Do I need an allograft?

I was told tonight at the dentist office I need an allograft on a tooth with receding gum tissue. Is this necessary? What are the costs and are they covered by insurance? I'm worried about cost as I have a surgery we have to pay out of pocket already and have debt we are trying to get rid of. I don't know if it's necessary now or if we can wait until we have money. I was also hoping to get pregnant in the next few months.

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