Careington Care Plan , for example, is a savings plan offering 20 percent off of the dentist's regular fee for adult orthodontia. Discount plans are a good choice if you already have dental insurance but no coverage for orthodontic treatment, or if you have reached your plan's yearly or lifetime maximum payout. The initial down payment is the first payment for all of the insurance companies when your orthodontic treatment starts. Insurance is complicated for orthodontic treatment due to the length of treatment and different plans. Does my insurance cover braces? Sometimes this is not covered due to a pre-existing clause in your new benefit.