Physicians Mutual Dental Insurance Review: Not Good In 2023

Physicians Mutual Dental Insurance Review

Summary
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.
Pros | Cons |
---|---|
✅ 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
- Recommendation
Physicians Mutual Dental Insurance Coverage
Physicians Mutual dental insurance covers the following dental services.
Preventative Care (Immediate Coverage)
- Routine cleanings/exams
- X-rays
Basic Care (3-Month Waiting Period)
- Cavity fillings
- Tooth extractions
Major Care (12-Month Waiting Period)
- Root canals
- Crowns
- Dentures
- 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
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
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 Plus
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 |
---|---|---|---|
Preventative Care | $159 | $135 | $112 |
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.
Plan | Single | Spouse | Children | All Family |
---|---|---|---|---|
Preferred Plus | $37/month | $91/month | $90/month | $134/month |
Standard Plus | $30/month | $74/month | $73/month | $108/month |
Economy Plus | $24/month | $59/month | $58/month | $86/month |
Vision Rider
Physicians Mutual comes with an optional vision rider at additional cost.
The monthly vision rider starts at around $7/month/person.
Eye Exams
- $50/year/person
Vision Correction
- $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.
There are other companies like Aetna and Mutual Of Omaha 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.
Recommendation
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.
FAQs
24 Comments
Leslie Davis
Please provide the top dental and vision plans for Medicare recipient such as myself and my husband thank you very much.
Kelly Maxwell
Hi Leslie, we sent you an email with more information.
James Darrish
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.
James Darrish
Kelly Maxwell
Hi James, we have a few better options than Physicians Mutual. We sent you an email with more information.
Gloria Mclane
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
Kelly Maxwell
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?
Kelly Maxwell
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.
Kelly Press
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
Kelly Maxwell
Thank you for reaching out, we sent you an email with more info!
Alan Segal
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
Kelly Maxwell
Hi Alan, we sent you an email with more information!
Marilyn Hope
Looking at dental options. Physicians Mutual is an option for me. Other suggestions?
Understand they only pay a flat fee. Thanks.
Kelly Maxwell
Hi Marilyn, we just sent you an email with more information!
Valerie
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.
Kelly Maxwell
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.
Kelly Maxwell
We sent you an email Nancy, thanks for reaching out.
Mark Jordan
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?
Kelly Maxwell
Hi Mark, thanks for reaching out. We sent you an email!
Tom
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.
Kelly Maxwell
Hi Tom, yes there is a one year wait for denture work. I sent you an email with more info.
Lou Haelle
Kelly, please send me info for the best dental plan for a 76 year old on Medicare.
Thank You
Kelly Maxwell
hi Lou, we emailed you a brochure and some more information. Thanks for reaching out.