Physicians Mutual Dental Insurance Review & Ratings (2022)

Physicians Mutual dental insurance has three plans with varying coverage, but all are affordable. While there is a list of Physicians Mutual dental insurance providers, you can choose any dentist you want and still receive coverage. With an A.M. Best rating of A and an A+ from the Better Business Bureau, Physicians Mutual has a plan that works for most budgets.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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The Rundown

  • 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

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.

What is Physicians Mutual dental insurance?

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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What do Physicians Mutual dental insurance rates look like?

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 PlusStandard PlusPreferred Plus
In-network savings$40$40$40
Insurance coverage$112$135$159
Total you owe$65$42$18
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As you can see, spending a few extra dollars a month can end up saving you a lot of money.

Physicians Mutual Dental Insurance Reviews

One of the best ways to get a sense of whether you should buy a policy from a company is to look at its reviews. While Physicians Mutual doesn’t get the best reviews, it still does very well.

To start, A.M. Best gives Physicians Mutual an A for its financial strength, meaning you can feel confident that your claims will be paid. The Better Business Bureau gives Physicians Mutual an A+ rating as an accredited company.

Seniors especially like Physicians Mutual because there are no annual limits to care, and this company helps pay for dentures, whereas many others don’t.

Customers enjoy that Physicians Mutual has an easy-to-use online service where you can make payments and file claims. With a simple Physicians Mutual dental insurance login, you can access your entire policy.

Of course, you can always call the Physicians Mutual dental insurance phone number if you’d rather speak with a person. Physicians Mutual accepts phone calls during regular business hours, but the website is available 24/7.

Customers love that there is no deductible with Physicians Mutual plans. Most dental insurance companies require that you meet a deductible before your coverage kicks in. Physicians Mutual pays for procedures as soon as the required waiting period has passed.

Physicians Mutual also accepts everyone, regardless of dental health. If you have missing teeth or serious dental problems, you can easily get dental coverage with Physicians Mutual.

Do you really need dental insurance?

When speaking about insurance policies, you might hear that dental insurance isn’t worth it. The idea is that the amount you pay for insurance ends up equaling the amount you would’ve spent on dental procedures.

You might not need a dental plan, especially if your workplace doesn’t provide it. If you take outstanding care of your teeth, rarely have a dental problem, and you’re young, you could probably get away with skipping insurance for a little while.

However, dental problems have a way of sneaking up on you. Even if you rarely have a cavity, root canals can become necessary with minimal warning. Without insurance, you’re on the hook to pay for everything.

Some people choose to skip the insurance, thinking that they can simply deal with a little bit of tooth discomfort. However, your mouth has been directly linked to the health of your heart and brain and even affects pregnancy.

You should also consider dental insurance if you have any of the following conditions:

  • Diabetes
  • HIV/AIDS diagnosis
  • Alzheimer’s or other dementia
  • Osteoporosis

Dental problems are typically associated with these health issues.

Even if you don’t go to the dentist beyond your semi-annual cleaning, dental insurance can give you peace of mind. Physicians Mutual dental insurance quotes are so cheap that you should consider buying a policy regardless of your situation.

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Get Dental Insurance Today

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.

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