because it can't be pulled it has to be surgically removed even with my insurance it is going to cost over $1000 and some time off work.
Yes I had one impacted and it had to be surgically removed. It was $400 way back then. But this can cause serious problems. Have you tried saving a little each month or applying for care credit? What does your dentist say when you go to them year after year for this.
I usually end up going to my primary for antibiotics. I have mentioned it a few times when I go to the dentist and they tell me when I am ready to get it removed they will refer me to someone to do it. My dentist can't do it.