Physicians Mutual Insurance Company, Inc.®
Dental Insurance
No deductible, no annual maximum on cash benefits
See any dentist you want
Helps pay for over 400 procedures with any of our plans
Let's get started
Find a dentist
Our partnership with Ameritas means we have one of the largest networks in the country. With over 600,000 provider locations, you’ll be able to find a dentist that’s convenient for you.
If you didn’t find your current dentist, don’t worry! You can see any dentist with this dental insurance. You’ll save even more money — an average of 40% on covered services* — when you see a provider in the Ameritas network.
Nominate your dentist to be part of the network
*National averages are subject to change, March 2025.
Wondering how it works?
See how these dental plans pay
Example 1: You go in for a routine exam, cleaning and X-rays.The average charge for a routine exam, cleaning and X-rays is $234. Here is how much our plans pay if you visit an Ameritas provider:
|
||||
| Premier | Preferred | Standard | Economy | |
|---|---|---|---|---|
|
Network discount +
insurance payment: |
100% | 100% | 100% | 100% |
| Average out-of- |
$0 | $0 | $0 | $0 |
Example 1: You go in for a routine exam, cleaning and X-rays.
Search for common covered procedures
Here are some of the most-commonly used dental procedures
and what percentage each plan covers when receiving care from a dentist in the Ameritas network.
| Covered procedure | Premier Plan | Preferred Plan | Standard Plan | Economy Plan |
|---|---|---|---|---|
| Cleanings | 100% | 100% | 100% | 100% |
| Routine Exams | 100% | 100% | 100% | 100% |
| Dental X-rays | 100% | 100% | 100% | 100% |
| Fillings for cavities | 70% | 55% | 40% | 25% |
| Minor oral surgery procedures and sedation | 70% | 55% | 40% | 25% |
| Simple tooth extractions | 70% | 55% | 40% | 25% |
| Root canals | 70% | 55% | 40% | 25% |
| Crowns | 70% | 55% | 40% | 25% |
| Dentures | 70% | 55% | 40% | 25% |
| Deep cleanings (scaling & root planing) | 70% | 55% | 40% | 25% |
| Periodontal maintenance | 70% | 55% | 40% | 25% |
| Emergency palliative treatment (pain relief) | 70% | 55% | 40% | 25% |
| General anesthesia (with oral surgery) | 70% | 55% | 40% | 25% |
| Inlays | 70% | 55% | 40% | 25% |
| Onlays | 70% | 55% | 40% | 25% |
| Bridges | 70% | 55% | 40% | 25% |
| Implant placement | 70% | 55% | 40% | 25% |
| Implant crowns | 70% | 55% | 40% | 25% |
| Denture repairs | 70% | 55% | 40% | 25% |
| Denture relines / rebases | 70% | 55% | 40% | 25% |
| Surgical extractions (impacted / wisdom teeth) | 70% | 55% | 40% | 25% |
| Apicoectomy (root-end surgery) | 70% | 55% | 40% | 25% |
| Space maintainers (pediatric) | 100% | 100% | 100% | 100% |
| Oral biopsies | 70% | 55% | 40% | 25% |
What is a waiting period?
A waiting period is the amount of time you must wait before you can receive coverage for certain treatments or services. We do this to help lower your monthly premium cost.
With this dental insurance, there are no waiting periods for preventive and basic care and a 12-month waiting period for major care. See our list of covered procedures to see which services are considered preventive, basic and major.
Don’t see the procedure you are looking for?
Top frequently asked questions
With this dental insurance, you have four plans to choose from. Each plan pays 100% for preventive services when you see an in-network provider. The Premier Plan pays 70% of the maximum allowable charge for basic and major services. The other three plans — Preferred, Standard and Economy — pay a set dollar amount. The difference between all four plans is the premium and what each plan pays. You’ll also benefit from these valuable features with each plan:
- No deductible and no annual maximum on the amount of cash benefits you can collect
- Immediate coverage for preventive and basic care and coverage for major care after 12 months
- Freedom to see any dentist you like, or save an average of 40% on covered services by choosing a dentist from our network of over 600,000 provider locations*
*This reflects the difference between the national average for charges without a network and those negotiated by the network for participating providers. Networks are subject to change.
Yes. If you're not happy with your insurance policy, you can return it within 31 days for a full refund. No hassles, no questions asked.
You can go to any dentist you wish, but, if you see a dentist in our network, you can save an average of 36% on covered services.*
*This reflects the difference between the national average for charges without a network and those negotiated by the network for participating providers.
Vision and hearing
Protecting your eyes and ears is easy with our optional vision and hearing rider! Add it to your dental coverage today!
Explore guides, resources and more in the Dental Health Help Center
Additional resources
Want these dental insurance details in one place? Get your free Info Kit!
This Dental Insurance Information Kit is an easy way to get all details about this dental insurance. Get yours now!
Get your copy of our “Guide to Dental Health and Insurance”
Read about oral health tips, dental care basics and how to make sense of insurance — wrapped into one easy-to-read resource.
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