Ensuring patient choice and access to care by prohibiting unfair and deceptive dental insurance practices.

HB 1535 prohibits dental insurers from restricting patient choice or limiting care based on network agreements, requiring dentists to make treatment decisions with patients rather than insurers. It mandates that at least 85% of dental insurance premiums be spent directly on patient care, not administrative costs, and gives patients the right to request independent reviews for denied claims. The bill directly affects dental patients (ensuring access to chosen providers and fair coverage), dentists (protecting their clinical autonomy), and dental insurers (requiring compliance with transparency and spending rules). These changes aim to create a fairer system by aligning dental insurance protections with medical insurance standards and reducing out-of-pocket costs for Washington residents.