Physicians MutualReviews of physiciansmutual.com

Coverage is excellent on medical. Premiums seem to be above above average compared to others that companies that offer same product. Perscription copays are higher on some items versus Good Rx, Single Care, and other discount cards and that don’t seem right. I suppose it is just the “system”. A company selling pet insurance should be able to do better on their premiums for humans…🤑

I was reviewing the paperwork as I need dental insurance however I read through these reviews and decided it won't be Physicians Mutual.

I had their dental insurance plan for over eight years in North Carolina. It's a mixed bag with pros and cons. Pros-it covers implant-related procedures, has a 38% discount for in-network dentists and does direct reimbursement for out-of-network providers like dental schools. Cons-For NC and VA they never raise the reimbursements. So if you start with them paying $400 per crown then 8 years later you're stuck with the same reimbursement. This is very unfair because they do raise the monthly rate over time. Next they arbitrarily won't cover some procedures on some parts of the mouth. For example a procedure may be covered for the lower arch (jaw) but not the upper. Another con is that they don't offer a deductible-based plan so the costs are high relative to what you are getting. Overall their dental plan is ok if you self pay and have no other insurance and quit the plan to restart every few years otherwise it really is way overpriced. Another problem I had was with them giving lower reimbursements than a procedure should have gotten and I had to appeal to get it fixed. So they are basically money-grubbing.