If you can't afford their recommended care because insurance isn't covering them, you're probably going to skip getting that care. They would be concerned about that from a billing perspective, and, if they're good dentists, because you're not receiving the care you need.

I paid over $4k out of pocket in the past 1.5 years to get a broken tooth and some wisdom teeth I had ignored for too long taken care of. Insurance only handled like $2k before they told me to get lost until the next billing year.