Physicians Mutual Dental Insurance Review: Not Good In 2023?

Physicians Mutual

Physicians Mutual Dental Insurance Review

Kelly Maxwell

Physicians Mutual
Editor’s Rating: 3/5 Stars


Physicians Mutual dental insurance is not bad for preventative care, however their rates to get more basic and major care covered increase significantly. Also, their hearing and vision coverage costs extra.

✅ 4 Different Plan Options❌ No Orthodontic Benefits
✅ Large Dental Network❌ Vision & Hearing Coverage Costs Extra
✅ No Deductible❌ Large Premium Increases For Major/Basic Care

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?

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 many different top-rated carriers to find the best rates, contact us!

Table Of Contents

Physicians Mutual Dental Insurance Coverage

Physicians Mutual dental insurance covers the following dental services. Physicians Mutual dental insurance currently only has a waiting period for Major care. Basic care and preventative care is covered by percentage depending on the plan from day one.

Preventative Care (Immediate Coverage)

  • Routine cleanings/exams
  • X-rays

Basic Care (Immediate Coverage)

  • Cavity fillings
  • Tooth extractions

Major Care (12-Month Waiting Period)

  • Root canals
  • Crowns
  • Dentures
  • Other surgeries

Physicians Mutual Dental Insurance Plans

If you’re wondering how Physicians Mutual dental insurance works you should know Physicians Mutual has four different plan options. Each plans increases in price if you want more comprehensive coverage for major or basic care. Here is an overview of each one and what it covers.

Physicians Mutual dental comes with immediate coverage for preventative and 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.

Physicians Mutual premier plan pays out 100% for preventative care, and 70% for basic and major care.


Physicians Mutual preferred plan pays out 100% for preventative care, and 55% for basic and major care.


Standard is the middle ground of coverage.

Physicians Mutual standard plan pays out 100% for preventative care, and 40% for basic and major care.


Economy is the least expensive but also with the payouts.

Physicians Mutual economy plan pays out 100% for preventative care, and 25% for basic and major care.

Physicians Mutual Dental Insurance Cost

Cost (Varies By State)$56/month$47/month$39/month$30/month
Preventative Care100%100%100%100%
Basic Care70%55%40%25%
Major Care (12 Month Wait)70%55%40%25%

Prices for Physicians Mutual are not bad, however, you will need to pay more if you want the vision coverage. In most states the vision/hearing coverage is $8.95/month.

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 Vision/Hearing Rider

Physicians Mutual comes with an optional vision and hearing rider at additional cost.

Here is what this additional rider covers.

Eye Exams

  • $100/year/person

Vision Correction

  • $150/year after a three month waiting period

Hearing Exams

  • $75/year
  • Up to $500/year after 12 month waiting period for hearing aids

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/hearing rider at additional cost, the vision rider raises the price above other comparable companies.

There are other companies like Aetna Dental Insurance and Mutual Of Omaha Dental Insurance that come with comprehensive coverage at a lower cost and more benefits.

Physicians Mutual Dental Providers

Physicians Mutual uses the Ameritas dental network, which is a vast network all across the country.

Click here to see which dentists in your area are in-network.

Is Physicians Mutual Dental Insurance Any Good?

There are a few reasons why we don’t recommend Physicians Mutual in most cases.

First, while they have good prices if all you need is preventative care, to get any substantial coverage for basic or major care requires larger monthly premiums.

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 hearing and vision coverage does not come free of cost, like it does with many other companies for seniors.

So there you have it.

If you want to compare the top-rated dental insurance companies for seniors 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.