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Dental Insurance

Group Dental Insurance for Washington Employers

Dental coverage that keeps your team smiling and your costs predictable — from leading regional and national carriers.

PPO & DHMO plansPreventive, basic & majorOrthodontia options

Overview

The benefit employees notice every six months.

Dental is one of the most appreciated benefits you can offer — and one of the most affordable. Regular cleanings catch problems early, and predictable coverage means employees actually go. It’s a small line item that does outsized work for recruiting and retention.

We help Washington employers add dental that balances strong preventive coverage, reasonable annual maximums, and a network your team can actually use — whether you cover the full cost or offer it as a low-cost voluntary perk.

What’s included

100% preventive coverage on most plans
Basic services (fillings, extractions)
Major services (crowns, bridges, dentures)
Orthodontia riders for kids and adults
Large PPO provider networks
Employer-paid or voluntary options

Ahola Benefits team in Cle Elum, Washington

What’s Included

What our group dental insurance covers

The coverage tiers that make dental genuinely useful for your team.

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Preventive First

Cleanings, exams, and X-rays are typically covered at 100%, so employees keep up with care that prevents bigger bills.

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Basic & Major Services

Fillings, extractions, crowns, and bridges covered at predictable coinsurance levels.

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Orthodontia

Add ortho riders for braces and aligners — a top request from employees with families.

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Large Networks

National PPO networks mean your team can usually keep the dentist they already like.

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Predictable Costs

Clear annual maximums and deductibles keep both employee and employer costs in check.

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Voluntary Options

Offer dental at little or no employer cost by letting employees opt in and pay through payroll.

Your Options

Group dental plan types

From full employer-paid coverage to low-cost voluntary plans.

PPO

Dental PPO

The most popular choice — see any dentist, with the best rates in-network and broad nationwide access.

DHMO

Prepaid / DHMO

Lower premiums with a defined network and set copays. A strong value when your team is geographically concentrated.

Voluntary

Employee-Paid

Offer quality dental at minimal employer cost — employees enroll and pay convenient payroll rates.

Ortho

Orthodontia Rider

Add braces and aligner coverage for children (and often adults) to any base dental plan.

How it works

How we add dental to your benefits

Simple to add, simple to manage.

01

Discovery

We learn your team and whether you want employer-paid or voluntary dental.

02

Plan Design

We pick the coverage tiers, maximums, and ortho options that fit.

03

Market Comparison

We compare the top dental carriers and networks for your area.

04

Enrollment

We handle sign-up and explain coverage to your employees.

05

Ongoing Support

We answer claims questions and review your renewal each year.

Carrier Partners

Plans From the Carriers You Know and Trust

We work with the region's leading insurance carriers to find the right fit for your business and your team.

Frequently Asked Questions

Common Dental Insurance Questions

What's the difference between a dental PPO and a DHMO?

A dental PPO lets employees see any dentist, with the lowest cost in-network and broad nationwide access — it’s the most popular option. A DHMO (or prepaid plan) has lower premiums but requires using a specific network and set copays. PPOs offer flexibility; DHMOs offer savings when your team is local.

Is orthodontia included in dental plans?

Not by default — ortho is usually added as a rider. It’s one of the most requested additions, especially for employees with children, and it typically comes with its own lifetime maximum. We’ll show you the cost to add it.

Are there waiting periods for major work?

Many dental plans apply waiting periods (often 6–12 months) before covering major services like crowns or bridges, though some plans waive them with prior coverage. We’ll flag the waiting periods on any plan we recommend.

Can I offer dental without paying for it myself?

Yes — voluntary dental lets employees enroll and pay through payroll at group rates, often at little or no cost to you. It’s a popular way to expand benefits on a tight budget.

What does the annual maximum mean?

It’s the most the plan will pay toward your care in a year (commonly $1,000–$2,000). Preventive care often doesn’t count against it. Once you understand the maximum and deductible, comparing plans gets much easier — and we’ll walk you through it.

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