Harlow Dental Family & Cosmetic Dentistry
A Great Dentist

Financial Info

At Harlow Dental at Steele Creek, we know that finances play a big role in the decisions you make about your dental care. Even if you have dental insurance coverage, it can be challenging to fully understand your benefits or to know when to schedule your dental treatments. Our goal is to make sure every single one of our dental patients receives the dental care they need regardless of their financial situation. 

Our Charlotte, NC dental offices accept several different types of dental insurance. In addition, we offer a handful of different payment plans and options to our patients. 

Questions about the best way for you to pay for your dental treatment? Give our dental team a call, and one of us would be happy to speak with you!

Pay Online - Harlow Dental at Steel Creek

Pay Online - Harlow Dental in Uptown Charlotte


We work with the following health insurance companies: Aetna, Ameritas, Assurant, Blue Cross/Blue Shield, Careington, Cigna, Delta Dental Premier, Delta USA, Dental Health Alliance Partners, DenteMax, Guardian Dental Guard, GEHA/Connection Dental, Humana, Metlife, Principal, Reliance, State Medicaid, TriCare, United Concordia, and United Healthcare. 

Make sure you bring your insurance card with you to your appointment. We will work with you to make sure you are receiving your maximum insurance benefits under your coverage!

Third-Party Financing

One of the most popular dental financing options available is through CareCredit. Dr. Harlow accepts CareCredit at our Charlotte, NC dental offices to make it easier for you to pay for your dental treatment in monthly installments. Applying for CareCredit is simple, and our dental team is always happy to assist you if you have questions about the application. 

In-House Savings Plan

For $350 per year, you will get two examinations and cleanings, one full set of digital x-rays, and a 20-30% discount on other minor or major services. Unlike with insurance, there is no waiting—and there is no maximum limit!

Other Payment Options

Our Charlotte, NC dental offices accept all standard forms of payment including cash, checks, debit cards, and credit cards. 



  • $450 in-house dental plan for patients with no insurance

    Plan includes 2 free cleanings during subscription year with free full mouth x-rays, and 3 free exams (altogether a $600 value for only $350!)

    Even more - 30% off any periodontal services, 20% off any needed restorative dental treatment like veneers, implants, crowns and fillings.

  • Invisalign with Monthly Payment Plans

Frequently Asked Questions

At Harlow Dental, we recognize the importance of offering the latest dental technology at our office to help our patients feel comfortable and at ease. Our modern Charlotte dental offices on 7th Street and at Steele Creek include digital imaging, intraoral cameras, and rotary endodontics. We are also pleased to operate practically paperless dental offices!

Remember how uncomfortable x-rays could be when you bit on a piece of plastic and waited for the machine to take a picture? Our digital radiography speeds up the process and gives off less radiation than traditional dental x-rays. The resulting pictures are also more detailed and precise than traditional x-rays, and we can easily email them to insurance companies, outside specialists, or patients as needed. 

For your comfort, we have televisions in all our treatment rooms. You can choose from DirectTV, Netflix, or Amazon Prime while waiting or during your procedure.

You can catch up on your favorite shows on your break away from work or school and even explore new movies you haven't seen yet. We genuinely believe that visiting the dentist should be enjoyable, so we offer this small “creature comfort” to help you relax while in our dental chair.

sedation dentistry in charlotte nc Comfortable Dentistry at Harlow Dental 

We understand that many people have some form of fear or anxiety when thinking about dental treatment. At Harlow Dental, we pride ourselves on making our procedures comfortable and pain-free. Ask Dr. Harlow about nitrous oxide gas (laughing gas) and anti-anxiety oral pills that help create a relaxed environment so Dr. Harlow can treat your dental needs. Depending on your medical history, if you've had bad experiences that make you nervous at the dentist, oral sedation dentistry may be right for you! 

Are these methods safe?

Both of these methods of sedation are perfectly safe. Nitrous oxide is breathed in through a mask, much like oxygen. Its effects are felt immediately, putting you in a relaxed, almost euphoric state throughout your treatment. Once the mask is pulled off, the effects of the nitrous leave your system very quickly. You will feel completely normal in just a few moments, and you are fine to drive yourself back home or to work.

If you opt for oral sedation, we will give you a prescription for a pill to take an hour or two before your appointment. By the time you get into the dental chair, you will be relaxed and much less anxious. Because this type of medication lingers in your system, you will need to arrange a ride to and from your appointment.



girl before children's dental exam in uptown charlotte nc We Offer Dental Services for the Entire Family!

Yes, we do.

At Harlow Dental at Steele Creek, we love kids! We will treat most children (depending on their behavior) at their first dental visit. We look forward to treating your entire family for many years to come, from the youngest member to the most mature.

We encourage you to bring your child to the dentist as early as age one to evaluate baby tooth eruption patterns and discuss pediatric oral health tips. As children get older, we can teach them proper brushing and flossing techniques.

Visiting the dentist at an early age also helps children get accustomed to sitting in the dental chair. Kids who start going to the dentist early in life also tend to have less fear of the dentist as they grow into adults.

We believe that treating children early and getting them started on the path to a lifetime of good oral health is critical for a lifetime of good oral health.

Regular childhood preventive care also helps kids avoid a number of all-too-common dental problems. For instance, we offer dental sealants for kids, a painless and noninvasive process we recommend around the time a child’s six-year molars erupt. Dental sealants help prevent decay-causing bacteria from forming on the back teeth. We also offer fluoride treatment for children as well as adults. Give us a call today to book a cleaning!


image of dental x-rays in uptown charlotte ncMany patients wonder if dental x-rays are safe and necessary, and the answer to both questions is yes. At Harlow Dental at Steele Creek, we utilize digital x-rays because they expose our patients to 80 percent less radiation than traditional film x-rays taken in the past. They are also immediately available so that Dr. Harlow can make the earliest possible diagnosis resulting in less invasive procedures. 

Our Dental X-Ray Recommendation

Bite-wing x-rays are recommended once per year. This gives us a baseline and a good look at what's going on internally with your teeth. Generally, four to six x-rays will show changes between your teeth and two exams per year with Dr. Harlow will ensure you are at optimal oral health. Every three to five years, a full mouth series of 18 x-rays are taken to maintain a full updated record of your mouth.

Digital x-rays are not just safer for our patients, they are also less harmful to the environment since they require no chemicals for development. They are also easy to transfer and share with other providers who may be involved with your healthcare. 

Contact Our Charlotte Dentist to Book Your Dental X-Rays

If you have questions about dental x-rays or other treatment recommended for you, contact our Charlotte, NC dental office today for more information.

Toothbrush with toothpaste | top dentist 28273Harlow Dental at Steele Creek prides itself on being a dental office for all people. We don’t want finances to prevent you from receiving the dental treatment you need.

Our team will do its best to ensure you have an accurate estimate of treatment costs so you know exactly what to expect. We will also thoroughly explain your treatment options, recommending the most cost-effective procedure for your situation.

If you don’t have a dental insurance plan, there are a number of payment options available. We accept the usual forms of payment, including cash, check, credit card, and debit card.

We are also pleased to accept CareCredit.

CareCredit makes it easy to finance your treatment so you can make an affordable payment each month. It’s easy to apply, and we are happy to help you in any way we can.

No insurance? No Problem!

For our uninsured patients, we offer an in-office savings plan. For a fee of $250 per year, you will receive two cleanings and examinations, as well as one set of x-rays each year. This plan also provides a discount on minor or major procedures with no annual maximum or waiting periods, which you often find with traditional insurance plans.

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