Physicians Mutual Dental Insurance Review: Not Good In 2023?
Physicians Mutual Dental Insurance Review
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
- 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. 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
Basic Care (Immediate Coverage)
- Cavity fillings
- Tooth extractions
Major Care (12-Month Waiting Period)
- Root canals
- 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|
|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.
- $150/year after a three month waiting period
- 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.
Please provide the top dental and vision plans for Medicare recipient such as myself and my husband thank you very much.
Hi Leslie, we sent you an email with more information.
Have Physicisns Mutual dental and vision insurance since 1/10/22. Not sure it was the best choice for me. I am 69 yrs old. Can you recommend the best insurance? I have healthy teeth, however most of them were capped about 25 yrs ago. I do need to replace some caps as they wear out. I also have glasses that need progressive lens, and I have hearing aids.
Hi James, we have a few better options than Physicians Mutual. We sent you an email with more information.
I enrolled in physicians mutual dental insurance and now I’m having second thoughts, is there a better dental and vision insurance I should be looking into
Hi Gloria. In our opinion, there are many other dental insurance options better than Physicians Mutual. We sent you an email with more information.
ronald edwin rutherford
Physicians mutual professes to have no maximum benefit. This info suggests it is not true. True of false?
Hi Ronald, Physicians Mutual dental insurance has maximums on every type of service they cover. Since they don't pay percentages, they will pay up to the flat fee, and after that anything else you are on the hook for. Even on their own website, it shows they have maximum benefits.
Would you please send me the comparisons of 15 Dental plans you spoke of. My wife and I are both over 60 and I am still in insured with my work. I am looking for a supplement to my current policy at this time and maybe continuing coverage when I’m eligible for Medicare
Thank you for reaching out, we sent you an email with more info!
I currently have dental coverage from the VA at no cost
My wife has MetLife Dental that costs us $50/mo. They quoted family plan at $150/mo. We have 3 kids. 16yo boy never been to dentist. 10yo boy never been also and 15yo girl who is already finished with orthodontia and very happy with result. Please advise if you can
Hi Alan, we sent you an email with more information!
Looking at dental options. Physicians Mutual is an option for me. Other suggestions?
Understand they only pay a flat fee. Thanks.
Hi Marilyn, we just sent you an email with more information!
I am looking just for a company that can help me with a implant. I have medicare/medicaid and I am 66 years old. I need a implant now, but I understand I will have to wait.
Hi Valerie, you are correct that you will have to wait. There is a 12-month waiting period on all dental plans for major care like implants. We sent you an email with more information.
Nancy Y Foster
Need help on finding best Dental Plan for seniors. I am 69, my husband is 71. We both are on Medicare.
We sent you an email Nancy, thanks for reaching out.
I'm a 68-year-old man, retired from the U.S. Government, enrolled in Medicare with GEHA secondary. I'm looking for a tertiary dental insurance to cover major issues like crowns. Medicare and GEHA only cover 50% combined for suhose services. My dentist is a preferred provider for Physicians Mutual. Might Physicians Mutual be a good choice as a tertiary provider?
Hi Mark, thanks for reaching out. We sent you an email!
I am 67 and looking for help to find the best dental plan. I am enrolled in Medicare. I need denture work and understand there is a 1 year waiting period.
Hi Tom, yes there is a one year wait for denture work. I sent you an email with more info.
Kelly, please send me info for the best dental plan for a 76 year old on Medicare.
hi Lou, we emailed you a brochure and some more information. Thanks for reaching out.
Please email me a list of the best dental plans for medicare recipients. Thank you.
Hi Barbara we sent you an email!