With the increased number of dental insurance, prepayment, and reimbursement programs, it is difficult to have a complete and accurate knowledge of all available programs. For example, some companies have dental benefits, but no orthodontic coverage while others have age limits or different rates of coverage for orthodontic treatment. Still, others have deductibles and may cover only a percentage of the fee up to a maximum amount. We have also encountered plans that have yearly maximums that encourage patients to extend or delay treatment to obtain certain benefits. This last example may not only be unfair to the patient but can affect treatment results.