Physicians Mutual Dental Insurance Review & Ratings (2024)

Protect your dental health with Physicians Mutual Dental Insurance: Unbiased review & ratings. 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.

UPDATED: May 9, 2024Fact Checked

Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Published Insurance Expert

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: May 9, 2024

Advertiser Disclosure

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: May 9, 2024

Advertiser Disclosure

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.

UPDATED: May 9, 2024Fact Checked
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Physicians Mutual Dental Insurance

Average monthly rate for healthy individuals:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • 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 budget-friendly plans suitable for various budgets, as highlighted in Physicians Mutual Insurance company dental plan reviews. With coverage for over 350 dental procedures, customers appreciate the Physicians Mutual cost savings associated with opting for the company’s network while still being able to retain their preferred dentist.

If you’re interested in affordable Physicians Mutual dental 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

Are you looking for reliable and affordable (primary keyword) options? In this comprehensive article, we delve into the key topics surrounding (primary keyword) to help you make an informed decision. Discover unbiased reviews, ratings, cost analysis, coverage options, and customer experiences. We understand the importance of finding the right (primary keyword) that meets your specific needs.

  • 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.

Physicians Mutual Dental Insurance reviews and complaints offer valuable insights into the experiences and satisfaction levels of policyholders with the company’s dental insurance offerings.

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. What does Physicians Mutual Dental Insurance cover? 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 Physicians Mutual Dental 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

If you’re wondering about Physicians Mutual Dental Insurance cost, rest assured, we have options tailored to your needs. From the affordable Economy Plus plan to the comprehensive Preferred Plus, our plans cater to various budgets and coverage preferences.

Curious about how much does Physicians Mutual Dental Insurance cost on average? Well, for Economy Plus, it’s $30.10 a month, Standard Plus averages $37.80 a month, and Preferred Plus comes in at $46.75 a month.

The Physicians Mutual Dental Insurance cost per year can be calculated by multiplying the monthly premium by 12. It’s a small investment compared to potential dental expenses.

When considering the cost of Physicians Mutual Dental Insurance, remember the value it brings. With reimbursement options for routine exams, cleanings, X-rays, and more, it’s an investment in your oral health.

For seniors, we understand the importance of comprehensive coverage. That’s why we offer competitive Physician Mutual Dental Insurance for seniors, ensuring they receive the care they need without financial strain.

Economy PlusStandard PlusPreferred Plus
In-network savings$40$40$40
Insurance coverage$112$135$159
Total you owe$65$42$18

No matter which plan you choose, rest assured that Physicians Mutual is dedicated to providing quality dental coverage at a reasonable Physicians Mutual Dental cost.

Physicians Mutual Dental Insurance Discounts Available

Physicians Mutual Dental Insurance offers various discounts to make dental coverage more affordable for individuals and families. Understanding these discounts can help policyholders maximize their savings.

  • Multi-Member Discount: Physicians Mutual often provides discounts for families or multiple members covered under the same policy. This discount encourages households to maintain comprehensive dental coverage together.
  • Annual Payment Discount: Policyholders who opt to pay their annual premiums upfront may be eligible for a discount. This discount reflects the convenience and cost savings associated with annual payments.
  • Preventive Care Discount: Physicians Mutual prioritizes preventive care, and policyholders may receive additional discounts for routine check-ups, cleanings, and other preventive services. This promotes proactive dental health practices.

Developing a Clear Understanding of the Claims Protocol at Physicians Mutual Dental Insurance

Ease of Filing a Claim

Physicians Mutual Dental Insurance offers policyholders a convenient and straightforward process for filing claims. You have multiple options, including online submissions, over-the-phone claims, and mobile app submissions. This flexibility ensures that you can choose the method that suits you best, making it easy to initiate the claims process whenever necessary.

Average Claim Processing Time

When it comes to claim processing, Physicians Mutual Dental Insurance strives to provide efficient service. While specific processing times can vary depending on the nature of the claim, the company is known for its relatively quick turnaround. Policyholders typically experience reasonable waiting periods, ensuring that they receive timely responses and resolutions to their claims.

Customer Feedback on Claim Resolutions and Payouts

Is Physicians Mutual good dental insurance? Yes, the company has received positive reviews for its fair and responsive approach to claim resolutions and payouts. Many policyholders express satisfaction with Physicians Mutual’s prompt and fair handling of claims, contributing to an overall positive experience with the insurer.

Physicians Mutual Dental Insurance Digital and Technological Progress: Reinventing Insurance

Mobile App Features and Functionality

Physicians Mutual Dental Insurance offers a user-friendly mobile app that enhances policyholders’ convenience and accessibility. The app provides a range of features, such as the ability to manage your policy, view claim statuses, and even file claims directly from your mobile device. This level of mobile integration ensures that you can easily stay informed and engaged with your insurance coverage on the go.

Online Account Management Capabilities

Policyholders benefit from robust online account management capabilities provided by Physicians Mutual Dental Insurance. Through their online portal, you can access and manage your policy details, review billing information, and track your claims. The online platform simplifies administrative tasks and empowers you to have greater control over your dental insurance account.

Digital Tools and Resources

In addition to the mobile app and online account management, Physicians Mutual Dental Insurance offers a suite of digital tools and resources to support policyholders. These resources include educational materials on dental health, FAQs, and helpful guides on using your insurance effectively. By leveraging these digital tools, you can make well-informed decisions regarding your dental coverage and care.

