My niece is doing phase 1, she is 9. She has a crossbite and a narrow jaw. For this phase it's $3700. Orthodontist said she will probably need phase 2 about a year after phase 1 is complete (phase 1 is scheduled to last 12-18 mos). If she needs phase 2 it will be an additional $4500.
My DD, 13, just got braces 2 weeks ago. I went with a in network orthodontist. Most will take our insurance, but the in network, has agreed to a lower fee. If we had a different insurance it would have been $8600. So the new fee is $4600. The insurance will pay $2000, IF DH stays with the same company during the treatment (estimated to be 36 mos). So every quarter they pay a potion, if he leave before, we have to pay off the remainder.
When I was a kid, the insurance just wrote a check for the whole ortho amount allowed. Mine were $4000, back in 1979 (had the worst teeth my orthodontist had seen at the time), their combined ortho insurance covered $2000 and then they had 4 year to make payments on the remaining $2000.