Thanks for the additional information.
Periodontal bone loss is measured by probing and measuring the periodontal pocket, that is, distance between the top of the gum and the supporting bone under neath. The more bone loss the deeper the pocket that can trap food and bacteria, far away from your ability to keep the area clean. Healthy pocketing is 3 to 4 millimeters. 5 to 6 is marginal and deeper than 6 is cause for concern.
You do have a financial reason to have them out now with the insurance coverage. The only downside to having them removed are the possible complications of removing any tooth. Unless the roots are severely curved, the extractions should be relatively easy as your teeth are completely erupted, therefore no incisions or bone removal would be needed as is the case with impacted wisdom teeth. Once the teeth are out and the areas healed, there are no downsides to having had them out.
You are asking the age old question we are faced with in dentistry every week. To keep or remove wisdom teeth. You have an advantage in that yours are fully erupted and functioning. The only reason you would have to have them out is if the bone loss is bad enough to affect the neighboring teeth and cause periodontal abscesses. I think you need to find out the periodontal pocket measurements on these teeth to make a completely informed decision. By the way, the more bone loss there is around a tooth, the easier it is to remove it, however, the older you are, the more brittle the bone and the harder it is to remove the teeth.
If I were in your position and the pocketing was 5 millimeters or less, even 6 millimeters if I was having regular cleanings, I would keep the teeth as the age factor and relatively good bone level would make the extractions more difficult. If the pockets are 7 millimeters and higher, the periodontal disease has a good chance of affecting the bone of the adjacent teeth and the extractions would be easier due to the bone loss. I would have them out in this case.
I hope this helps.
Sincerely, XXXXX XXXXX DDS