McCullum Orthodontics - Opening Early December 2025!

State-of-the-art orthodontic care is coming to Jeffersonville. Now scheduling appointments!

Insurance

Affordable orthodontics with expert insurance help and flexible payments for your perfect smile
Smiling young man waiting for dental exam

How Orthodontic Insurance Works

Orthodontic insurance coverage differs from general dental benefits in several key ways. While regular dental benefits typically reset annually, orthodontic coverage usually provides a lifetime maximum benefit that applies to the entire course of treatment.

Most orthodontic insurance plans cover a percentage of treatment costs up to a specified maximum amount. This coverage typically ranges from 25% to 50% of the total treatment fee, with lifetime maximums commonly between $1,000 and $3,000. Our team will help you understand your specific coverage details before beginning treatment.

Insurance Verification and Benefits

Our office will verify your insurance benefits before your initial consultation. This allows us to provide you with accurate information about your coverage during your first visit. We’ll explain:

  • Your estimated orthodontic coverage percentage
  • Your lifetime maximum benefit
  • Any deductibles that may apply
  • How benefits will be distributed throughout treatment
  • Any waiting periods or age limitations that may affect coverage

This thorough verification process helps eliminate surprises and allows you to make informed decisions about your orthodontic care.

Portrait of happy female patient satisfied after dental treatment in a dentist office, looking at camera. Healthcare dental treatment

Insurance Assistance & Flexible Financing Options

We offer comprehensive support and payment solutions tailored to your financial needs:
Thorough Insurance Verification

We verify and explain your orthodontic insurance coverage before treatment, so you know exactly what’s included.

Benefit Coordination for Dual Coverage

Maximize your insurance benefits by coordinating multiple plans to reduce your total costs.

Flexible Payment Plans and Discounts

For remaining balances, choose from no-interest payment plans, third-party financing, and family discounts to fit your budget.

Ready for a Healthier Smile?

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 Insurance

How is orthodontic insurance different from regular dental insurance?

Orthodontic insurance usually offers a lifetime maximum benefit that applies to the entire treatment, whereas general dental benefits reset annually. Coverage typically ranges from 25% to 50% of costs with limits between $1,000 and $3,000.

What insurance companies is McCullum Orthodontics in network with?

These are the insurance companies Dr. McCullum is in network with: Aetna, DNOA (Blue Cross/ Blue Shield), Cigna, Delta Dental, Guardian, Humana, MetLife, Principal, GEHA, United Concordia, United Healthcare. We will work with other insurance companies as well for your convenience.

Can I use my FSA or HSA to pay for orthodontic care?

Yes. These tax-advantaged accounts let you use pre-tax dollars for qualified medical expenses like orthodontics. We provide all necessary documentation to help with your reimbursement.

Does McCullum Orthodontics handle all insurance paperwork?

Absolutely. We submit claims, manage ongoing communication with insurers, resolve any issues, and ensure payments are processed smoothly so you can focus on your treatment.

Our Location

McCullum Orthodontics is conveniently located in Jeffersonville, Indiana, serving patients throughout southern Indiana and the greater Louisville area.