The Physicians Mutual family is here to help you make confident decisions about dental insurance, life insurance, supplemental medicare, retirement, and pet insurance. It’s what we’ve done for a long time. Since our humble beginnings around a kitchen table in 1902, we’ve never lost sight of what is truly important. That is, taking care of our customers like family. Empowering people like you — from all walks of life — to enjoy the financial security they deserve. That’s what Insurance for all of us is all about.
Physicians Mutual (physiciansmutual.com) has 207 customer reviews on Five Star Index, with an average rating of 3.6 out of 5.
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CR
Their service wasn't bad but what they covered was almost non-existent. When they went up 32% on my premium, I dropped them. Probably going to drop the dental portion as well. On an $1100 root canal they covered $125? I can put the $38/month in the bank and pay cash as I go. Dental pays worse than their medical supplement plan.
Rae M.
Didn't pay claims, very little while increasing monthly premium costs. Also, does not have silver sneekers.
Response from Physicians MutualOct 23, 2026
Thank you for your feedback. We’re sorry to hear that your coverage has not met your expectations. Please call us at 1-800-228-9100 so we can review your claims, discuss your premium concerns and clarify the benefits available under your policy. We appreciate the opportunity to assist you.
Scott D.
I was taken advantage of by the sale rep. When I first signed up for coverage from Physicians Mutual, I did not know there were other companies who MUST provide the SAME coverage with the SAME deductibles and cost $90 a month less. There is not a one time date. It has been for the entire 6 years I have been with Physicians Mutual. Your dental plan is one of the worst in the USA. Now, I am locked in for life with your company and paying an extra $1,080 a year that could be used for other necessities. Your copay at the start of the year is way too high. This started when I turned age 65, 7 years ago.
Response from Physicians MutualOct 23, 2026
We are sorry to hear of this situation and appreciate that you took the time to provide feedback. We recognize the importance of customers fully knowing and understanding the coverage benefits and options. Your privacy and security are very important to us, so we welcome you to call us at 1-800-228-9100 to discuss further.
KEMPER, BRETT E.
Need to be flexible in usage policy. My dentist want 3 visits a year and you only seem to pay for 2. Been a patient for 30+ years. Tend to follow dentis advice.
Response from Physicians MutualOct 23, 2026
Thank you for your feedback. We understand the importance of following your dentist’s recommendations. We value your input and appreciate you sharing how our coverage could better meet your needs.
Gaye H.
It is too expensive for what is covered.
Response from Physicians MutualOct 23, 2026
Thank you for providing feedback. We are sorry to hear that you are not satisfied with the coverage. Please call us at 1-800-228-9100 if we can ever be of assistance.
Chuck Graham S.
I had dental coverage for several years, I had automatic withdrawal for my monthly payment. In April, I had a cleaning which they covered, I had one cavity and it was fixed two weeks later and my claim was denied stating not covered for that period , even though I had automatic payment and several years of being a customer, it was denied no further explanation, so I canceled my insurance, very dissatisfied
Response from Physicians MutualOct 23, 2026
We are sorry to hear of this problem, and we would really like to assist you. Please call us at 1-800-228-9100 so we can help resolve your issue.
Jane M.
Raise dental rates all the time and do not cover very much
Response from Physicians MutualOct 14, 2026
A number of factors play into Dental insurance rate adjustments. Although no individual is singled out, age, rising health care costs, changes in payments and expected future claims expenses can be factors amongst others. For specific details on your policy, please contact us at 1-800-228-9100.
JOHN H.
On 6/25/26 I had 2 filling done the charge was 636.00 eligible charges were 449.00 they cover 174.00 and I had to pay 275.00 that’s about 40% this the worst Dental insurance I ever had.
