I have two daughters a 10 and a 13 year old. My 13 year old will need to have braces and from what the dentist feels right now my 10 year old may also need to have braces. Although I do have dental insurance benefits though my employer, the plan does not offer orthodontic coverages. So I would need a second dental insurance plan that will provide for orthodontics coverages. I really do not care about using it for any thing other the the braces so there will be no double coverages.