Physicians Mutual Insurance Company®
Get Affordable
Dental Insurance
Four plans, four ways to save
Whether you’re looking for an option to help offset occasional costs or something with more coverage, we’ve got a plan for you.
No deductible, no annual maximum on cash benefits
100% coverage for preventive care when you see an in-network provider
40%* savings when you use an in-network dentist
All four plans help cover the same 400 procedures
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Coverage details
Preventive benefits
Start immediately
This coverage pays 100% for over 40 preventive services right away when you stay in network.
Covered preventive services include:
- Cleanings
- Routine and comprehensive exams
- Dental X-rays
- Professional dental cleanings
- And more
Basic benefits
Start immediately
Helps pay your bills for over 130 basic dental services.
Covered basic services include:
- Fillings for cavities
- Minor oral surgery procedures and sedation
- Repair or replacement of denture clasp
- Simple tooth extractions
- And more
Major benefits
Start after 12 months
When you need expensive treatment, you can collect benefits for over 270 major services.
Covered major services include:
- Root canals and crowns
- Artificial teeth used in bridges
- Partial & full dentures
- Surgical tooth extractions
- Adding a tooth to an existing partial denture
- And more
Vision & hearing, too
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.
31-Day Money-Back Guarantee
Our dental customers say it best
I absolutely love my dental insurance through Physicians Mutual Insurance Company. I had no problems with it. My dental office files the claims, leaving me with very little balance to pay. I would not have any dental care without it.
I am always pleased that Physicians Mutual lives up to the standard that I expect — like paying for a portion of my dental expenses! If I did not have Physicians Mutual dental, I would not be able to care for my teeth in the way I have become accustomed. Thank you so much!
Thank you! I’m so glad I decided to get dental coverage through you once again. My customer service representative was very knowledgeable and helped me get a dental plan that really fits my needs. I intend to stay with Physicians Mutual. Thanks again.
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A company you can trust
Physicians Mutual
has a 95% customer satisfaction rating
Physicians Mutual® Customer Satisfaction Survey,
2022, conducted by Wiese Research Associates
Forbes names Physicians Mutual one of America’s Best Insurance Companies for 2023
“2023 America’s Best Insurance Company,” Forbes.com,
October 4, 2022. This rating is for our term and
permanent life insurance products.
by seeing a dentist in our network of over 600,000 provider locations.*
Additional resources
Learn more about preventive dental care, insurance vs. discount plans, dental insurance for seniors and more.