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This is a complicated question. Orthodontic insurance is separate from medical and dental. If you have dental insurance, most likely you have orthodontic benefits. Orthodontic benefits are separate from your normal dental insurance with your dentist. Orthodontic benefits are paid over the course of the treatment for the patient and normally have a lifetime maximum or co-pay per patient. The normal time for braces is 24 months. In that case, your benefit would be paid over 24 months. Only 1% of insurance companies pay your orthodontic benefit in full in one payment. There are medical plans that have orthodontic benefits only if the braces are medically necessary and your plan includes orthodontic benefits. See below for examples of different scenarios.