I'm new to health insurance and little confused... Delta Dental told me I have $1,500 on my dental insurance for orthodontist work, I would like to get braces because my bottom teeth are spreading apart. Western dental accepts Delta Dental but my appointment is in 2 weeks so I can't talk to them till then, But a little work only needs to be done, I will probably only have them on for 6 months, Western dental is no payment down or credit check will be $49 a month for braces.. Do this mean it will be no out of pocket cost for me? How do this work? I Live In California