Insurance and Dental Payment Plans

Lincoln Dental Clinics: Dental Discount Plans and More

If finances are tight, chances are a dentist in Lincoln, NE isn’t even on your radar. Many dentists are not very compassionate towards this situation. However, we know how tough it can be to care about oral health when your wallet is wrapped up elsewhere. So, instead of complaining, we wanted to do something about it. Through our dental discount plans, convenient payment options, and other unique surprises, we’ve made good oral health accessible to everyone with a dentist in Lincoln, NE.

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Dental Insurance: The Options

Many have trouble finding a dentist in Lincoln, NE because their insurance isn’t accepted. Fortunately, we accept many major insurance companies that other dental clinics in Lincoln, NE do not. Below are the most common insurance companies we submit claims to.

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When you see a dentist near me in Lincoln, NE at Preserve Family Dentistry, we’re also glad to submit your claims for you, for your convenience. When you have an appointment with us, we’ll give your insurance company a call and get an estimate for your treatment. However, it’s essential that you have accurate information regarding your insurance plan.

Insurance companies will often provide incomplete information, which will make your estimate inaccurate. Be sure to call them on your own to become familiar with the limitations of your plan.

Unfortunately, dental insurance isn’t the same as health insurance. Dental insurance rarely ever covers all of your necessary treatment. That’s why it’s important to be familiar with what your specific plan does or doesn’t cover. And when you’re ready, this will make finding and seeing a dentist in Lincoln, NE much easier.

The Downside to Dental Insurance

While dental insurance can be a great thing, it’s not perfect either. In fact, dental insurance isn’t always going to give you a great deal on dental care. Out-of-pocket expenses are a necessary factor, and many fees aren’t covered at all by insurance. The percentage you pay for your treatments will vary depending on your specific plan. Most insurance plans pay about 50% of total treatments. It obviously depends significantly on the kind of treatment. Our estimates will usually give you an idea of what you’ll owe. But it’s important to remember: an estimate from our dentist in Lincoln, NE is only as much information as the insurance company gives us. It’s highly possible for this estimate to be incorrect.

Be sure not to base your oral health on what your insurance will cover. This is a dangerous trap that can ultimately lead to more extensive and costly dental treatment in the future. For that reason, we want to ensure that you’re getting the most out of your insurance plan. Our team members are glad to try to help with insurance questions. However, a proven solution by far, is to do your homework. Call your insurance company, and ask all the questions you can think of.

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Important Things to Consider with Dental Plans


Each year, there is a certain dollar amount that your insurance company will be willing to pay for treatment. This is called the annual maximum. Sometimes your treatment costs will go beyond the annual maximum. Other times, it may not even come close. If you want to get the most out of your dental coverage, know your annual maximum and use as much of it as you possibly can. Then the money you or your employer pays each month for dental insurance won’t go to waste.


Patients all have unique and specific needs. You may need a specific treatment multiple times in a given year. Insurance plans often specify a certain amount of these treatments per year as covered. For example, you may need scaling and root planing 4 times each year. However, it’s likely that your insurance plan will have a clause like, “Coverage for scaling and root planing twice each year.” That means they’ll pay for two sessions of this treatment, and you’ll have to pay the other two out of pocket.

Least Expensive Alternative Treatments

Some dental insurance plans have a least expensive alternative treatment (LEAT). In many cases with dental care, you’ll be offered more than one treatment option. Each treatment option will have its own costs, benefits, drawbacks, and lifespans. Certain treatments may last longer and be the “right option,” but if they cost more, your insurance company may not cover them. Instead, they’ll pay whatever the cheapest option for treatment is, and no more.

Pre-Existing Conditions

Dental plans don’t usually cover any pre-existing conditions. You won’t gain any benefits from something that was already wrong before you started your insurance plan. While you’ll still need treatment for that condition, your insurance company will likely pass the cost off to you. Again, ask your insurance company about each of these conditions for your insurance plan. This will allow you to manage your insurance effectively. Further, you’ll be able to get them to pay for as much treatment as possible, so you won’t be throwing money away. And if you’re unconvinced by the façade of dental insurance, read on to learn more about payment plans, dental discount plans, and other helpful tips.

Dental Discount Plans at Lincoln Dental Clinics: The Basics

For many without insurance, dental discount plans are an excellent way to pay for treatments. Dental discount plans usually have one big, yearly fee. This fee will help cover a variety of treatments and routine appointments to varying degrees. They usually include a handful of free offers alongside their discounted treatments. They will sometimes also negate any copays and other fees. Should you have more questions, contact a dentist in Lincoln, NE at Preserve Family Dentistry.

Check out the “Overall Inflammation and Oral Health” Video

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Nebraska Family Dentistry has Lincoln Dental clinics in all parts of Lincoln. Choose a “near me dentist” location that is convenient for you.