Seeing another dentist or orthodontist for a professional second opinion might be sensible. If you do want to ask online as well, Reddit is probably a better place, since this forum is really just focused on braces. I wish there were a bit more flexibility for other discussions, but it is what it is.
Other than that, I'm not sure what else to suggest. I've never had dental implants, and I don't have any experience dealing with health insurance either, hope that helps, good luck.