Physicians Mutual Dental Insurance Review – Dental Care Experts

Dental Care Experts

Physicians Mutual Dental Insurance Review

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Physicians Mutual Dental Insurance review. As we have always said in our previous posts, keeping your mouth and teeth healthy is extremely important. However, many United States citizens prefer to avoid dentists because dental care procedure can be quite costly.

Therefore, if you have extra money you really should apply for a dental insurance. Having a dental insurance will ensure your oral health. There are two types of dental insurance, which are discount dental insurance and mutual dental insurance. We personally prefer the latter, and Physicians Mutual dental insurance is one of the companies that offer such service. We’ve gone through some investigation to learn what people say about this product. Before we get to our honest opinion on Physicians Mutual dental insurance review, let’s learn more about the company background and history shall we?

The company was founded back in 1902. At first it was established to provide insurance for doctors, dentists, and other medical professionals. Today, the Physicians Mutual Insurance has extended their service, providing the same insurance quality for everyone, regardless their profession. The insurance company financial status is very healthy, with AA- rating from S&P. The Street and BBB also rate the company excellent.

Currently, they are offering services in almost all states, including AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. So as you can see, this is a HUGE company, and a big insurance company tends to have a lot of complaints. If you search for the complaints, you may find a good number of it. The complaints in Physicians Mutual Dental Insurance review are usually related to problems with product/service, billing, and advertising/sales.

Map for Physicians Mutual Dental Insurance Office

In the Physicians Mutual Dental Insurance review, the complaints in the product/service include the value over cost and the claim procedure. Some users also had problems with their PMDI sales agents who are not professional. While all these complaints may be true in some cases, the fact is a lot of people have had a good experience with the company. As you can see from the chart below, most of the customers are extremely satisfied (68%), and 70% of the customers will definitely extend their insurance.

You should realize that that a company this big will have a large number of complaints too. What’s important is the percentage of the complaints. We dare to say that the Physicians Mutual Dental Insurance has a good record.

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Our Honest Physicians Mutual Dental Insurance Review

Some of the highlights and benefits of this Physicians Mutual Dental Insurance are:

  1. You can choose any dentist you want
  2. It covers over 300 procedures

Although the official site claim that the premium can be as low as 1$ a day, we have to admit that you have to dig your pocket deeper than that to get a good coverage. This dental insurance is rather expensive. The waiting periods are typically the same with other insurance. There are no waiting period for preventive care, the basic care are covered after three months, and major care are covered after 12 months.

Physicians Mutual Dental Insurance Review – Limitations

It is also important to note that the dental insurance has its limitations, and it is important for you to know these limitations.

  1. Expenses during waiting periods
  2. It does not cover cosmetic procedures, which includes facings on crowns or pontics beyond the second bicuspid.
  3. Prosthetic appliance, crown, restoration, fixed partial dentures replacement within five years of the last placement (except it is medically required after an accident)
  4. Wisdom tooth extraction
  5. Any procedure started before the covered person was insured under this coverage.
  6. Orthodontic treatment.
  7. Services which are not recommended by a dentist/physician or which are not required for necessary care and treatment.
  8. etc

ALWAYS make sure to read all of the conditions mentioned in your policy before it is enforced. Many people don’t bother to do this, and they end up getting their hopes too high. I hope our honest Physicians Mutual Dental Insurance review can help you decide whether you are going to get this dental insurance or not. Share your opinion in our comment section.

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  1. Kimber

    April 9, 2015 at 2:25 am

    I have had Physicians Mutual Insurance for several years now. I have used this insurance a few different times and they pay exactly what they say they will pay for the procedures I had done. While they may not pay a lot on some procedures, they pay what they are suppose too. I will be keeping this insurance for a long time.

    • Lisa Parker

      January 13, 2016 at 6:06 am

      The Physicians Mutual dental plan does have a good reputation among our readers. One thing for sure, they keep their end of agreement. That said, those who are planning to get a dental insurance from this company still need to pay close attention on the dental plan policy, including the limitation and other stuffs.

  2. Stephanie

    September 3, 2015 at 6:36 pm

    Physician Mutual has treated me well and I even receive vision insurance for myself and daughter. For vision and dental for one Parent and Family my fee is under $75 and it started immediately, I RECEIVED Services two days later

    • Lisa Parker

      January 13, 2016 at 6:01 am

      Wow, that’s nice to hear, Stephanie! Glad to know the Physician Mutual dental insurance fits you and your daughter…


    July 18, 2016 at 9:35 pm

    need to find dentist in zip code 75253 that takes your insurance

    • Lisa Parker

      July 24, 2016 at 6:39 am

      Hello, Barbara…
      First off, I am not affiliated whatsoever with Physician Mutual, so it is not MY insurance :)
      As for your question, I tried to locate the dentists that accept Physician Mutual dental insurance in that area by accessing their website, but it seems that there’s a problem on their website so I cannot access it. I honestly don’t know whether it is a temporary problem or not. Let’s just hope that it is.


    July 18, 2016 at 9:43 pm

    need location of dentist in 75253 9722867719

  5. Jack jackson

    July 20, 2016 at 12:00 am

    Does Physicians Mutual cover implants? If so up to what percent and what is the annual limit on the preferred plan?

    • Lisa Parker

      July 24, 2016 at 6:30 am

      Hello, Jack. As far as I know the Physician Mutual does cover dental implants and crowns too. Since dentures and implants are considered as major dental services, there’s a 12 months of waiting period.
      Physician Mutual has a unique system of coverage. Instead of percentage, they will cover the cost of your dental procedure in a flat rate. How much you will receive for dental implant depends on which plan you’re on.
      A bit of advise: Physician Mutual is a good option for people living in areas which dental services is not too expensive. In areas where you have to dig deep into your pocket for dental service, choosing other dental insurance that uses percentage would be a wiser thing to do.
      Hope that helps!

  6. Alice Real

    September 4, 2016 at 6:08 am

    I need to know a dentist in my area in oxnard or nearby cities in Ca that takes mutual insurance

  7. Joseph Singh

    November 13, 2016 at 9:21 pm

    Question: was how payment is made by the company looked into? The company says that there is no network, but the Dentist still as to file claims yes? Are they paid like with a Credit Card over the phone, or is it the standard claims procedure? If so, then you still have to make sure the dentist accepts Physicians Mutual, isn’t that correct?

  8. Marilyn Minor

    November 16, 2016 at 7:44 pm

    My husband received a card from this company in the mail and asked me to look into whether it would be beneficial. Similar to another comment above, I was unable to access their website (which is a HUGE red flag for me). If this was a ‘legitimate’ business, they would be more transparent and have all of their information out there on the web for prospective customers to review. I think that a 12 month waiting period is excessive, while you’re paying premiums and can’t access needed care. Just my opinion, but I will NOT be calling the 800 number on the card “to activate your dental insurance before your next appointment.”


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