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Home / Learning Center / Scared of the Dentist but Need Treatment?

Scared of the Dentist but Need Treatment?

Young woman sitting on the couch deep in thought

Think Going to the Dentist May Hurt? Not Going Can Be Worse.

Skipping the dentist to save money is one of the most understandable financial decisions people make. It’s also one of the most expensive.

More people are making that choice than you might expect. According to ValuePenguin’s 2025 Dental Health Report, 34.1% of adults didn’t see a dentist at all last year. A Synchrony study found that 92% of people would consider delaying dental care if they needed to. And per Federal Reserve data reported by USAFacts, dental care is the single most-skipped category of care in the country; ahead of doctor visits, ahead of prescriptions.

That’s not neglect. It’s a decision made under pressure, often without the full picture of what it actually costs.

Why people put it off going to the dentist

The choice to skip a dental visit usually isn’t related to “should I go.” It’s “can I afford whatever they find.” In DentalPlans.com’s survey of more than 2,400 members, 35% said they had delayed or reduced dental treatment specifically because of cost. Preventive visits — cleanings and checkups, the cheapest and simplest care available — were among the most commonly skipped.

That’s worth pausing on. The visit that doesn’t hurt yet is the easiest one to push off. But it’s also the visit that keeps small problems small.

How much does it cost to delay dental treatment?

Delaying dental treatment can multiply the total cost of care several times over. A multi-year Cigna study found that adults who saw the dentist regularly reduced their dental costs by 31% over five years. People who skipped regular care saw their costs rise 43% over that same period, largely because preventive visits turned into restorative work.

Here’s how that plays out in practice:

  • A cavity caught early typically costs $150–$300 to fill.
  • Left untreated, that same tooth often needs a root canal — typically $1,000–$1,300.
  • Root canals usually require a crown afterward, adding roughly $1,000.
  • If the tooth can’t be saved, a bridge or dentures run $3,000–$4,500.
  • A single implant can cost at least double what a bridge does.
  • Gum disease treatment, once infection sets in, ranges from $600–$2,000.

None of these costs increase because someone made a poor decision. They increase because delay was the only option on the table, or the only one people knew about.

Closing the gap between needing care and getting it

There’s a real difference between delaying care after weighing the options, and delaying care because the options were never clear in the first place. For a lot of people, cost isn’t really the barrier. Not knowing what’s available is.

Dental savings plans exist to close that gap. They’re not insurance, so there’s no waiting period, no annual limits, and no paperwork process to navigate. Plan members get 10–60% off virtually all dental care through more than 140,000 participating dentists, usable within a few days of signing up. For the roughly one in three adults without dental insurance, that can be the difference between putting off care indefinitely and getting it handled this month.

The cost of waiting only moves in one direction. Addressing a problem early is almost always simpler, and less expensive, than addressing it later.

FAQs

Why am I scared of the dentist? 

Dental fear is extremely common and usually stems from a past bad experience, fear of pain, loss of control in the chair, or embarrassment about the condition of your teeth. You are far from alone: a 2025 census-matched study in the Journal of the American Dental Association found that 72.6% of U.S. adults reported some fear of going to the dentist, with about 46% describing it as moderate and 27% as severe. Modern practices offer options like numbing, sedation, and calmer scheduling to make visits easier.

What happens if I haven't been to the dentist in 10 years?

If it has been 10 years, expect a longer first visit focused on assessment rather than judgment, likely including X-rays, a deep cleaning to remove built-up tartar, and a plan to address any cavities or gum disease. Problems that developed silently over the years, such as decay or periodontal disease, are common after a long gap, but they are treatable, and dentists routinely see patients who have avoided care for years. The first appointment is usually an exam and cleaning, with any bigger work spread across follow-up visits.

What are the reasons to go to the dentist?

The main reasons to go to the dentist are to catch cavities and gum disease early, remove tartar that brushing cannot, screen for oral cancer, and keep small issues from turning into painful, expensive ones. Routine visits are also tied to overall health, since gum disease is linked to conditions like heart disease and diabetes. Prevention is almost always cheaper and less invasive than emergency treatment later.

What happens when you don't go to the dentist? 

When you skip the dentist, plaque hardens into tartar that only a professional can remove, raising your risk of cavities, gum disease, and eventually tooth loss. Small problems progress quietly and often become painful or costly by the time symptoms appear. Going without dental care increases the risk of tooth decay, gum infection, tooth loss, and has been linked to broader issues including cardiovascular disease and other serious complications.

Is it okay if I never go to the dentist? 

Never going to the dentist is not recommended, because most dental problems develop without pain or visible signs until they are advanced. Even people with excellent home care benefit from professional cleanings and exams that detect issues early. Skipping care entirely raises the long-term risk of decay, gum disease, tooth loss, and higher treatment costs down the road.

Is not going to the dentist bad for you? 

Yes, skipping the dentist can be bad for both your oral and overall health. Untreated tooth decay and gum disease can lead to infection, pain, and tooth loss, and research links poor oral health to conditions such as heart disease, diabetes complications, and pregnancy risks. Regular visits are a preventive measure, not just a fix for existing problems.

How long is too long without going to the dentist?

For most people, going more than a year without a dental visit is considered too long, and the American Dental Association recommends regular checkups tailored to your risk, commonly about every six months. Waiting longer gives cavities and gum disease time to progress undetected. If it has already been years, the best step is simply to book an exam now rather than waiting for pain.

How many people never go to the dentist? 

Roughly 1 in 3 U.S. adults does not see a dentist in a given year. According to the CDC’s 2024 Behavioral Risk Factor Surveillance System, only about 66% of adults reported visiting a dentist in the previous year, meaning around a third did not. A smaller group goes without care for much longer, and about 13% of lower-income adults reported not having visited a dentist in five or more years.

Costs cited above are averages based on treatment costs in the 33135 zip code and may vary by location or dentist. Check your dental savings plan's fee schedule for costs in your area.

About the Author
Chris Butler

Chris Butler

Vice President & General Manager | DentalPlans.com

Chris Butler is General Manager of DentalPlans.com, the largest online marketplace for dental savings plans and insurance. Over two decades in consumer leadership, he’s worked on the same problem in different forms: helping people navigate systems that weren’t built with them in mind. He now brings that lens to dental care, writing about the data, the patient stories, and the gaps worth closing — for the person in the chair, and the people trying to help them say yes.

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