I kind understand the reluctance to see a dentist, I didn't very often until just past 40 and I almost lost a tooth. But while people argue against dentist, especially those covered under a national or insurance plan, what's stopping you from using a private one? After all, what's the alternative, losing your teeth and then have to see one, especially a national or insurance one, for dentures? What don't people understand it's your only teeth, they don't heal or grow back?
Ok, enough ranting about. I went to a preventive work/maintanence dentist I've had now for over 15 years. I go 2-3 times a year for cleaning and/or exams. My insurance doesn't pay squat for it and most plans in the US don't pay very much anyway. It's one of those just get out the checkbook and write the damn check issues of life. Or face the alternative, paying more for having no teeth and wearing dentures for the rest of your life.
So have you asked yourself, "If I don't do anything and lose this tooth or these teeth, then what?" Is that what you want?