In-House Dental Plans In Fort Collins
No Insurance? A Simpler Way to Save on Dental Care.
Harbor Dental’s in-office discount plans help patients without dental insurance receive preventive care and save on eligible treatment. Choose a plan based on your dental needs, with no deductibles, waiting periods, annual maximums, or insurance claims.
How the Discount Plans Work
Dental Savings Without the Insurance Complexity
Harbor Dental’s discount plans are designed for patients who don’t have dental insurance and want more predictable access to care.
Immediate Savings
Eligible discounts begin during your active enrollment period — no insurance-style waiting period.
No Insurance Claims
No claim forms, deductibles, annual maximums, or missing-tooth clauses.
Local Dental Care
Benefits are available exclusively through Harbor Dental at our Fort Collins office.
These plans are not dental insurance and cannot be combined with an insurance policy, another discount plan, or other promotions.
Compare Our In-House Plans
Three Simple Options for Individuals and Families
Plan A
Classic Care
$120 Individual · $195 Family
A straightforward discount option for patients who want savings on eligible Harbor Dental services.
Plan includes:
- 30% off eligible in-office services
- Individual or family enrollment options
- No included preventive services
Plan B
Preventative Care
$405 Per Individual, Per Year
Designed for patients with generally healthy gums who need routine preventive dental care.
Plan includes:
- Two prophylaxis cleanings per year
- Oral cancer screening with cleanings
- Two dental exams per year
- Four bitewing radiographs
- Three periapical radiographs once per year
- Optional fluoride treatment discounted to $35
- 30% off other eligible in-office procedures and additional exams
Plan C
Periodontal Care
$635 Per Individual, Per Year
Designed for patients diagnosed with periodontal disease who require ongoing maintenance care.
Plan includes:
- Three periodontal maintenance cleanings per year
- Oral cancer screening with cleanings
- Two dental exams per year
- Up to seven bitewing radiographs
- Three periapical radiographs once per year
- Optional fluoride treatment discounted to $35
- 30% off other eligible in-office procedures and additional exams
- 30% off a fourth periodontal maintenance cleaning when clinically needed
Which Plan Is Right for You?
Find the Right Level of Dental Support
Choose Classic If You:
Want a basic discount on eligible treatment, don’t need preventive services bundled in, and want an individual or family enrollment option.
Choose Preventative If You:
Have generally healthy gums, receive routine dental cleanings, and want exams and diagnostic imaging included.
Choose Periodontal Care If You:
Have been diagnosed with periodontal disease, need periodontal maintenance rather than routine cleanings, and benefit from more frequent gum-care visits.
Your dentist and hygienist can help determine whether routine preventive care or periodontal maintenance is appropriate for you.
What Is Included in the 30% Discount?
Use Your Plan Across Many Dental Services
The 30% discount may apply to eligible in-office services, including dental fillings, crowns and restorative treatment, root canal treatment, tooth extractions, periodontal care, additional exams, and other qualifying procedures.
Important exclusions — the 30% discount does not apply to Invisalign® treatment, night guards, Botox® or injectable treatments, services included in another promotion, or other specifically excluded procedures.
Ask Harbor Dental to confirm whether a planned procedure qualifies before treatment begins.
Additional Self-Pay Discounts
Not Ready to Enroll? Other Discounts May Be Available.
Harbor Dental offers a 10% discount to senior patients age 65 and older and qualifying cash-pay patients. These discounts cannot be combined with other promotions, insurance benefits, or in-house plan discounts.
Important Plan Terms
Understand How Your Plan Works
- The plan is not dental insurance
- Benefits remain active for 12 consecutive months
- Plans cannot be combined with dental insurance
- Discounts cannot be combined with other promotions
- Membership fees are nonrefundable
- Benefits cannot be transferred to another person
- Unused services are not refundable
- The plan can only be used at Harbor Dental
- All balances are due at the time of service
- The plan does not apply when another party is responsible for payment
Third-party billing exclusions may include: motor-vehicle accidents, workplace injuries, workers’ compensation claims, disability claims, legal claims, and other situations involving outside-party billing.
In-House Plans vs. Dental Insurance
A Discount Plan Is Not an Insurance Policy
Harbor Dental Discount Plan
No insurance claims, no deductible, no waiting period, no annual maximum. Available only at Harbor Dental, with immediate access to listed benefits — but can’t be combined with insurance.
Traditional Dental Insurance
Coverage determined by the insurer, which may include deductibles, waiting periods, and an annual maximum. Network restrictions may apply, and claims or benefit approvals may be required.
The right option depends on your dental needs, expected treatment, budget, and access to employer-sponsored insurance.
What to Expect When You Enroll
Start Saving in Four Easy Steps
All payments for dental services are due at the time care is provided.
Frequently Asked Questions
Questions Before You Sail In?
Is this dental insurance?
No. Harbor Dental’s in-house plans are discount programs and are not insurance policies.
How long does enrollment last, and is there a waiting period?
Each benefit period lasts for 12 consecutive months from the enrollment date, with no insurance-style waiting period on plan benefits.
Can I combine this plan with insurance or another promotion?
No. The plan can’t be combined with an insurance policy, and plan discounts can’t be combined with other discounts or promotions.
Does the Classic Plan include cleanings?
No. The Classic Plan provides a discount on eligible services but doesn’t include preventive appointments.
What's the difference between the Preventative and Periodontal Care plans?
The Preventative Plan includes routine prophylaxis cleanings, while the Periodontal Care Plan includes periodontal maintenance for patients diagnosed with gum disease.
What's excluded from the 30% discount?
Invisalign® treatment, night guards, and Botox® or injectable treatments are all excluded from the discount.
Are unused services refundable?
No. Refunds aren’t provided for included services that go unused during the enrollment period.
Can I transfer my plan or use it at another office?
No. Enrollment and benefits can’t be transferred to another person, and the plan only applies at Harbor Dental in Fort Collins.
Does Harbor Dental offer a senior discount?
Yes. Patients age 65 and older may qualify for a 10% discount when it’s not combined with another promotion or plan.
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Choose a Plan That Supports Your Smile and Your Budget
Whether you want basic treatment savings, routine preventive care, or ongoing periodontal maintenance, Harbor Dental can help you select the right in-house plan.