Your dentist's biggest concern is your dental health. Teeth are a priceless possession. Maintaining them should never have to take a back seat to details like dental costs or insurance coverage.
Your dentist's patient financing policy is probably pretty basic: somehow, they'll find a way that lets them perform the work you need now, rather than put it off for money reasons. Simply put, they're there to help.
As a patient, you should receive a proposed treatment plan that's right for you. You should also receive a complete description of what's needed and a dental fees estimate - so you know what, when, and how much - right from the start.
If you're covered by dental insurance, your dentist's staff will work to obtain the maximum benefit your plan allows. They may even elect to spread your treatment over two "insurance years" to expand your coverage. Every plan and patient, of course, is different.
If you're not covered by insurance your dentist can still find a way to get you the dental work you need done. Credit cards, a dental loan, and monthly payments are all dental financing options you can explore in tailoring a program that fits your dental needs.
Your dentist realizes that dental costs will always play a part in the decisions you make together. But cost alone should never prevent you from seeking the dentistry you need early on, before the problem gets worse - and more expensive.