At my dentist’s office, there’s now a full-time person there whose entire job appears to be discussing your bill and how you “wish” to pay for it. I don’t have dental insurance, but from what I hear, insurance pays only a pittance (if that) for most procedures anyway.
After years of doing without, I broke down, so to speak, and bought a dental policy. It covers two annual cleanings, except for the fluoride treatment I usually get, on the basis that I’m too old for that sort of shenanigans; the dentist himself has quipped that if all you need is routine maintenance, the insurance costs more than the treatments. I really haven’t sat down to figure out exactly how much is paid for each type of service, though as is usually the case with health insurance, there’s a maximum price, of which they will pay some defined fraction. Still, the uninsured, to some extent, subsidize the insured, since that maximum price doesn’t apply to folks without the magic plastic card.