Physicians Mutual Dental Insurance Review
Physicians Mutual dental insurance comes with an optional vision rider at additional cost. However, there is no vision coverage whatsoever. You can find better rates for more coverage elsewhere.
|✅ 3 Different Plan Options||❌ No Hearing Coverage|
|✅ Large Dental Network||❌ Vision Coverage Costs Extra|
|✅ No Deductible||❌ Flat Reimbursements Rates Not Percentage|
|❌ No Orthodontic Benefits|
Physicians Mutual dental insurance lets you use any provider but has better rates for their very large network.
But are they the best option for you?
Most of the time no, but there are some instances when Physicians Mutual dental insurance makes sense.
This article show all the Physicians Mutual has to offer and sample rates.
If you want to enroll in a dental plan or compare your options among 15+ different carriers to find the best rates, contact us!
Table Of Contents
- Dental Insurance Coverage
- Dental Insurance Plans
- Dental Insurance Prices
- Vision Rider
- Dental Insurance For Seniors
- Dental Providers
Physicians Mutual Dental Insurance Coverage
Physicians Mutual dental insurance covers the following dental services.
Preventative Care (Immediate Coverage)
- Routine cleanings/exams
Basic Care (3-Month Waiting Period)
- Cavity fillings
- Tooth extractions
Major Care (12-Month Waiting Period)
- Root canals
- Other surgeries
Physicians Mutual Dental Insurance Plans
Physicians Mutual has many different plan options. Here is an overview of each one and what it covers.
Physicians Mutual dental comes with a 3-month waiting period for basic services and a 12-month waiting period for major services.
All plans come with no deductible.
Preferred Plus is the most comprehensive and most expensive plan that pays out the most benefits.
Preferred Plus pays out a maximum of $159 for preventative care, $248 for basic care, and $1,145 for major care.
They do not pay percentages, instead, reimburse you for up to this maximum amount.
Standard Plus is the middle ground of coverage. This has medium rates and medium coverage.
Standard Plus pays out a maximum of $135 for preventative care, $205 for basic care, and $929 for major care.
Economy is the least expensive but also with the lowest reimbursement rates.
Economy Plus pays out a maximum of $112 for preventative care, $161 for basic care, and only $700 for major care.
|Service||Preferred Plus||Standard Plus||Economy Plus|
|Basic (3 Month Waiting Period)||$248||$205||$161|
|Major (12 Month Waiting Period)||$1,145||$929||$700|
Physicians Mutual Dental Insurance Prices
Prices for Physicians Mutual are not bad, however, you will need to pay more if you want the vision coverage.
They have multiple options for singles, spouses, and families. Children’s plans are for single parents, while family plans are for the whole family.
Prices may change slightly depending on your state and age.
Physicians Mutual comes with an optional vision rider at additional cost.
The monthly vision rider starts at around $7/month/person.
- $50/year/person first year
- $100/year/person second year
- $150/year/person third year
Physicians Mutual Dental Insurance For Seniors
Many seniors in Medicare look for dental, vision, and hearing coverage because Medicare does not cover these benefits, with the exception of some Medicare Advantage plans.
Therefore, a comprehensive dental, vision hearing coverage plan is needed.
While Physicians Mutual dental insurance comes with an optional vision rider at additional cost, it does not come with hearing benefits, and the vision rider raises the price.
Physicians Mutual Dental Providers
Physicians Mutual uses the Ameritas dental network, which is a vast network all across the country.
There are a few reasons why we don’t recommend Physicians Mutual in most cases.
First, their reimbursement rates are flat rates instead of percentage-based. This means for very expensive care that can be thousands of dollars, other companies will pay out more.
Second, Physicians Mutual does not come with any orthodontic benefits. If you have someone who might need orthodontic care, another company will be a better fit.
Third, Physicians Mutual does not offer any hearing coverage. Many other companies offer this coverage free of charge.
So there you have it.
If you want to compare 15+ of the top-rated companies please contact us. We are an independent brokerage so we can find the best rates and benefits for you.
Feel free to leave a comment below if you have any other questions!
We look forward to hearing from you.