Physicians MutualReviews of physiciansmutual.com

I bought the top of the line dental insurance I went to one of there approved dentist. It was for X-rays and cleaning. This was supposed to be covered 100% After paying my premiums for 3 months. $60 a month. I had my dental visit. Turns out I still owe the dentist $160. So basically the insurance does nothing if you and my monthly payments and balance due. Definitely a scam and they should be sued in a class action lawsuit

Their premiums may be lower than others, but they must have high underwriting requirements, because thet denied me medigap coverage, even though I am quite healthy for my 81 age.

Buyer beware! We were advised that there were "100s" of dentists who were contracted with Physicians Mutual, and this was not true. We called several, and they had not heard of this insurance company. When I called Customer Service, they informed me to file my own claims as out-of-network providers, which pay a small fraction. When I asked to cancel my contract with them immediately, they continued to bill for 2 more months, stating that my premiums were "earned." We never filed a single claim, paid over $500 in premiums, and they would not return a single dollar. Providers told me to avoid this company.

They make you wait a year for coverage on a root canal procedure. They don't tell you that when you sign up. It's a rip off if you have to have an unexpected situation which is why you buy insurance. So beware before you buy. I got ripped.

I called to cancel my service as I'm a veteran and have found other providers that are less expensive. When I called, I was told that I needed to send them a signed letter to terminate the service. This is a pain to have to do to cancel my service.

When I signed up for the dental plan through Physicians Mutual I spoke with an agent & read off the medical insurance code for the periodontal maintenance procedure I get 3x a year. I asked the agent specifically if they cover this procedure and explained how important this procedure is to my dental health. Her reply was "yes, we will cover that for 3 times in a yearly cycle" for this plan. I was so excited and surprised, that I was looking forward to receiving the documents in the mail. Finally, a plan that will help me with my needs. The plan documents arrived and confirmed what the agent discussed with me, on the phone, so I signed up. Everything was going along well and now apparently the plan has been changed. How coincidental I never got any notification that the plan's benefits had changed. So now, I am left holding the bag so to speak. I will have to pay out of pocket. When I called into Physicians Mutual, today, the reps were trying to tell me they never covered that service more than 2x a year. Their year starts in September and ends in September, odd don't ya think. Oh, and how convenient I cannot access my policy online. You cannot even see the different policies they offer. Hmm..odd. I just got done speaking with my dentist and they confirmed that the plan paid for 3 perio. cleanings a year. They did find a claim that wasn't paid when it should have been. We will be reviewing the documents/previous claims together. Thank goodness my dentist is awesome. We will work something out. In the meantime I will be cancelling this policy ASAP. My mom, a senior citizen, inquired about their different policies a year ago and they still send her literature in the mail. What a waste of paper. So glad she never signed up! I wouldn't recommend them at all. Will be writing on any more literature that comes in the mail--RETURN TO SENDER!

After years of paying my premium, I had to have four crowns. They were $1350 each. Today I found out the claim was denied. Tomorrow I will cancel my policy. This company and dental insurance is a TOTAL SCAM. Not a single claim was ever paid.

Sounds great right!! Sure we have no this no that we cover everything!!’not!! If the dentist bills $1000 they pay $250, yea plus your insurance monthly fees!! Save your money in an account for dentil!! Their commercials run every week on tv ain’t free either