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Find A Dentist

At Physicians Mutual®, finding a dentist is easy. Some plans require you to visit particular dentists to get full benefits. Our insurance lets you choose any dentist you wish.

So, if you already have a dentist you love, you can keep that dentist. Or search for a dentist in your area by clicking on the card below that matches the top portion of your dental card.

Find a dentist by selecting the card below that matches your dental card.

Physicians Mutual Dental Card Example
Physicians Mutual Dental Card Example

Using Our Dental Insurance.

Our insurance pays up to a set amount for over 350 covered dental procedures. If your dentist charges more than the set benefit, you simply pay the remainder. Because our coverage pays the same benefits regardless of the dentist you see, you can even shop around until you find a dentist with lower fees, which helps you save money.

Ameritas, our claims administration partner, works with over 470,000 dentist locations nationwide. Ameritas dentists adhere to one of the most comprehensive Quality Assurance programs in the country. Use the Ameritas website to find a dentist and be sure to select the Classic (PPO) network.

Unable to find your dentist or a dentist nearby? Find a dentist who has earned the Seal of Acceptance from the American Dental Association.

If you need help finding a dentist, call Physicians Mutual Insurance Company at 1-800-228-9100.1-800-228-9100.

Using Our Dental Insurance.

Our insurance pays up to a set amount for over 350 covered dental procedures. If your dentist charges more than the set benefit, you simply pay the remainder. Because our coverage pays the same benefits regardless of the dentist you see, you can even shop around until you find a dentist with lower fees, which helps you save money.

With your coverage, you have access to the Ameritas Classic PPO Network, with over 470,000 dentist locations nationwide. By visiting a dentist who participates in the network, you may be able to lower your out-of-pocket costs. In addition, Ameritas network dentists adhere to one of the most comprehensive Quality Assurance programs in the country. Use the Ameritas website to find a dentist and be sure to select the Classic (PPO) network. There you can also learn more about how the network is built.

To search for additional dentists outside of the Ameritas network, find a dentist who has earned the Seal of Acceptance from the American Dental Association. Network discounts will not apply.

If you need help finding a dentist, call Physicians Mutual Insurance Company at 1-800-228-9100.1-800-228-9100.

What happens if the dental office says it doesn't accept this insurance?

Occasionally, some dental offices say they don't accept our insurance. It's because they may be used to working with group insurance plans that have networks. They're trying to be helpful by letting you know we're not in their network, and incorrectly assume you could get in-network services at a different dental office. If this happens to you, assure the office that this insurance has no network restrictions and pays benefits for covered services from any dentist. Also, be sure to ask if they'll file your claim for you.

What if the dentist won't file my claim?

Ninety-eight percent of dentists accept and file claims for our customers, so it would be extremely rare for a dentist not to file a claim for you. However, if this happens, it's probably because the dental office is used to only filing claims for patients who are a part of a network. Most dentists provide the extra service of submitting claims; the insurance payment is then sent directly to them and they can bill you for the remaining balance, if any. If your dentist doesn't file the claim, you can submit it on your own. You have two options:

  • Option 1: Download a dental claim form from the Customer Center. After you complete the top portion, have your dentist fill out the bottom. Then, send the form to Ameritas.

  • Option 2: Send Ameritas the original copy of the itemized dental bill (the one with the dental procedure codes). Be sure to send a cover letter with your contact information and insurance policy/certificate number. In most cases, when you submit the claim on your own, the benefit check will be sent directly to you. These claims are typically processed within seven days of receiving them.
To file a claim, mail or fax documents to:

Physicians Mutual Insurance Company
Dental Administrator: Ameritas Life Insurance Corp.
P.O. Box 82520
Lincoln, NE 68501
Fax: 1-402-467-73361-402-467-7336