Physicians Mutual Dental Insurance Review 2024

Physicians Mutual Dental Insurance features four PPO plans with low premiums and no deductibles. All plans cover preventive, basic, and even major dental treatment. In this article, we’ll take a closer look at the Physicians Mutual dental plans so you can find the best one for you.

Physicians Mutual Dental Plans: Premier, Preferred, Standard, Economy, each with different monthly premiums

With Physicians Mutual Dental Insurance, you can choose between four PPO plans:

Premier: The most expensive plan at around $55/month, this plan covers 100% of preventive care, 70% of basic, and 70% major.

Preferred: Around $45/month, this plan covers 100% of preventive, 55% basic and 55% major.

Standard: Around $35/month you get 100% preventive benefits, 40% basic, and 40% major.

Economy: This is Physicians Mutual budget plan, and for just $30/month you get 100% preventive, 25% basic and 25% major.

Physicians Mutual Dental Coverage Details: Covers a wide range of treatment, from routine cleanings to root canals

Preventive benefits in Physicians Mutual Dental plans include cleanings, routine exams, and x-rays. Basic benefits include fillings, extractions, and minor oral surgery. Major benefits include root canals, crowns, and dentures.

Physicians Mutual Dental Alternatives: Find a dental plan that covers exactly what you need, including braces or dental implants

Physicians Mutual Dental Insurance can be a good option if you are an individual who doesn’t need a lot of major dental work. But if you have a family or would like more comprehensive care for yourself, you can get help from the knowledgeable staff at dentalinsurance.com to find the best plan for you.

Physicians Mutual Dental Insurance Review

You can also call 888-626-0057 to get help finding the best plan for you from a licensed representative.

Physicians Mutual Dental Pros and Cons

Explanation of pros

• No annual maximums: An annual maximum is the limit that the plan will cover for treatment per year. Once that limit is reached, you have to pay out of pocket for the rest. Usually, annual maximums are quite low (the average being $1300) considering the costs of treatment, which is why it is notable that these plans don’t have them.
• No deductibles: The deductible is what you pay before your insurance will start paying for your treatment. So if you have a deductible of $50, then you have to spend $50 on treatment before your coverage kicks in. With these plans, coverage kicks in right away.
• No waiting period for basic: It’s typical for there to be no waiting period for preventive care, but some plans do have waiting periods for basic care, which includes things like simple extractions and fillings.

Explanation of cons

• No coverage for dental implants: While it’s great that coverage for major care under these plans is as high as 70% at the Premier level, this coverage doesn’t include dental implants, nor implant-retained dentures, something that the 120 million Americans with missing teeth really need.
• 12-month waiting period: If you need care like root canals or crowns, you’ll have to wait 12 months before you can get them with this plan. Waiting too long for a root canal can cause the infection to spread and damage the adjacent teeth.
• Limited coverage: These plans fall within the average of most other dental plans in terms of what they cover — typically plans cover between 50% and 80% of major care (excluding implants and implant-retained dentures), but still coverage falls short if you need major dental treatment.

Physicians Mutual Dental Insurance Plans

Physicians Mutual offers four PPO dental plans, PPO plans being the most popular: Premier, Preferred, Standard, and Economy. Let’s take a closer look at the details of each now.

Premier

The Physicians Mutual Premier dental insurance plan is similar to what you would get if it was provided through your employer. It features the most benefits of all of the plans and has the highest monthly premium.

Have a look at the coverage it provides:

• Preventive care: 100%
• Basic care: 70%
• Major care: 70%

Preferred

The Preferred plan still offers better-than-average coverage while costing a bit less per month.

• Preventive care: 100%
• Basic care: 55%
• Major care: 55%

Standard

The Standard plan is designed for individuals who have good oral health and don’t expect to have expensive dental procedures in the near future. Let’s see what the coverage is.

• Preventive care: 100%
• Basic care: 40%
• Major care: 40%

Economy

As the name suggests, this is the most affordable Physicians Mutual Dental plan. This plan is meant for those whose main priority is preventive care, like cleaning and routine checkups.

• Preventive care: 100%
• Basic care: 25%
• Major care: 25%

Physicians Mutual Dental Plan Coverage Details

At first glance, Physicians Mutual seems to offer generous coverage for a wide range of treatments from basic to major. Let’s take a closer look at what Preventive, Basic, and Major include so you can make sure you are getting the coverage you need.

Preventive Benefits: No Waiting Period

Coverage includes:

• Cleanings
• Routine exams
• Comprehensive exams
• Dental X-rays
• Professional cleanings

Basic Benefits: No Waiting Period

Coverage includes:

• Fillings
• Minor oral surgery
• Repair of denture clasps
• Simple tooth extractions

Major Benefits: 12-Month Waiting Period

Cover includes:

• Root canals and crowns
• Crowns in bridges
• Partial and full dentures
• Surgical extractions

How Much does Mutual Dental Insurance Cost?

Physicians Mutual Dental Insurance costs around $30.50 for the Economy plan, $38.75 for the Standard Plan, $46.95 for the Preferred plan, and $56.50 for the Premier plan. None of the plans have deductibles or annual maximums, however you will end up spending more if you need a lot of major care.

Get Your Free Quote

Find out how much your dental insurance plan costs, depending on where you live, and the treatment you need. Get your free, no-obligation quote right now by filling in the form below.

You can also call 888-626-0057 to speak with a licensed representative who can help you figure out which plan best fits your lifestyle, budget, and oral health needs.

Best Physicians Mutual Dental Alternatives

In the table below, we compare Physicians Mutual with some of our other top picks for dental insurance plans.

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