Physicians Mutual Insurance Company®
Help protect your smile and your health with affordable dental insurance that helps cover over 400 procedures — from routine exams to fillings to crowns — and even dentures.
With this dental insurance, you'll have no annual maximum on the cash benefits you can receive — and no deductible. Plus, you'll have benefits for preventive care right away!
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Dental Plans
All three plans — Preferred Plus, Standard Plus and Economy Plus — help pay for the same 400+ procedures. The only difference is how much each one pays.
How the Preferred Plus plan pays
This example shows benefits for the average cost for a routine exam, cleaning and X-rays.
cost with Preferred Plus plan
This example shows benefits for the average cost for a routine exam, cleaning, two X-rays, problem-focus exam, root canal and crown.
cost with Preferred Plus plan
Preventive benefits begin immediately, Basic benefits start after 3 months, and Major benefits start after 12 months.
We will not pay more than the actual charge of a procedure.
Plus, your dental visits can be even more affordable!
You can save even more — an average of 36%* on covered services —
by seeing a dentist in our network of over 500,000 provider locations.
Coverage Details
Preventive benefits
Start immediately
This coverage helps pay for over 30 preventive services right away.
Covered preventive services include:
- Cleanings
- Routine and comprehensive exams
- Dental X-rays
- Professional dental cleanings
- And more
Basic benefits
Start after 3 months
Helps pay your bills for over 100 basic dental services.
Covered basic services include:
- Fillings for cavities
- Minor oral surgery procedures and sedation
- Repair or replacement of denture clasp
- Simple tooth extractions
- And more
Major benefits
Start after 12 months
When you need expensive treatment, you can collect benefits for over 200 major services.
Covered major services include:
- Root canals and crowns
- Artificial teeth used in bridges
- Partial & full dentures
- Surgical tooth extractions
- Adding a tooth to an existing partial denture
- And more
Find a Dentist
With this dental insurance, you can go to any dentist you want. Plus, you can save money when you see a dentist in our network — one of the largest in the nation!*
Over 400 covered procedures
This affordable dental coverage helps pay for over 400 covered procedures — from cleanings and fillings to crowns and dentures.
Help protect your eyes, too.
Want to add optional vision benefits to your dental coverage? It’s easy!
I absolutely love my dental insurance through Physicians Mutual Insurance Company. I had no problems with it. My dental office files the claims, leaving me with very little balance to pay. I would not have any dental care without it.
Additional resources
*Includes the Participating Providers and Preventive Benefits Rider. National averages are subject to change, January 2020