Physicians Mutual Dental Insurance Review & Ratings (2024)
Protect your dental health with Physicians Mutual Dental Insurance: Unbiased review & ratings (2023). Discover real user insights on overall satisfaction, claims, cost, billing, and service. With an A+ rating from A.M. Best, Physicians Mutual provides comprehensive coverage for your dental needs. Compare quotes from top insurance providers in your area and safeguard your smile.
Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Licensed Insurance Agent
UPDATED: Nov 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Physicians Mutual Dental Insurance
Average monthly rate for healthy individuals:
N/AA.M. Best rating:
N/AComplaint level:
LowPros
- Specialization in health-related insurance products.
- Focus on customer service and satisfaction.
- Financial stability and a strong history in the insurance industry.
- Tailored coverage options for various healthcare needs.
Cons
- Limited variety in insurance offerings compared to larger providers.
- Rates might be higher than competitors for certain policies.
- Geographical limitations in coverage.
- Policy restrictions or limitations may apply.
Final Verdict: Review of Physicians Mutual Dental Insurance
Physicians Mutual dental insurance offers three affordable plans that can work for just about anyone’s budget.
Over 350 dental procedures are covered, and while you’ll save money by choosing from the company’s network, customers love that you can keep your own dentist.
If you’re interested in affordable Physicians Mutual dental insurance plans, you should still shop around to find the best rates possible. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.
What You Should Know About Physicians Mutual Dental Insurance
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- Physicians Mutual has three dental plans to select from: Economy Plus, Standard Plus, and Preferred Plus
- The company has an A+ rating from the Better Business Bureau and an A from A.M. Best
- Over 500,000 dentists make up the company’s provider list, but you can choose any dentist you want and still receive coverage
That’s why we offer a simple and persuasive call-to-action: enter your ZIP code now to compare rates from the best insurance providers in your area. Take control of your insurance choices and protect what matters most to you.
While nearly everyone understands the importance of health insurance, many people forget that they should have dental insurance. The health of your teeth can have a surprising impact on your overall well-being. Problems in your mouth can also lead to excruciating pain.
Of course, everyone wants a smile they can be proud to share.
Dental insurance can help you keep your pearly whites healthy and beautiful. From routine cleanings to serious oral surgery, everyone should have access to a dental plan.
Physicians Mutual has excellent reviews and reasonable rates, as well as an extensive network of dentists to choose from. Founded in 1902, the Physicians Mutual dental insurance company has provided people with affordable insurance for more than a century.
If you’re looking for affordable Physicians Mutual dental insurance rates, you should still shop around to see what other companies offer. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.
Physicians Mutual Dental Insurance Coverage Options
While dental insurance helps keep dental work prices affordable, it’s well-known that finding a good dentist inside your network can be a pain.
Physicians Mutual eliminates that hassle by accepting all dentists. There are no specific Physicians Mutual dental insurance providers because the company accepts all dentists.
Like most dental insurance companies, Physicians Mutual does have a network of dental providers, numbering over 500,000. You can save up to 36% on your dental work if you stay within the network, but Physicians Mutual covers everyone.
Another key feature of Physicians Mutual coverage is that you don’t have deductibles. Additionally, your insurance goes into effect the day you sign your paperwork for specific procedures. This way, you won’t have to wait to start preventative care.
Physicians Mutual insurance covers over 350 procedures. This includes preventative exams and cleanings, and more serious things like crowns and fillings. The coverage even helps pay for dentures.
There are some limits to what you can get, however. For example, the following services will only be covered three months after you sign up:
- Tooth extractions
- Simple oral surgeries
- Fillings
For more complex care, you’ll likely have to wait a year before your Physicians Mutual insurance will cover it. The one-year waiting period applies to:
- Dentures
- Complex tooth extractions
- Crowns
- Root canals
- Bridges
- Adding teeth to dentures or bridges
While there is a long waiting period for specific procedures, the good news is that there is no annual limit to the work you can have done.
If interested, you can also purchase health and life insurance from this company.
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Physicians Mutual Dental Insurance Rates Breakdown
In the interest of staying affordable, Physicians Mutual has three levels of coverage to choose from.
The first is called Economy Plus and is meant to provide people or families on a budget with access to dental care. This plan averages at $30.10 a month.
For an average of $37.80 a month, you can move up to the Standard Plus plan. While it costs a little extra, you’ll get access to more features and more coverage.
Finally, there’s Preferred Plus. This popular plan costs $46.75 a month on average and comes with the most coverage.
The true difference between the three plans is how much Physicians Mutual will reimburse you for your dental work. Take, for example, the average cost of $217 for a routine exam, cleaning, and X-rays.
Economy Plus Standard Plus Preferred Plus
In-network savings $40 $40 $40
Insurance coverage $112 $135 $159
Total you owe $65 $42 $18
As you can see, spending a few extra dollars a month can end up saving you a lot of money.
Frequently Asked Questions
What is Physicians Mutual Dental Insurance?
Physicians Mutual Dental Insurance is a type of dental insurance offered by Physicians Mutual Insurance Company. It is designed to help individuals and families cover the costs of routine dental care, as well as more extensive procedures such as fillings, extractions, and crowns.
How does Physicians Mutual Dental Insurance work?
Physicians Mutual Dental Insurance works by providing coverage for a variety of dental services. Policyholders pay a monthly premium and may be required to pay a deductible or copayment for certain services. The insurance company then pays a portion of the cost of covered services, up to the policy’s limit.
What are the benefits of Physicians Mutual Dental Insurance?
Some of the benefits of Physicians Mutual Dental Insurance include access to a network of dentists who have agreed to provide services at reduced rates, coverage for routine preventative care such as cleanings and x-rays, and coverage for more extensive procedures such as root canals and implants.
How do I enroll in Physicians Mutual Dental Insurance?
You can enroll in Physicians Mutual Dental Insurance by contacting the company directly. You can also visit their website to learn more about their policies and coverage options.
How much does Physicians Mutual Dental Insurance cost?
The cost of Physicians Mutual Dental Insurance varies depending on several factors, including your age, location, and the level of coverage you choose. You can get a quote by contacting the company directly or visiting their website.
Does Physicians Mutual Dental Insurance cover pre-existing conditions?
Physicians Mutual Dental Insurance may cover pre-existing conditions, but it depends on the specific policy and the severity of the condition. It’s important to read the policy details carefully before enrolling.
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Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.