I am an adult with braces. last year when I had my braces off, I was offered retainer insurance for $50 a year. I took it, but I didnt wear my retainer as prescribed. When I did try to wear it, it was tight and uncomfortable because my teeth shifted so I wore it even less.
A year later, I am back in braces as a Re-Treat. I went back to my Ortho and told her that after my re-treat, I want permanent retainers installed, upper and lower. The cost of my retreat and permanent retainer is $750 with insurance.
Most will not even tell you about perm. retainers. I did initially inquire but was discouraged because of the difficulty to clean around them. The tech in my Dentist office has them and she told me that no matter what, I should get them, but I thought I would be more diligent in wearing the retainer. She even showed me hers, a wire at the base of her teeth under the tongue. We have our teeth cleaned twice a year and use Sonicare's and Waterpiks, so I know that cleaning will not be a problem.
I consider it a lesson learned and will ensure both my boys receive permanent retainers off the bat. Retainers are for life. If you do not wear them, your teeth will move. I completely understand why permanent retainers are not promoted. You dont need replacement insurance, replacements or re-treats if you have a permanent. All you need is good oral hygiene to clean your teeth properly.