Getting dentures is a big step for comfort, chewing, and confidence. The other big step is deciding how to pay. Between Washington Apple Health (Medicaid), employer or flexible payment options, most patients can find a path that fits their budget without delaying care. If you are still weighing treatment types, read our guide on dentures vs dental implants and how to choose to see which route fits your goals and budget.
At btyDENTAL Lynwood, our team explains your choices in plain language and shows you the exact numbers before you decide. We help you check benefits, estimate out-of-pocket costs, and compare payment plans so you can move forward with clarity. For a quick overview of payment methods we accept and how they work, visit our Insurance & Financing page.
If you are using Washington’s Medicaid program, remember the state calls it Apple Health. It is not Apple Pay. Below you will find how Apple Health works for dentures, plus private insurance tips, self-pay options, and typical local price ranges.
How Dentures Are Paid For in Washington State
Before we dive into the details, it helps to know the big picture. In Washington, dentures can be paid by Apple Health, private dental insurance, Medicare Advantage dental benefits, or out-of-pocket with financing. The right mix depends on your eligibility, the type of denture, and any added procedures such as extractions or relines.
Apple Health vs private insurance vs self-pay
Apple Health is Washington’s Medicaid program. It covers many adult dental services, including complete and partial dentures for eligible adults, while excluding items like dental implants.
Private insurance often covers dentures as a “major service,” typically at a lower percentage with an annual maximum, so patients pay the remainder. Self-pay patients can combine in-house arrangements with third-party financing to split the cost. You can review all options and apply from our Insurance & Financing page.
Apple Health (Medicaid) and Dentures in Washington
Apple Health provides adult dental benefits statewide. If you qualify, it can be the most affordable route for dentures. Rules can change, so always verify your current benefits.
What Apple Health covers for dentures
Apple Health for adults lists complete dentures, partial dentures, and denture rebase or reline as covered benefits. It also covers extractions and surgical denture preparation when needed.
What Apple Health does not cover
Apple Health does not cover bridges, porcelain crowns, orthodontics, or dental implants. If you want implants or implant-supported dentures, plan on private insurance or self-pay financing. For price planning, see our breakdown of implant denture costs in Washington and review the types of dental implants to consider. If you smoke, read this guide on smoking and dental implants because tobacco use affects healing, timelines, and success rates.
Who qualifies and how to apply
Adults ages 19–64 may qualify based on income and other criteria. Requirements and income standards are updated periodically, and the state notes these can change each April. Apply or renew through Washington Healthplanfinder.
Finding an Apple Health dentist near Lynnwood
You can search for Apple Health dental providers through DentistLink or the state’s provider tools, or call the help line. These are the official pathways Apple Health recommends for finding care.
Private Dental Insurance and Marketplace Plans
If you have an employer plan or you buy your own dental insurance, dentures are usually considered a “major service.” Understanding your plan’s cost-sharing and limits prevents surprises.
Typical coverage rules for dentures
Many plans use a 100-80-50 structure, with major services at about 50% coverage. Waiting periods and annual maximums are common, so you may pay the remainder out-of-pocket. Always check your plan’s certificate of coverage for exact terms.
Annual maximums, downgrades, and preauthorization
Most plans cap yearly benefits, which can run out quickly with dentures. Plans may require preauthorization or apply “alternate benefits” that pay at a lower level. If you are shopping or comparing coverage changes for the year, this guide to the cost of health insurance in Washington State for 2025 explains how medical, dental, and Apple Health fit together.
Buying a plan through Washington Healthplanfinder
Adults without an employer plan can shop for dental coverage on Washington Healthplanfinder. You can enroll in one household dental plan along with a qualified health plan. Premium tax credits apply to the medical plan, not dental.
Paying Cash? Monthly Payment Options with btyDENTAL Lynwood
If you prefer to self-pay or your plan does not cover what you want, monthly payments can make treatment manageable. We help you compare options side by side and pick the one that fits your budget. You can start with our Insurance & Financing page for a quick look at current options.
Third-party health care credit cards (CareCredit)
CareCredit offers special promotional financing for dental care, including dentures. Promotional financing often includes “no interest if paid in full within the promo period.” Regular account terms apply if a balance remains, and the current purchase APR for new accounts is listed in CareCredit’s disclosures. Always review rates and terms before you apply.
Point-of-sale loans
Some lenders allow quick applications without a hard credit check and offer 3 to 72 month terms. Read the specific rate and term sheet that applies to you.
