Physicians MutualReviews of physiciansmutual.com

Response from Physicians MutualJan 26, 2026

For over 120 years, Physicians Mutual has focused on taking great care of customers earning us a 95% Customer Satisfaction Rating. We are sorry to hear we have not met your expectations. To address your specific claim concerns, we will need to work with you directly for privacy reasons. However, an explanation of general insurance operations may help address a few of your questions. Our Dental policies do not restrict customers to a network. However, we highly recommend network providers to be considered and used as customers realize an average savings of 36% in the billed amount when doing so. This limits your out of pocket expenses. However, Physicians Mutual pays up to the amount shown in the schedule of benefits whether you choose a network provider or not. If you feel we have made a mistake on the processing of a claim or have other questions, please call us.

Response from Physicians MutualJan 8, 2026

Thank you for your feedback. We would suggest a telephone call as there seems to be some confusion about your dental coverage as you mentioned paying “your deductible”. Fortunately, Physicians Mutual dental policies do not have a deductible. Also, we will gladly share explanation of claim benefits in writing. However, email is not secure so we would need to send correspondence via the postal service or provide it electronically through your secure online account. To optimize the value of policy benefits, please call one of our service experts. We can summarize the benefits available, share how to get free pretreatment estimates to eliminate any billing surprises, etc. We look forward to assisting you. Thank you for the follow up. To encourage unfiltered feedback from customers, no personal identifiers are required or attached to the comments you shared with us. Thus, we have not “identified” you or the coverage type you are referring to. We apologize for making the assumption that it was a dental policy you were referring to. That is the reason we requested you to call so that we would have the information necessary to directly address your questions based on your exact circumstances. Again, we have not identified you in your follow up as no personal identifiers have been provided nor would we share details publicly. We look forward to you calling, providing us the necessary information to identify you as the policy owner and then discussing matters distinctly as they relate to the coverage you have purchased opposed to us sharing generic provisions.

Response from Physicians MutualDec 23, 2025

For over 120 years, Physicians Mutual has focused on taking great care of customers earning us a 95% Customer Satisfaction Rating. We are sorry to hear we have not met your expectations. To address your specific claim concerns, we will need to work with you directly for privacy reasons. Please call us at 1-800-228-9100 and we would be happy to review coverage benefits.

Response from Physicians MutualDec 16, 2025

For privacy reasons, Physicians Mutual will not be able to address your individual circumstances in a publicly viewable reply. However, we would appreciate the opportunity to explain and assist you. We can be reached at 1-800-228-9100.

Response from Physicians MutualOct 27, 2025

Thank you for your feedback. Physicians Mutual partners with the Ameritas network which has over 600,000 provider locations. We invite you to visit our website and search for your specific provider. If your provider is not listed, simply enter your zip code to select from the many other participating providers in your area. Of course, customers do have the right to use an out-of-network provider but out-of-pocket expenses tend to be higher when doing so.

Response from Physicians MutualSep 2, 2025

Thank you for considering Physicians Mutual for your dental coverage. Our policies cover preventive and basic care immediately and have a 12-month waiting period for major services. We disclose this information in our marketing materials as well as our policies sent to policyowners. Even more, customers are given a 31-day right to examine the policy risk-free. Feel free to contact us if you need assistance.

Response from Physicians MutualAug 13, 2025

First, thank you for your service. To cancel, we do need a signed statement for your protection as well as ours. However, you are more than welcome to simply let the policy lapse and the coverage will terminate if sending a cancellation notice is inconvenient.

Response from Physicians MutualJul 9, 2025

For privacy reasons, Physicians Mutual will not be able to address your individual circumstances in a publicly viewable reply. However, we would appreciate the opportunity to explain and assist you. We can be reached at 1-800-228-9100.