Your insurance company will reimburse you in their customary way. Every insurance company is different in how and what percentage they pay depending on the plan you have. For example, most insurance companies will cover 50% of the fee up to a lifetime maximum. The most common lifetime maximum is $1000 (less than one-forth of the average full case fee). A typical reimbursement scheme would be to pay 50% of your initial payment, followed by 50% of your monthly payment until the maximum is reached. You would expect to receive the full $1000 only if the fee for treatment exceeded $2000. Most companies pay monthly, rarely do they ever pay the full amount at the beginning of treatment. Even if your account is paid in full at the beginning of treatment, many will only reimburse you on their set schedule. If your insurance status changes, for example if you change jobs, your orthodontic benefits may stop at that point regardless of what you have paid. The bottom line is that orthodontic benefits are among the lowest (percentage) reimbursement in all of healthcare since it is deemed “elective”. In fact, many families that have “dental insurance” do not have orthodontic benefits. The last thing we want is an unhappy parent when they find out that their reimbursements don’t match their expectations after treatment has begun.