Actually most dental insurance is only 1 to 2 thousand a year for work to be done. Since it is january you should have a fresh boat to sail on.
I think the typical cost of a root canal is about $900 and can be as little as $500 if you are a self pay customer. If you have an established relationship with your dentist, they will probably be more than happy to work out a payment schedule with you.
I tend to disagree with mary only because I do not want them pulling out my chompers yet it is the most effective way to get rid of the problem.
For e to have my wisdoms pulled, the navy sat me in a chair at boone clinic and started to yank on one of my wisdoms and I didn't get numb but he just kept on and I was screaming, after 17 injections with carbocaine and marcaine and even a blindfold to see if I was faking, (all the while in utter agony) they loaded me up in an ambulance and took me to portsmouth naval hospital to be put under general anesthesia and have my wisdoms removed. Needless to say I don't have a good feeling about losing more teeth, also the dry sockets were so bad that they had me taking demeral tablets with vicodan 7.5/650 for breakthrough.
If you can do the root canal it will benefit you in the long run. (just one terrified of the dentist guy to another)