Anita,
Sadly, this group doesn't stay very active...but, like you, I am very grateful it is here! I do not have any answers to your questions, but we have just started talking to our health insurance as we prepare for early stage treatment. Right off the bat, they are rejecting anything related to orthodontia and saying only things considered oral surgery would be covered. We are planning to fight that because we only have plans for braces because of her congenital issue (our older child doesn't even need braces...slight overbite and that's it).
We did start with a letter from her pediatrician stating that it is congenital, not trauma, that it is medically necessary and not cosmetic. I think her orthodontist sent a similar letter with what they submitted, but I haven't seen that letter/packet. Anyway, our health insurance policy says they will cover dental/teeth-related issues that are congenital...so I'm hoping this first response means the later bigger stuff (implants) and oral surgeries will not be a problem to get covered since they already admitted they would pay for oral surgeon stuff... But we're going to push for the braces, as well, since she'll have two phases.
Good luck on your journey!
Sharon