Get an estimate from the orthodontist first – the cost will probably exceed $3200, but you want to be sure. Do you have dental insurance? Some insurances will cover a portion of the cost. We had insurance, and so the amount out of pocket was close to $3200.
We paid up front to get the discount, and then got reimbursed from the FSA.
You don’t need to have the full $3200 accrued in the account to be able to withdraw it all.