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Physicians Mutual Dental Insurance review

Superb value for money dental insurance

Our Verdict

Physicians Mutual is a company that's over 100 years old and spans the US. The dental offering is available in over 450,000 locations and covers 350 procedures. There are three simple plans that make pricing easy to understand and customer reviews reflect this positively. The lack of app may be a factor for some but a decent website helps make up for this.

For

  • Wide US coverage
  • Simple, clean pricing
  • Lots of procedures covered

Against

  • No app

Physicians Mutual dental insurance: What you need to know

Started way back in 1902, Physicians Mutual is not only a very well established insurance provider, it's also one that offers some of the best value. Physicians Mutual dental insurance is one part of the company's wider insurance offerings so you can rest assured your investment is in a secure place. 

The Physicians Mutual network covers over 350 dental procedures and the insurer spans the US with headquarters in Omaha, Nebraska.

This service gives a lot of freedom for the money, adding to its value. This includes no annual or lifetime maximum on the amount of cash benefit a customer can collect. A nice way to know you're worry-free covered no matter what happens. The lack of deductibles is also a nice touch.

This is your guide to everything you need to know about Physicians Mutual dental insurance.

Policies: How much does Physicians Mutual dental insurance cost?

  • Prices start at around $24 and go to about $118
  • Three payment plans available
Physicians Mutual dental insurance: key facts

Coverage options: PPO

Plans available: Three

Snapshot: In-network savings up to 50 percent

Pricing varies by state but a rough guide shows a range from around $24 up to about $118.  While the prices do vary by state they don't as much as some dental insurers. As such you can expect fluctuations measured in nickels and dimes rather than dollars. 

What's special about Physicians Mutual dental insurance, which makes it such good value for money, is the addition of comprehensive cover features in its economy range. There are a whopping 350 procedures covered in total which offer an additional saving for in-network dentists. So if you've got healthy teeth but want to be covered for anything unexpected, this is the insurer for you.

Physicians Mutual dental insurance: Snapshot

  • In-network savings averaging 33 percent
  • Over 470,000 provider locations

The savings to be had on Physicians Mutual are not only at face value but also run deeper thanks to what you get for that low price. You will have access to a huge 470,000 provider location across the US meaning there should be a dentist near to you.

Also, you are set to enjoy savings of an impressive 33 percent. But it could even more than that since this is the average saving made, according to the Physicians Mutual website claims. That won't apply to all 350 procedures covered but will likely help in most situations where you'd otherwise be paying more.

Physicians Mutual dental insurance: What is covered?

  • 350 procedures
  • Exams, x-rays and cleanings

Physicians Mutual dental insurance, as previously mentioned, covers 350 dental procedures. The catch is that they're not all available right away.

The length of time you need to wait depends on the level of procedure required. Access is granted based on time and obviously which plan you've decided to go for.

Also covered are fillings, extractions, root canals, crowns, bridges, dentures and more. These procedures are sectioned into varying price categories, each one of these is a plan with the more complex and expensive offerings in the top end plans. More on that below.

Physicians Mutual dental insurance: Which is the best plan for me?

  • Preventive care immediate
  • Three options

Physicians Mutual dental insurance offers three basic plans which break down into procedures covered. These are Preventive Care, Basic Care and Major Care. 

Preventive offers payments immediately after cover starts. Basic Care has a three month wait before all services are covered. The Major Care package has some procedures that won't get a payout until you've had the cover for a year.

Here are some of the offerings of each plan:

  • Preventive Care Services: Exams, x-rays and cleanings - 30 preventive services.
  • Basic Care Services: Fillings, simple tooth extractions and minor oral surgery - 100 basic care services.
  • Major Care Services: Root canals, crowns, bridges and dentures - 200 major care services. 

Physicians Mutual dental insurance: What do users say?

  • BBB rating of A+
  • Indeed rating of 3.7 out of five

Customer reviews of Physicians Mutual are largely positive. However these are for the parent company so don't specifically focus on dental, although some will. Since the company's behavior on a larger scale is often apparent in subsections, this should be useful.

The Better Business Bureau has Physicians Mutual accredited with a rating of A+ as a company. Customer reviews on that platform reveal that of the 66 complaints in the last three years, 25 were resolved in the last 12 months. These were mainly billing issues.

Indeed's employee reviews, of which there were 126 at time of publishing, average a 3.7 star rating out of five. This is a site that shows what the company is like to work for, since this is mostly positive that bodes well for how customers can expect to be treated.

Physicians Mutual dental insurance: Verdict

The offering from Physicians Mutual dental insurance is a compelling one as it gives a decent range of choice spread across a massive 450,000 US locations. This breaks down into three clear and simple pricing structures that allow you to get basic preventive care immediately and more expensive procedures after a waiting period. 

Customer reviews are good and the company appears to offer decent servicing of its customers' needs. If you want a good value service that's easy to use then this could be the dental insurer for you.