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Physicians Mutual provides affordable dental insurance with a unique way of issuing payments that involves paying policy holders a set amount for dental services. The insurance options are easy to understand and covers most dental procedures. If you’re looking for simple dental insurance that doesn’t break the bank, Physicians Mutual is an excellent choice. However, it’s important to research the cost of dental procedures in your area before you sign up with this company, to make sure that you don’t end up paying major out of pocket costs every time you visit the dentist.

Three Insurance Plans

Physicians Mutual keeps dental insurance as simple as possible by offering three coverage options: the economy option, the standard option, and the preferred option, with the economy having the lowest monthly premiums. All the plans are among the most affordable dental insurance plans on the market.

Each plan pays a set amount, listed on the Physicians Mutual website, towards specific dental procedures. The company advertises that it covers over 350 dental procedures, which it breaks down into preventative care services (which policy holders can have right away after signing up), basic services (which start after three months), and major services (which start after a year). Instead of paying the dentist, the company pays the policy holder. If the dentist charges less than the plan pays, the policy holder can keep the difference, but if the dentist charges more than the play pays, the policy holder must cover the difference.

While premiums are very low with Physicians Mutual, that’s only worthwhile if the plan covers the cost of your dentist. Otherwise, your expenses will soon surpass any money saved on those premiums. Check with your dentist or dentists in your area about what they charge for services before you choose Physicians Mutual. One thing to keep in mind regarding dental charges is that dentists do sometimes offer a discounted rate when patients pay for services up front.

Professional Service

Physicians Mutual has been around since 1902 and has built an excellent reputation, which is reflected in its customer service representatives. You can expect polite, helpful service when you call in to this company. Physicians Mutual ranks high in customer satisfaction surveys, and doesn’t have many complaints, especially when it comes to its dental insurance. Of the complaints customers do make, many are simply misunderstandings regarding insurance policies, and not mistakes caused by the company itself.

A Simple Yet Effective Website

The Physicians Mutual website certainly isn’t flashy, but it gets the job done, and the dental insurance section is well done. It explains how the dental insurance works and how much each plan option covers in terms of payments. You can get a quote in seconds by entering your age range, state, and the type of coverage you need.

The website also has an accounts section where you can pay your bill and get basic information. One thing missing with Physicians Mutual is a mobile app, although it’s not a major need when it comes to dental insurance.


When it comes to dental insurance, it doesn’t get much easier or less expensive, at least when it comes to premiums, that it does with Physicians Mutual. However, since dental insurance is a type of insurance that you use frequently, it’s important to factor in more than just the cost of your premium. Do your due diligence and determine how Physicians Mutual compares cost-wise to a more traditional dental insurance plan.


Physicians Mutual Insurance Review