Physicians MutualReviews of physiciansmutual.com

I have always had helpful and friendly service whenever there was any question about my account.

Always there when I need them.

I have the best Physicians Mutual insurance agent ever.

Great products and rates

Affordable dental insurance with many providers

I had dental coverage for several years, I had automatic withdrawal for my monthly payment. In April, I had a cleaning which they covered, I had one cavity and it was fixed two weeks later and my claim was denied stating not covered for that period , even though I had automatic payment and several years of being a customer, it was denied no further explanation, so I canceled my insurance, very dissatisfied

No person to talk to, couldn't get answers to questions, never got answer back

You have to be aware of what type of plan you are buying-almost all dental plans have a maximum yearly benefit and deductible-this PM plan does not-however the allowed benefit is low-and root canals are categorized as major services dropping percentage of payment to 50%-compare to office charges and select a preferred provider for better coverage-a patient with a large treatment plan of major services might be the exception as you have no yearly maximum and will give you more opportunity to advance treatment. I.E.-if you were to choose a plan with a $1000.00 max you may probably be able to perform a crown, and 2 cleanings in a year and you would be close or over your max.-in my case it was a better choice to enroll here as my former dental plan also purchased privately (Delta Dental) and only covered up to $1000.00. I would better benefit from this plan due to my needed treatment-someone who requires 2 cleanings a year and maybe a filling should question if they need to enroll in a dental plan-if you get an employer plan as a benefit you can still enroll in this plan as secondary if you need more coverage than the primary. Be aware of guidelines and enrollment offers for implants. Almost all plans have a "missing tooth clause". Call the customer service # to answer your questions-I have called many times and had 1 issue over the last 5 years which was resolved due to insufficient information by the dental office for the claim. Remember, you only get the discounted out-of-pocket expense if you see a "preferred network provider". Providers are listed on their website-and place a call to check if they are currently active with the plan.