Scott C.
Awful experience.
I don’t even know what their service is like cause I haven’t used them yet. Even paying for over 2 years just to have dental insurance. I set up recurring payments - they never take out the payment then cancel my insurance twice. Not notification that payment failed, not notification from my bank, and funds were always in my account. So I learned, don’t rely on the auto payment always check. Lo and behold, no payment draft, and account past due days threatening to cancel. I then make a manual payment. Twice in a row the charged me twice. The first time I shrugged it off as being paid two months ahead. But then the next time this happened they showed no record of double payment. And they were showing no payment and no auto draft. Again, plenty of funds in the account. They again charged me twice. I got sick of this and they made me send bank records and a letter. They sent a check for over payment. Here I am again, account showing past due on my due date no payment drafted. I am sick of this company, and for this alone, I’m cancelling. Disgusting service and treatment for someone actually paying their bill and have no claims! I kept it so I don’t have to start a new waiting period with a new provider but at this point I don’t care.
Response from Physicians MutualJan 22, 2026
We are sorry to hear you plan on canceling your dental coverage with Physicians Mutual. Although we are not able to provide specifics in this response for privacy reasons, here is some general feedback that pertains to all dental coverage: • If a payment is declined by a financial institution notification is mailed and a bill is sent. • If a payment was missed or returned and the premium is past due, no premium payment is necessary if you are canceling the coverage. Coverage would simply stop once the policy lapses. • To cancel the coverage, a signed statement is required. Otherwise, the policy will lapse when payments aren’t received. If you choose to let it lapse, simply disregard any late notices that are sent. For additional questions, please contact us at 1-800-228-9100.