Finances may be a bigger factor than fear when it comes to avoiding the dentist. Approximately 45 million Americans do not have dental insurance, and dental visits among working adults have been sharply declining. Emergency room visits for dental conditions have been increasing, however, and with an average cost of $749 per visit it’s an expensive trend. One trip to the ER costs nearly three times more than annual dental insurance premiums for an individual, which range from $223 to $280 depending on the type of coverage. Finding affordable dental care is possible with a little effort. Even for those who have dental insurance, it’s important to monitor out-of-pocket expenses. Dental plans usually have a maximum coverage amount of $1,000, so taking a proactive approach can minimize costs if you need more than just a periodic cleaning. TheStreet's Lauren Lyons Cole reports from New York.