Review of Physicians Mutual Dental Insurance
Benefits Described
No annual maximum coverage limitations or deductibles: Unlike most preferred provider organization (PPO) plans, Physicians Mutual’s dental insurance policies do not have an annual maximum benefit limit or deductible.
Good premium for the PPO with the lowest cost: In two ZIP codes in Texas and California, the premium for Physicians Mutual’s most affordable PPO plan, which covers all three levels of treatment (preventive, basic, and major), is $30.50. This is reasonably priced when compared to other providers we looked at.
There are four PPO plans that pay for more costly significant dental care: Many insurers do not cover significant dental treatment at all plan levels, but these policies let you see any dentist and cover major dental operations including crowns, bridges, and dentures.
Cons Described
Low proportion of basic and major care coverage: Physicians Mutual claims that 25% of the costs of major and basic dental treatment are covered by its most affordable PPO plan. The 25% is an average, not a fixed percentage that takes into consideration more costly cities and processes. After your deductible is met, the majority of other insurance we looked at offer at least 50% coverage.
Several problems with client happiness include: J.D. Power’s customer satisfaction rating for Physicians Mutual’s underwriter is below average, and the company has more complaints than one might anticipate given its size.
Waiting period of 12 months for major care: Your main care coverage are inactive for a full year. It’s not the greatest wait time among rivals, but it’s also not the lowest.
Dental Insurance Types Physicians Mutual Offers
With the exception of Massachusetts, Minnesota, Montana, New Hampshire, New Mexico, Rhode Island, Vermont, and Washington, Physicians Mutual is present in all states.
Preventive treatment is fully covered by all four of Physicians Mutual’s PPO dental plans. The plans are roughly explained as follows:
Economy: Offers the lowest premium and pays, on average, 25% of the maximum permitted charge for major and basic care expenses.
Standard: Pays an average of 40% of the highest amount permitted for major and basic care expenses, with premiums that are somewhat higher than The economy
Premier: Has higher premiums than Economy and Standard and pays, on average, 55% of the maximum permitted charge for basic and major care expenditures.
Preferred: Offers the greatest premium, paying 70% of the maximum permitted price.
The Bottom Line
If you require dental treatment on a regular basis, Physicians Mutual may be a decent dental insurance provider. There is no deductible or yearly cap for any of its four plans. Furthermore, important dental services are instantly covered by all of the company’s policies. However, very limited flat-fee coverage for major and basic dental procedures, such as fillings, X-rays, and minor extractions, is available under Physicians Mutual’s least costly plan. A plan that reimburses your expenses at a greater percentage could be something you want to think about.