Fraud Blocker Principal Dentist Fort Collins - We Take Principal Insurance

Principal Dentist Fort Collins – We Take Principal Insurance

We Proudly Take Principal Insurance

Principal Financial Group Dentist in Fort Collins (North Fort Collins)

Murphy Dental is in network with All Principal Plan Dental Networks. Principal dental insurance is issued by Principal Life Insurance Company out of Des Moines, IA. Principal offers hundreds of dental insurance plans and features a very large dental network.

Principal typically has a higher maximum for patients which is the maximum amount your insurance will pay out per year towards your dental treatment using your deductible and co-insurances on dental services.
Your plan can be found by looking at the ID Number on your insurance card. Providing this information to us can help us to determine the information about your plan. This can help us to determine what procedures are covered by your insurance, and the percentage of that coverage for each type of procedure.

Principal Financial Group - Principal Plan PPO Dental Services Coverage

Most insurance companies – including Principal – divide their coverage into three broad categories of dental procedures.

Preventive Services

These services are generally routine preventative services like the things you’ll experience during your twice annual dental checkup. Preventive services therefore typically include things like x-rays, fluoride treatments, and dental cleanings.

This will be your highest percentage of coverage with a Principal dental plan as many of their dental insurance plans cover as much as 100% of preventive services.

Basic Services

Basic services are a bit more intensive than preventive services and can include emergency dental care and diagnostics as well as fillings for cavities. On a percentage basis, Principal dental plans typically cover less for basic services than for preventive services – usually around 80%.

Major Services

Major services are oftentimes associated with more significant, oftentimes restorative dental procedures. This can include many oral surgery procedures including dental implants, dental crowns and dental extractions. For these “major” services, Principal dental plans typically cover around 50% of the total cost.

Confused about what your Principal Dental Insurance Covers?

Call (970) 225-8081 With Insurance Questions.

Dental insurance can sometimes be challenging to figure out.  We know how dental insurance works and can tell you how much Principal will cover for our procedures.

Some procedures may be fully covered, others partially covered, and still other dental services will be mostly out of pocket for Principal Dental insurance holders.  Call us to get the exact answers you’re looking for regarding what is covered by your insurance.

After procedures at our office we submit your insurance claims to Principal so you don’t have to worry about dealing with the paperwork.

Don't Have Principal Dental Insurance?

If you don’t have Principal Dental Insurance or any dental insurance, there are other options to pay for your dental needs.  We feature an in house dental plan which includes our quality dental care including exams, cleaning with our dental hygienist, and covers many dental procedures.  Check out the Murphy Dental Plan here.

We also offer financing through Care Credit.  Call for details or keep reading below for more information.

Easy Payment Options

We accept most major insurance, cash, most credit cards, and offer patient financing with Cherry and CareCredit.
50% OFF

Fort Collins Location

Welcome from Dr. Murphy

About Dr. Murphy

We are excited to welcome you to Murphy Dental! Our goal is to provide excellent care and a relaxing environment for our patients. Whether you are looking for a routine checkup, cosmetic dentistry, emergency dentistry or restorative care, we can help!

We offer general dentistry, including cleanings, exams, X-rays, fillings, crowns and more. We also can provide restorative care, including endodontics, implantology and periodontics. We take pride in offering outstanding service at affordable prices.

Dr. Murphy is our Fort Collins Dentist. He is a member of the American Dental Association (ADA), the Colorado Dental Association (CDA). Our Fort Collins dental practice is consistently rated as a Top Dentist in 5280 Magazine thanks to Dr. Murphy and his skilled team of dental hygienists.

Our Reviews

We’re proud to offer you  the latest technology and most comfortable amenities:  


4.8 / 5.0

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4.8 / 5.0

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4.9 / 5.0

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In addition to our great reviews, we’re proud to have an A+ rating with the Better Business Bureau.

Current Specials & Services

New Patient Specials


Comprehensive Dental Exam

- Full Mouth X-Rays
- Panoramic X-Rays
- Comprehensive Oral Exam

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Emergency Exam

Emergency Exam (Problem-Focused) and X-Ray for Diagnosis: $50.00**

(*Fee Waived with same-day treatment)

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Multiple Whitening Options

- Zoom!® In-Office Whitening with Take-Home Trays for $450
- Zoom!® In-Office Whitening without Take-Home Trays $350
- Take-Home Trays for $250
- GlossRay Take Home Kit for $95

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CT Scan

- Lower Radiation Than X-Rays
- Better Technology Than X-Rays
- For Implants, Impacted Teeth, Surgical Procedures

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In Office Bleaching

Includes Take Home Trays

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Kids Exam

- Child Exam
- Teeth Cleaning
- X-Ray
- Fluoride

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Call for Details

Dental Implants

- Start to Finish
- Surgical Implant & Placement
- Abutment
- Porcelain Crown

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$500 Off

SureSmile Clear Aligners

- Straightens Teeth
- Fabulous Smile
- Includes Whitening

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Fluoride Treatment

- With Dental Cleaning
- Limited Time Only

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All Services

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