Orthodontic Financing & Insurance
We make great smiles affordable through flexible orthodontic financing options. See how pricing, insurance, HSA/FSA, and payment plans work at Smiles by Callaway.
Your Orthodontic Financing Options at a Glance
How Pricing Works
Every smile is different. At your free consultation, we’ll review photos/X-rays if needed, outline your options, and give you a clear fee and timeline. No surprises.
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You’ll get one all-in fee for the chosen treatment
- We’ll explain orthodontic financing options that fit your budget
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We’ll estimate insurance and your out-of-pocket
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You choose how you want to pay: monthly plan or pay-in-full
Orthodontic Financing in Columbus, MS
We offer flexible monthly plans so you can start with confidence.
Low initial payment with automatic monthly drafts
Choose a term that fits your budget
No prepayment penalties
Major cards accepted
Insurance We Work With
We accept most dental insurance plans with orthodontic benefits. We’ll check your coverage, estimate your out-of-pocket, and file claims for you.
- Delta Dental
- Blue Cross Blue Shield
- MetLife
- Aetna
- Cigna
- United Concordia
- Guardian
- Humana
- GEHA
- Principal
Please Note: Plan details vary by employer. Coverage for orthodontics may include a lifetime maximum and age limits. We’ll review your benefits at the consult so you know exactly what to expect.
Using HSA & FSA for Orthodontics
Orthodontic treatment is often eligible for HSA and FSA funds.
Use your HSA/FSA card for down payment and monthly drafts
Save itemized statements for your records
Know your plan year and any “use-it-or-lose-it” deadlines
Ways to Save
Ask about available savings at your consult.
Pay-in-full discount
Family discount when multiple members start treatment
(Optional) Military/Educator/First-Responder discounts (confirm before listing)
Why Families Trust Dr. Cooper Callaway
Choosing the right orthodontist means finding someone who combines expertise with genuine care. Dr. Callaway delivers both, bringing decades of experience and advanced technology to families throughout Columbus with a warm, personal approach that puts patients first.
⭐️ 4.9-Star Healthgrades Rating with 900+ Reviews
Families consistently rate Dr. Callaway for his clear explanations, attentive listening, and trustworthy care that makes orthodontic treatment feel comfortable and stress-free.
🎓 25+ Years of Expertise – Orthodontics and dentofacial orthopedics
As a trusted pillar in the Columbus community, Dr. Callaway brings over two decades of specialized orthodontic experience to every treatment plan, ensuring optimal results for patients of all ages.
🦷 Advanced Technology – 3D imaging, iTero scans, 3M aligners
Dr. Callaway uses cutting-edge tools like iTero digital scanners and i-CAT 3D imaging, combined with the personalized attention you’d expect from your local orthodontist.
💙 Care That Feels Like Family – Friendly, local, and approachable
Dr. Callaway treats every patient like his own family member, creating a calm, supportive environment where both children and parents feel confident throughout the entire treatment process.
Financing: Frequently Asked Questions
How much do braces or clear aligners cost
It depends on your case and goals. After your exam, we’ll share options, timelines, and a clear fee so you can choose what fits your budget
Do you offer monthly payment plans
Yes. We’ll help you choose a low initial payment and a monthly plan that works for you
Do you accept my insurance
We work with most plans and will verify your benefits. We’ll estimate your out-of-pocket and file claims for you
Can I use HSA or FSA funds
In most cases, yes. Bring your HSA/FSA card and we’ll help you apply it correctly
Are there discounts available
Ask about pay-in-full and family savings at your consultation
Ready to See Your Options
Now that you understand our orthodontic financing options, it’s time to explore what works best for your situation. Get personalized pricing information or speak directly with our team to discuss your specific needs.
