We are with teachers health which has been great except orthodontic. We only get $1800 back in a lifetime per person after 3 yrs member ship and I think the max even after many years is 2K. Considering DD2 has just embarked on her orthodontic journey and is up for 2,800 and that's BEFORE the braces when she is 14 its not much. According to friends not many funds pay much for orthodontic sadly.