Financial & Insurance
Affordable Dental Care with Flexible Payment Options
At Murphy Dental, we believe that high-quality dental care in Fort Collins should be accessible and affordable for every patient. Whether you have insurance, limited coverage, or no insurance at all, we offer flexible financial options to help you get the care you need without unnecessary stress.
Our team works closely with you to understand your benefits, explain costs clearly, and provide solutions that fit your budget.}
Dental Insurance Made Simple
We accept most major dental insurance plans and work directly with your provider to help maximize your benefits.
Our team will:
- Verify your insurance coverage
- Explain your benefits and limitations
- Submit claims on your behalf
- Provide clear estimates before treatment
Because dental plans vary widely, we take the time to review your specific policy and help you understand exactly what is covered and what your out-of-pocket costs may be.
Insurance Plans We Commonly Accept
Murphy Dental works with a wide range of insurance providers, including:
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Even if your provider is not listed, there is a strong chance we still accept your plan. Contact our office and we’ll verify your coverage for you.
Understanding Your Dental Insurance
Dental insurance helps cover preventive and restorative care, but it often includes limitations such as:
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Annual maximums
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Deductibles and co-pays
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Waiting periods for certain procedures
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Limited or no coverage for cosmetic treatments
In-Network vs Out-of-Network
Murphy Dental participates with many insurance providers, but even if we are out-of-network for your plan, you can still receive care.
- In-network: Lower out-of-pocket costs based on contracted rates
- Out-of-network: Greater flexibility in choosing your provider
Our team will help you understand the difference and determine the best option for your situation.
No Insurance? You Still Have Options
You don’t need dental insurance to receive high-quality care at Murphy Dental. We offer multiple solutions to make treatment affordable.
Many of our patients choose flexible payment options or in-house plans instead of traditional insurance.
If you’re looking to maintain oral health without insurance, explore
Murphy Dental In-House Plan
Our in-office dental plan is designed for patients without insurance and offers significant savings on preventive and restorative care.
Plan Benefits
- No annual maximums
- No deductibles or waiting periods
- Includes exams, X-rays, and cleanings
- Emergency visit coverage
- Up to 20% off additional treatments
Coverage begins immediately and lasts for 12 months, making it a simple and cost-effective alternative to traditional insurance.
For restorative treatments covered under discounted rates, see
Flexible Financing Options
We offer multiple financing solutions to help you spread out the cost of treatment into manageable monthly payments.
Cherry Financing
Cherry provides flexible payment plans with quick approval and no hard credit check. Patients can choose payment terms ranging from 3 to 60 months, with some 0% APR options available.
CareCredit
CareCredit is a healthcare credit card that allows you to pay for dental treatments over time with convenient monthly payments. It can be used for both routine and advanced procedures, even if they are not covered by insurance.
For larger procedures, you may consider options like
Sunbit Financing
Sunbit offers a fast, simple “buy now, pay later” option with high approval rates. Payment plans range from 6 to 72 months, and the application process takes just seconds with no impact on your credit score.
Payment Methods Accepted
We accept a variety of payment options to make your visit convenient:
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Cash
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Major credit cards
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Dental insurance
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Third-party financing (Cherry, CareCredit, Sunbit)
All payments are due at the time services are rendered unless prior arrangements are made.
Why Dental Costs Can Vary
Dental treatment costs depend on several factors, including:
- Type and complexity of the procedure
- Materials and technology used
- Insurance coverage and limitations
- Individual oral health needs
For example, advanced treatments like Full Mouth Reconstruction may involve multiple procedures and customized planning. We provide clear, upfront pricing and work with you to find the most cost-effective solution for your care.
Our Commitment to Transparency
At Murphy Dental, we believe in clear communication and no surprises. Before any treatment begins, we provide:
- Detailed cost estimates
- Insurance breakdowns
- Financing options
- Personalized recommendations
Our goal is to help you feel confident in both your treatment plan and your financial decisions.
Serving Fort Collins & Nearby Areas
Murphy Dental proudly provides affordable dental care to patients in Fort Collins and surrounding communities.
Visit Us
Office Hours
Monday
9:00 AM – 6:00 PM
Tuesday
8:00 AM – 5:00 PM
Wednesday
8:00 AM – 5:00 PM
Thursday
7:00 AM – 4:00 PM
Friday
Call for availability
Frequently Asked Questions
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Do you accept my dental insurance?
We accept most major insurance plans. Contact our office, and we’ll verify your coverage for you.
What if I don’t have dental insurance?
We offer financing options and an in-house dental plan to help make care affordable without insurance.
Can I finance my dental treatment?
Yes, we offer Cherry, CareCredit, and Sunbit financing options with flexible monthly payments.
What does dental insurance typically cover?
Most plans cover preventive care and part of restorative treatments, but coverage varies depending on your policy.
Will I know the cost before treatment?
Yes, we provide clear estimates and review all costs with you before any procedure begins.
Contact Us
Schedule Your Visit
Get the care you need with flexible financial options that work for you.