Financing
Insurance and Orthodontic Coverage
Investing in your smile is a powerful step — and we’re here to help make that journey feel comfortable and achievable. At McCullum Orthodontics, we offer a variety of flexible payment options to help make high-quality orthodontic care more accessible for families throughout Jeffersonville and southern Indiana.
Our team will take the time to walk you through your options and help create a payment plan that fits your needs — without pressure or surprises.
Many dental insurance plans include orthodontic benefits that can significantly reduce your out-of-pocket expenses. Our team is experienced with a wide range of insurance providers and will help you understand and maximize your orthodontic benefits. We’ll provide a clear summary of your coverage and any expected out-of-pocket costs before treatment begins — so you can plan with confidence.
Does Indiana Medicaid Cover Braces?
Yes — McCullum Orthodontics now accepts Indiana Medicaid for qualifying orthodontic patients. If you've been wondering whether Medicaid covers braces in Indiana, the answer depends on medical necessity. Children who meet Indiana Medicaid's orthodontic medical necessity criteria may have braces covered at little or no cost to your family.
We accept all four Indiana Medicaid programs:
- Hoosier Healthwise — for children and pregnant women
- Healthy Indiana Plan (HIP) — for qualifying adults
- Hoosier Care Connect — for members with complex medical needs
- Traditional Medicaid — for SSI recipients and other qualifying members
Orthodontic coverage under Indiana Medicaid is typically available for children under 21 who meet medical necessity criteria determined by an orthodontic evaluation. Our team will walk you through the eligibility process and handle the paperwork — so getting started is simple.
Not sure if your child qualifies? Contact us to check eligibility — we're happy to verify your Medicaid benefits before your first visit.
Flexible Payment Plans
We offer a variety of customized payment plans to help distribute the cost of treatment over time. These may include:
- Low down payment to get started
- Monthly payments over your treatment period
- Extended financing beyond treatment time
- Convenient automatic payments
- Family plans for multiple patients
After your consultation, our treatment coordinator will work with you to create a personalized payment plan that aligns with your financial needs and treatment timeline.
Flexible Payment Options
Many patients use HSA or FSA funds to pay for orthodontic treatment, enjoying valuable tax advantages. We’re happy to provide documentation to make reimbursement simple and straightforward.
We partner with healthcare financing providers who may offer extended terms, interest options based on your credit profile, and fast online approval processes.
We’re honored to care for multiple family members and offer special savings when more than one person is in treatment. A courtesy discount is also available for patients who pay in full at the start of treatment.
We commonly collaborate with other healthcare professionals to offer specialized care for complex dental cases and are committed to providing the best for your patients.
Frequently Asked Questions About Orthodontic Financing
How do you make orthodontic treatment affordable?
We offer a range of flexible financing options, including no-interest in-house plans, extended payment schedules, third-party financing, and family discounts to fit various budgets.
Can I use my insurance or savings accounts to pay?
Yes! We help you maximize your dental insurance benefits and accept payments through Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). We also provide documentation to assist with reimbursements.
What if my financial situation changes during treatment?
We maintain open communication and are willing to discuss adjustments to your payment plans if needed to support you throughout your orthodontic journey.
How is the total cost of treatment determined?
Treatment cost varies depending on factors like treatment type, complexity, duration, specialized appliances, and insurance coverage. A detailed cost estimate is provided after your complimentary consultation.
Our Location
McCullum Orthodontics is conveniently located in Jeffersonville, Indiana, serving patients throughout southern Indiana and the greater Louisville area.
