Payment Options

Flexible financing and expert insurance support to make your perfect smile affordable and stress-free. Start Your Treatment Today – With 0% In-House Financing Available!
Senior woman patient with professional dentist team at dental surgery

Personalized Payment Plans

Investing in your smile is an important decision—and we’re here to help make it feel manageable. At McCullum Orthodontics, we offer a wide range of flexible payment options, including 0% interest in-house financing designed to support families throughout Jeffersonville and southern Indiana. Our goal is to help make high-quality care feel more accessible, without added financial stress.

We understand that every family’s financial situation is unique. That’s why we create customized payment plans tailored to your treatment needs and budget goals. Options may include:

  • Low down payment to start treatment
  • Monthly payment plans throughout treatment
  • Extended payments beyond treatment completion
  • Automatic payments via credit card or bank account
  • Multi-patient family plans for added savings

Convenient Payment Methods

To make managing your payments simple and convenient, we accept:

  • All major credit cards (Visa, MasterCard, American Express, Discover)
  • Personal checks and cash
  • Electronic bank transfers
  • HSA and FSA cards for tax-advantaged savings
cheerful young woman shaking hands with dentist after teeth checkup

Discounts and Special Offers

We’re happy to offer a few ways to help you save:
Payment in Full Discount

A courtesy discount is available for patients who choose to pay in full at the start of treatment.

Family Discount

Families who have multiple members in treatment may qualify for a special discount on additional treatment plans.

Transfer Patients

If you're moving from another orthodontist, we’ll work with you to apply credit for payments you’ve already made and make your transition smooth.

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

Does McCullum Orthodontics offer $0 down payment plans for braces?

Yes. We understand that the cost of orthodontic treatment is a major consideration for families. McCullum Orthodontics offers flexible payment plans that can start with little to no down payment. We work with each patient individually to create a payment schedule that fits their budget, so cost doesn't have to stand in the way of a healthy smile.

What monthly payment options are available for braces and Invisalign?

We offer interest-free, in-house payment plans that spread the cost of treatment over manageable monthly installments. Your monthly payment is calculated based on your total treatment cost, any insurance benefits, and your preferred payment timeline. Most patients pay between $150 and $300 per month, depending on their plan.

Do I need good credit to qualify for a payment plan?

Our in-house payment plans are designed to be accessible. We don't require a credit check for our standard financing. We want to make orthodontic treatment available to everyone, so we'll work with you to find a plan that works regardless of your credit situation.

Can I combine insurance benefits with a payment plan?

Absolutely. Our team will verify your insurance benefits and apply them to your treatment cost first. Any remaining balance can then be set up on one of our flexible payment plans. This combination often makes treatment much more affordable than patients expect.

Our Location

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