What happens when you don't have it? I have an issue this past week and I was referred rather than seeing a regular dentist, a local clinic that does the same things for cheaper. There is nothing wrong going there with insurance, but when you don't have it, or don't have good insurance it helps so many in the community. Are there places like this all over, what are average prices? This can be for a dentist or a doctor, I'm just curious to see the answers around the globe. ;)