I concur.
I had braces put on at 24. All up it cost $10 000. Thankfully paid in installments. I got less than $2000 back from PHI despite having had top cover since I left school.
The PHIs seem to be cutting more and more back for major orthodontic work. Our family cover only gave $1500 max per person per lifetime.
You're not wrong there kim! Our PHI, pays out $2500 per family member over a lifetime for orthodontics, BUT it is paid out at $500 per year max. It is set to change this year cut back some more while they up our premiums