Affordable Dental Insurance & Free Dental Info Kit | Physicians Mutual
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Physicians Mutual Insurance Company®

Get Affordable
Dental Insurance

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

Let's get started

I need dental insurance
for an

 who lives in

Find a dentist near you

With this dental insurance, you can go to any dentist you want. Plus, you can save money when you see a dentist in our network — one of the largest in the nation!*

Coverage details

All of our plans help pay for the same 400+ covered procedures. The only difference is how much each one pays. You have no deductible and no annual maximum on the amount of cash benefits you can receive.

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
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Over 400 covered procedures
This Affordable dental coverage helps pay for over 400 covered procedures — from cleanings and fillings to crowns and dentures.
See Covered Procedures

Vision & hearing, too

Want to help protect your eyes and ears by adding optional vision and hearing benefits to your dental coverage? It’s easy!

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*

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.*

31-Day Money-Back Guarantee

If you’re not completely satisfied with your policy, just return it within 31 days for a full refund. No questions asked!

Our dental customers say it best

See what others are saying ...

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.

Customers have saved over
$0
by seeing a network dentist*
You too can save more money — an average of 40% on covered services —
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.

Dental insurance for individuals or families
Read more …
Dental insurance vs. dental discount plans
Read more …
Dental insurance for seniors
Read more …
What is preventive dental care?
Read more …
Need to find a dentist?
Read more …
Dental insurance for individuals or families
Read more …
Dental insurance vs. dental discount plans
Read more …
Dental insurance for seniors
Read more …
What is preventive dental care?
Read more …
Need to find a dentist?
Read more …
*National averages are subject to change, March 2025.
Call us at
1-800-228-91001-800-228-9100
anytime for answers
to your questions