How Physicians Mutual Dental Insurance Ranks Among Providers

Physicians Mutual Dental Insurance, a reputable provider, is recognized for its comprehensive coverage, acceptance of a  Physicians Mutual dentist, and affordable plans. However, when considering options, it’s crucial to survey the competitive landscape. Here are some key competitors in the dental insurance industry:

  • Delta Dental: Delta Dental is one of the largest dental insurance providers in the United States, offering a vast network of dentists. With a variety of plans catering to different needs and budgets, Delta Dental is known for its flexibility and comprehensive coverage options.
  • Metlife Dental Insurance: Metlife is a well-established insurance provider offering a range of products, including dental insurance. With a focus on providing flexible and customizable plans, Metlife Dental Insurance appeals to individuals and employers alike. They emphasize network accessibility, affordability, and innovative coverage options.
  • Guardian Dental Insurance: Guardian Dental Insurance is recognized for its commitment to preventive care and comprehensive coverage. They offer a wide range of plans, including PPO and HMO options, catering to different preferences. Guardian Dental Insurance stands out with its transparent pricing, flexible coverage, and a robust network of dentists.
  • Cigna Dental Insurance: Cigna is a global health services company that includes dental insurance as part of its offerings. Cigna Dental Insurance provides a variety of plans with a focus on preventive care, and they emphasize a straightforward claims process. The company’s international presence adds an extra layer of convenience for individuals with global needs.
  • Aetna Dental Insurance: Aetna, a subsidiary of CVS Health, offers dental insurance with a focus on promoting overall health and well-being. Aetna Dental Insurance provides a range of plans, including PPO and DHMO options, and stands out for its emphasis on personalized care and member resources.
  • Aflac Dental Insurance: Aflac dental insurance reviews mention that Aflac offers straightforward claims processing and comprehensive coverage, though some note occasional challenges with network coverage and reimbursement delays.
  • AMICA Dental Insurance: AMICA provides competitive rates and customizable options, with praised customer service and a hassle-free claims process. Some customers express a desire for expanded coverage options.
  • Delta Dental Insurance: Delta Dental insurance reviews highlight that the company, known for its extensive network of dentists and efficient claims processing, occasionally faces criticisms regarding billing errors and limitations on coverage for certain procedures.
  • USAA Dental Insurance: In USAA Dental Insurance Reviews, customers note that USAA, catering exclusively to military members, veterans, and their families, is praised for its commitment to customer service and competitive pricing. However, some mention limited coverage options, especially for orthodontic treatment.
While Physicians Mutual Dental Insurance has its strengths, these competitors bring their own unique features and advantages to the table. Prospective policyholders should carefully evaluate each option based on factors such as network accessibility, coverage options, pricing, and overall customer satisfaction to determine the best fit for their dental insurance needs.

Physicians Mutual Dental Insurance Reviews

When examining Physicians Mutual dental reviews, it’s evident that while the company may not receive top marks across the board, it still garners significant praise.

Physician Mutual Dental Insurance reviews highlight the company’s stellar financial standing, underscored by an A on dental insurance ratings from A.M. Best, ensuring policyholders of reliable claims processing. Similarly, the Physicians Mutual Dental Insurance review from the Better Business Bureau bestows an A+ rating, accrediting the company’s excellence.

Seniors, in particular, favor Physicians Mutual for its inclusive policies, devoid of annual care limits and inclusive of denture coverage, a rarity in the insurance landscape. Physicians Mutual dental plan reviews consistently praise the company’s user-friendly online platform at dental.physiciansmutual.com, which makes payments and claims filing hassle-free. Accessing the entirety of one’s policy is a breeze with a straightforward Physicians Mutual provider portal login.

For those who prefer personal assistance, the Physician Mutual dental insurance phone number remains readily available during business hours, while the website remains accessible 24/7. Notably, there’s no deductible requirement with Physicians Mutual plans, a departure from the norm among most physician dental insurance reviews. Instead, coverage begins promptly after the Physicians Mutual Dental Insurance waiting period waiting period elapses.

Moreover, Physicians Mutual distinguishes itself by extending coverage to all, irrespective of dental health status. Even individuals with missing teeth or significant dental issues can secure comprehensive dental insurance through Physicians Mutual, a rarity in the industry.

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.

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 coverage provides 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 Physician 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.

How does Physicians Mutual Dental Insurance work?

Physicians Mutual Dental Insurance works by enrolling in a plan and paying a monthly premium. You visit a dentist within their network, receive treatment, and the dentist submits a claim. The company reimburses a portion of the cost based on your Physicians dental insurance plan’s coverage. You may have out-of-pocket costs like copays. Regular check-ups are covered to maintain oral health.

What are the reviews for Physicians Mutual Dental Insurance?

For specific reviews of Physicians Mutual Dental Insurance, you might want to check online review platforms like Trustpilot, ConsumerAffairs, or the Better Business Bureau. These platforms aggregate feedback from actual customers, offering insights into their experiences with Physicians Mutual Dental Insurance. Additionally, searching for reviews on Physicians Mutual Dental Insurance can provide valuable information about the company’s coverage and customer service.

How much is Physicians Mutual dental insurance for seniors?

Physicians Mutual dental insurance for seniors, with costs varying based on factors like chosen plans and location. They provide transparent pricing and coverage details, ensuring seniors can find a suitable option for their needs.

What is Physicians Mutual Dental Plan for Seniors, and what options are available?

Physicians Mutual Dental Plan for Seniors is a specialized dental insurance program designed to cater to the dental needs of seniors. It offers a range of options tailored to meet their diverse dental needs, ensuring comprehensive coverage and peace of mind. Physicians Mutual dental insurance for seniors reviews an be found on various online platforms, offering insights into the experiences of seniors who have utilized the insurance plans.

Is Physicians Mutual dental insurance legit?

Yes, it is a legitimate insurance provider that offers Physicians Mutual dental coverage to individuals and families. Reading Physicians dental reviews from current or past policyholders can offer insights into their legitimacy and customer satisfaction.

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Published Insurance Expert

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.

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