I have encountered similar situations and I agree with Richard Mumford on the options available for you.
Generally speaking, if your upper teeth is reasonably straight and if you do not have a deep vertical front teeth overlap, then lower teeth braces is often sufficient to address your concerns. If the crowding is mild to moderate , then it can be within the scope of teeth straightening without removing teeth. Treatment time in this instance takes 5-10months.
For severe crowding where you see double layers of teeth, teeth removal would probably be required, and braces to close spaces. For how health funds operate, I think they have a lifetime cover. So if u were under your parents family cover before but now have moved to your own cover, you would probably be entitled to some rebate from your health fund.
It is important for you to clarify this with your health fund B4 u start braces treatment, as the fine print can vary, and generally most orthodontists would be able to provide you the information you need ie: the health fund codes and duration of payment plan , for you to obtain this info from your health fund ( we are restricted from finding this on your behalf due to privacy laws)
Long term retainer wear after is recommended. In this case, a fixed retainer behind your teeth may be preferable at the end of treatment.
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