I called the person who deals with insurance issues. Assuming you are in Massachussetts: Delta Dental covers 80% whether you go under GA or Local anesthesia. Mass Health covers for impactions but bony impactions need prior approval. Root tips are not covered. Medical Plans do cover if hospitalized and need more than seven teeth to be extracted. (no the case with you). I don't think there is any difference between a plan and insurance. NB: Depending upon the degree of impaction, your bill may go as high as 800$ per tooth under GA. Call your dental office and ask them which plan/insurance they accept and then choose the insurance. I think there are only specific times when you can apply. Hope this helps.