Dental care utilization remains low in Indonesia, structured by complex socioeconomic gradients. This cross-sectional study investigated the independent and interactive associations of health insurance type and wealth status quintiles with dental care utilization among Indonesian adults aged ≥ 25 years. Overall survey-weighted prevalence of dental care utilization was 8.27% [95% CI: 8.10, 8.43]. Compared with being uninsured, all health insurance types were significantly associated with higher utilization, led by private/other insurance (PR = 1.96; 95% CI: 1.79–2.13), government non-subsidized insurance (PR = 1.46; 95% CI: 1.39–1.54), and government subsidized insurance (PR = 1.24; 95% CI: 1.18–1.31). The highest quintile exhibited double the utilization of the lowest stratum (PR = 2.22; 95% CI: 2.06–2.40). Across all four insurance types, absolute risk differences between the highest and lowest wealth quintiles persisted (ranging from +7.00% to +19.68%), although formal multiplicative interaction terms were not statistically significant. Health insurance coverage and wealth status are independently associated with higher dental care utilization. Nevertheless, wealth-related differences in visits persist across all insurance types, indicating that targeted policy interventions addressing broader socioeconomic barriers remain essential.
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