I had a very similar experience. Hadn’t been to a dentist in a couple year, had a filling fall out and wanted it replaced. Old dentist didn’t take my new insurance. Tried the place my girlfriend had been using. Place insisted on an initial evaluation before they’d fix my tooth. Told me I had 14 cavities and laid out a financial plan for how I would be paying them off over the next decade. They were honestly strangely rude about the whole thing too. Really bad experience.

I got a second opinion, they fixed my tooth there and then. Been seeing this dentist on and off for ten years with insurance changes. I have had 2 cavities in ten years.