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Waters Family Dentistry

Financial Info

Dr. Waters is proud to be part of a team whose primary mission is to deliver the finest and most comprehensive health care available today. In addition, we are also dedicated to making top-quality care as cost-effective as possible. To assist you with your healthcare investment, we provide the payment options as described below.

Please call Waters Family Dentistry at (308) 382-1734 for an appointment. At your dental visit, our team will do our best to answer any questions you may have about financing your dental health needs and utilizing your dental insurance benefits.


We happy to help you maximize any insurance benefits that may reduce your out-of-pocket expense for dental treatment! We process your claim electronically the same day of your dental visit.

Waters Family Dentistry is an in-network dental provider for the following dental insurance companies:

Aetna (through the Guardian network)
Blue Cross Blue Shield
Liberty (through the Guardian network)
Standard (through the Ameritas network)
Principal(through the Ameritas network)

Here are many of the insurance plans we have worked with in the past; however, we submit to all insurance companies. Please call our office and we would be happy to provide a complimentary benefits check.

Benefit Administrative Systems (BAS)
Best Life and Health Insurance Corporation
Blue Cross Blue Shield
Careington Benefit Solutions
Companion Life
Cypress Benefit Administrators
First Concord Benefits
Liberty Dental Plan
Lincoln Financial
Lincoln National Life Insurance Company
Meritain Health
Midlands Choice
Mid-American Benefits
Mutual of Omaha
National General Dental
Physicians Mutual
Reliance Standard
Regional Care
Sun Life
Team Care
United Concordia
United Health Care


We offer CareCredit financing as a separate line of credit to cover you and your family members' healthcare needs. You enjoy these benefits:

  • Start dental care immediately with low minimum monthly payments
  • Pay for copayments, deductibles, and treatment not covered by insurance
  • Reserve existing credit cards for household or unplanned expenses
  • Flexible financing options
  • Credit decisions usually only take a few minutes
  • No annual fees or prepayment penalties
  • Up to 12 months interest-free financing

You can get pre-approved for CareCredit financing by going to and completing an application. Your approval is determined within minutes. If you prefer, we can also process your application in our office.  

Dental Treatment 50/50 Plan

When a patient elects a procedure with multiple appointments, we will gladly divide the payment to reflect 50 percent at the initial visit and 50 percent at the time of the final appointment. Payment may be made by cash, check or credit card. 

Other Payment Options

We accept cash, money orders, and personal checks. This option includes a 5 percent discount when paid on the day of service. We also accept Visa, MasterCard, and Discover and offer credit card chip processing for your protection.  

If you have difficulty using our website, please email us or call us at (308) 382-1734
View the ADA Accessibility Statement