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

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.

Frequently Asked Questions

Dental emergencies are stressful and sometimes scary! Omaha dentist Dr. Amber Allen and her team understand this, and they leave room in their schedule to accommodate same day appointments, even if you are a new patient.

It is also helpful if you understand how to handle certain emergency situations. Here are some common dental emergencies, and what you should do until you can get to our office.

  • A knocked-out tooth: Act quickly and contact us right away in this situation as we have a better chance of restoring your tooth the quicker we can treat it. Transport your tooth carefully, either by placing it back in its socket, or using milk to keep cells alive and moist.
  • A broken tooth: Contact us right away if you have a broken tooth. Gather the pieces and transport them carefully to our office. Dr. Allen will determine the best treatment for your situation.
  • A lost or broken restoration: An old dental restoration that breaks or falls out will need treatment right away in order to prevent further damage, even if it doesn't hurt. Contact our office for further instructions.
  • Dental pain: Often indicating an infection, dental pain should never be ignored. Don't wait for it to go away on its own because a dental infection can spread. Root canal therapy may be necessary to preserve your tooth, so contact our office right away.
     

If you have dental insurance, we are happy to contact your insurance carrier and try to get a detailed breakdown of your policy. This will allow us to present you with an accurate treatment plan estimate while maximizing your benefits as best we can. Rest assured that we will use your insurance benefits to the fullest extent so that your out-of-pocket costs are minimal.

As a service to our patients, we will also file all insurance claims to your carrier with supportive documentation to get them paid faster. Estimates are not guaranteed, but we will always be upfront and honest about potential concerns so that you can plan for possible expenses. We offer convenient payment plans and military and pre-payment discounts to help patients defray their out-of-pocket expense, as we never want finances to deter our patients from receiving the dental care they need.

If you have questions about your dental insurance, call us today to learn more about maximizing your benefits, while fitting the dental treatment you need comfortably into your budget. We are happy to help!

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