It's a third party discount

It's a third party discount plan, but one several dentists in my area use. The other option cost $2100 for the root canal, filling, and crown without the plan or $1049 with.
On the estimate they gave me, it does say surgical removal as well as "bone repl/ridge" but that particular part was not explained to me. Is that why it costs more, because of that particular part?

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