Our 2nd daughter is to start wearing braces very soon. The cost is astronomical here too, with no insurance kick in. The total plan will cost us about 8,000 US, the biggest payout is about 4,000 at the beginning and then the rest over time and monthly check-up fees.
This we can just about cover though that lump sum payout is scary.
I am woried that I have two younger ones too whose adult teeth have not come in yet, don't know what they are going to be like. If all 3 of them need braces, I don't what we'll do.