HSAs, FSAs, and paying with pre-tax dollars
Dentures are an eligible medical expense for Health Savings Accounts and most Flexible Spending Accounts. If you have one, using pre-tax dollars can lower your effective cost. Your HSA/FSA administrator can confirm eligible expenses and documentation rules.
How we help you choose
At btyDENTAL Lynwood, we can estimate each option and show the monthly payment side by side with promo timelines. You see the total cost, the monthly amount, and any interest before you decide.
What Dentures Cost Around Snohomish County
Prices vary based on materials, the number of teeth replaced, and the steps required to prepare your mouth for a great fit. Local ranges below are common starting points, not quotes.
Typical ranges for full and partial dentures
Many Seattle-area and nearby practices list basic complete dentures at about $600–$1,500 per arch, while premium dentures can run $2,000–$4,000 per arch. These figures reflect differences in materials and customization. Offices in Everett report similar ranges. If you are price-comparing other cities, our Puyallup guide puts numbers side by side for you: Dentures vs Implants Cost in Puyallup.
What adds to the cost
Extractions, bone smoothing for denture fit, relines, repairs, and follow-up visits can change the total. Apple Health commonly covers extractions and alveoloplasty when preparing for dentures, which can reduce out-of-pocket costs if you qualify. If you are evaluating implants for chewing strength in the back of the mouth, it helps to compare pricing with this overview of molar implant cost in Washington.
How insurance or Apple Health changes your share
Private insurance may pay a percentage until you hit the annual maximum. Apple Health pays according to its fee schedule for covered services and does not cover implants, so implant-supported options are usually self-pay or financed.
Step-by-Step: How to Finance Your Dentures at btyDENTAL Lynwood
A simple process keeps everything clear and predictable. We coordinate benefits and payment in one place so you can focus on getting your smile back.
Bring your coverage information
If you have Apple Health, bring your ProviderOne services card. If you have private insurance, bring your member ID. We will verify eligibility and benefits with your plan or the state.Get your treatment plan and CDT codes
After your exam, we will create a written plan that lists each procedure and code. This is the roadmap insurers use to process claims and the sheet lenders use to set a loan amount.Check benefits and preauthorization
We confirm what your plan covers, any waiting periods, and your annual maximum. For Apple Health, we check that the denture and any needed extractions or alveoloplasty meet the program rules.Choose a payment option
If there is a remaining balance, we can price out financing options side by side and show promo timelines and total costs. You can also use an HSA or FSA if you have one. For details on choices and application steps, visit Insurance & Financing.
FAQs for Lynnwood Patients
Short answers to questions we hear most often at the front desk.
Does Apple Health cover immediate dentures?
Apple Health lists complete and partial dentures as covered adult benefits. Coverage details and timing can vary by case, so we verify your plan before we schedule.
Are dental implants covered by Apple Health?
No. Apple Health’s adult dental list excludes dental implants. If you want implant-retained dentures, plan on private insurance benefits where available or self-pay with financing. To plan costs and options, read about implant denture pricing in Washington and the types of implants available. Healing habits matter too, so review this guide on smoking and implants.
Can I combine Apple Health with financing?
Yes. Apple Health will pay its covered portion. You can finance the remaining balance through a payment plan or third-party option. You cannot finance what the state already paid, but you can finance your patient portion. See how to do this on our Insurance & Financing page.
What about Medicare?
Traditional Medicare does not include routine dentures. Some Medicare Advantage plans include dental allowances or networks. Check the dental portion of your MA plan or ask us to review your Evidence of Coverage.
Can I buy dental insurance if I do not have an employer plan?
Yes. Adults can buy dental plans through Washington Healthplanfinder, but you enroll the dental plan with a qualified medical plan. Premium tax credits apply only to the medical plan. For a broader look at premiums and dental add-ons, see the 2025 Washington health insurance cost guide.
Get Started at btyDENTAL Lynwood
When you are ready, schedule a visit and bring your insurance or Apple Health information. We will examine, design a treatment plan, and give you clear numbers for each payment route. If you qualify for Apple Health, we will check covered benefits for dentures and any needed pre-denture extractions.
If you prefer self-pay or want implant-supported options, we will compare payment routes so you can pick the monthly amount that feels right. Start here: Insurance & Financing. btyDENTAL Lynwood is here to help you move forward with confidence. Schedule an appointment with btyDENTAL Lynwood today!
