Frequently Asked Questions

Harbor Dental provides preventive, family, cosmetic, restorative, and emergency dental care in Fort Collins, CO — including cleanings, exams, fillings, crowns, dental implants, teeth whitening, veneers, Invisalign®, dentures, and emergency dental care.

Yes. Harbor Dental welcomes new patients and families in Fort Collins and nearby communities.

Yes. Harbor Dental provides family-friendly dental care for children, teens, adults, and seniors.

Harbor Dental is located in Fort Collins, CO.

Call or text Harbor Dental at (970) 377-2456, or use the Book Appointment button on our website.

Most patients should visit every six months for a cleaning and exam. Some patients may need more frequent visits depending on gum health, dental history, or treatment needs.

Cleanings help remove plaque and tartar buildup, support gum health, and allow the dentist to check for early signs of cavities, gum disease, and other concerns.

Not always. X-ray frequency depends on your age, dental history, symptoms, cavity risk, and current oral-health needs.

Yes. Oral cancer screenings may be included as part of preventive dental care to help detect concerns early.

A custom dental appliance designed to protect teeth from grinding or clenching during sleep.

Please bring a photo ID, insurance information if applicable, a list of current medications, and any questions or concerns you’d like to discuss with the team.

Your first visit may include a review of your dental history, a comprehensive exam, X-rays if needed, and a conversation about your oral health goals and treatment options.

Yes. Harbor Dental values clear communication and takes time to explain treatment options so you can feel confident before moving forward.

Yes. Harbor Dental is focused on comfort, clear explanations, and a calm patient experience — the team works to help you feel heard, supported, and at ease.

Yes. Harbor Dental accepts most dental insurance plans and is in-network with a wide range of providers, including many local employers in Fort Collins.

Network participation depends on the insurance company and plan. Our team can help verify available information before your visit.

Not always. Most plans include deductibles, coinsurance, annual maximums, and exclusions, so your out-of-pocket cost will depend on your specific policy.

Not always. Most plans include deductibles, coinsurance, annual maximums, and exclusions, so your out-of-pocket cost will depend on your specific policy.

We can provide an estimate based on the information available, but your insurer determines final payment after processing the claim.

Some plans include orthodontic benefits that may apply to Invisalign®, and some policies provide partial implant benefits — though coverage varies and others exclude these treatments entirely.

Yes. Harbor Dental offers financing options and works with CareCredit to help make dental care more manageable.

Yes. Harbor Dental’s in-house discount plans are not insurance — there are no claim forms, deductibles, waiting periods, or annual maximums. They’re designed for patients without traditional dental insurance and offer savings on eligible treatment starting immediately after enrollment.

Harbor Dental offers three options: a Classic plan with a 30% discount on eligible services, a Preventative plan that includes routine cleanings and exams, and a Periodontal Care plan for patients who need ongoing gum-health maintenance. Plans are priced per year and enrollment lasts 12 consecutive months.

No. In-house discount plans can’t be combined with insurance benefits or other promotions.

Yes. Harbor Dental offers a 10% discount to patients age 65 and older and to qualifying cash-pay patients, when not combined with another promotion or plan.

Bring your insurance card, member ID, group number, subscriber information, and employer name if applicable, so our team can verify your benefits before treatment.