Ask for the complete proposed cost in writing, split into assessment, records, fitting, reviews, removal and retention, and note which amounts are estimates. Most dental care is not covered by Medicare, and private health benefits depend on the policy, as Cost of dental care guide explains. Ask your fund about orthodontic benefits specifically, using the item details from your plan, rather than assuming general dental cover applies.
For a child's braces, the Services Australia CDBS features page confirms that orthodontic treatment is not covered by the Child Dental Benefits Schedule. A lower first payment is not the same as a lower total, so lay out the full cost, the expected fund contribution and the payment dates before you compare. Read our payment options and ask how refunds, early cessation, changed treatment or a transfer to another provider would be handled. Ask for the answers in writing. For current fees, see our fees. Take the written quote home and read it before you decide.