affected:
Original Bill: 48.44.035, 48.44.495, 48.43.743
Substitute Bill: 48.43.743