Amber M Allen, DDS
Creating Beautiful Smiles in Omaha, NE

Financial Info

It is unfortunate that money can be a determining factor in one’s health. For most patients, money does play a significant role  in their health care and dental decisions.

Omaha dentist Dr. Amber Allen understands that the cost of dental treatment is not inexpensive. However, delaying dental treatment can be much more costly – not only financially but physically as well. If you have questions or concerns about the cost of your treatment, please contact our office to learn more about your options.

Convenient Payment Options

Dr. Allen offers several 0% interest payment plan options. Please contact our office so that we can answer any questions you may have about this service. We also accept MasterCard, Visa, Discover, American Express, Health Savings Account funds (HSAs), and offer cash pre-payment and military discounts.

If you have no dental insurance or insurance that will not pay the entire amount of treatment, then you have the option to prepay with cash or check and receive a 5% discount off any dental treatment. (This cannot be used in conjunction with the military discount.)


For patients who would like to break up the cost of their treatment into convenient and affordable monthly payments, CareCredit might be a good solution.

CareCredit is easy to apply for online at home, or we can help you apply at our office. You will receive a decision from them right away so you'll be able to move forward with your treatment plan in a timely manner.

Please contact our office for more information about CareCredit or help with your application.

Military Discounts

Dr. Allen is happy to extend to any active military persons and their immediate family a 5% discount.

Having her own family members in the armed forces has helped Dr. Allen to fully realize that there is no thank you worthy enough for the service men and women who put their life in harm’s way.

Dental Insurance

Here's a startling fact about dental insurance:

  • 1960's average yearly maximum - $1,000
  • 2008’s average yearly maximum - $1,000

With adjustments for cost of living and inflation, the dental maximums should now be around $4,500.

What this means to the patient is that although it is beneficial to have dental insurance, it is likely that it will not cover 100% of all treatment fees.

The Usual, Customary, and Reasonable (UCR) Myth: It has been the experience of many dentists that oftentimes insurance companies tell their customers (you, the patient) that certain fees an office may be charging are above the “usual, customary, and reasonable" or UCR, rather than tell them – more accurately – that the insurance benefits are too low. UCR is not determined by what typical dental offices commonly charge. No survey is conducted by the insurance carrier to determine the actual fees that dentists in a particular area charge.

UCR is determined by how much your employer has invested for that particular plan. The less your company (or you) has paid for your plan, the lower the amount you will receive in benefits. We are not involved with the insurance company in any way. Each insurance company will make payment according to a UCR fee schedule that has been determined by their standards.

Dental insurance can often be confusing, and we're happy to answer your questions and help you understand how to make the most of your dental benefits. Give us a call for more information.

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