Physicians Mutual Dental Insurance Review & Ratings (2024)

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.

As you can see, spending a few extra dollars a month can end up saving you a lot of money.

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

Customer feedback is an essential aspect of evaluating any insurance provider’s claims process. Physicians Mutual Dental Insurance has garnered positive reviews for its fair and responsive approach to claim resolutions and payouts. Many policyholders express satisfaction with the company’s willingness to honor claims promptly and fairly, contributing to their 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 is a reputable provider known for its comprehensive coverage, acceptance of all dentists, and affordable plans. However, it’s essential to explore the competitive landscape to make informed decisions. 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.

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

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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