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Get Affordable
Dental Insurance

Four plans, four ways to save

Whether you’re looking for an option to help offset occasional costs or something with more coverage, we’ve got a plan for you.

No deductible, no annual maximum on cash benefits

100% coverage for preventive care when you see an in-network provider

36%* savings when you use an in-network dentist

All four plans help cover the same 400 procedures

Preventive Benefits:

Services like cleanings, exams and X-rays.

Basic Benefits:

Services like fillings, simple tooth extractions and minor oral surgery.

Major Benefits:

Services like root canals, crowns and dentures.

Premier

Closest plan to a traditional employer-provided plan and has maximum benefits.

Preferred

Substantial plan with more benefits and more coverage at a great rate.

Standard

Cost-effective plan if you don’t anticipate big dental expenses in the future.

Economy

Budget-friendly plan that pays a set amount for basic and major services.

Premiums quoted include Automatic Bank Withdrawal discount.

Percentages above reflect what we’ll pay if you receive care from an in-network provider.

Find a dentist near youWith 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!*See how these
dental plans payCheck out the three examples to see how these plans can pay benefits for your dental care.

Example of Preventative Care:
You go in for a routine exam, cleaning and four X-rays.

* Each plan pays 100% for preventive services when you see an in-network provider.

The numbers above are based on actual Physicians Mutual claims experience and national averages of the maximum allowable charge.

Example of Basic Care:
You’re at a regular checkup and your dentist says you need two cavities filled.

* 70% is what we’ll pay of the maximum allowable charge.

The numbers above are based on actual Physicians Mutual claims experience and national averages of the maximum allowable charge.

Example of Major Care:
At a routine checkup, your dentist says you need a root canal and a crown on a molar.

* 70% is what we’ll pay of the maximum allowable charge.

The numbers above are based on actual Physicians Mutual claims experience and national averages of the maximum allowable charge.

100% coverage for preventive care is only available when you see an in-network dentist.
The 25%/40%/55% are averages of the maximum allowable charge. 70% is what we’ll pay of the maximum allowable charge.

Coverage detailsAll of our plans help pay for the same 400+ covered procedures. The only difference is how much each one pays. You have no deductible and no annual maximum on the amount of cash benefits you can receive.

Preventive benefits

Start immediately

This coverage pays 100% for over 40 preventive services right away when you stay in network.

Covered preventive services include:

Cleanings
Routine and comprehensive exams
Dental X-rays
Professional dental cleanings
And more

Basic benefits

Start immediately

Helps pay your bills for over 130 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 270 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

Over 400 covered procedures

This Affordable dental coverage helps pay for over 400 covered procedures — from cleanings and fillings to crowns and dentures.

See Covered ProceduresVision & hearing, tooWant to help protect your eyes and ears by adding optional vision and hearing benefits to your dental coverage? It’s easy!

Physicians Mutual
has a 95% customer satisfaction rating

Physicians Mutual® Customer Satisfaction Survey,
2022, conducted by Wiese Research Associates

Forbes names Physicians Mutual one of America’s Best Insurance Companies for 2023

“2023 America’s Best Insurance Company,” Forbes.com,
October 4, 2022. This rating is for our term and
permanent life insurance products.

Customers have saved over

by seeing a network dentist*

You too can save more money — an average of 36% on covered services —
by seeing a dentist in our network of over 600,000 provider locations.*

Get Affordable
Dental Insurance

Four plans, four ways to save

Whether you’re looking for an option to help offset occasional costs or something with more coverage, we’ve got a plan for you.

No deductible, no annual maximum on cash benefits

100% coverage for preventive care when you see an in-network provider

36%* savings when you use an in-network dentist

All four plans help cover the same 400 procedures

Let's get started

Find a dentist near you

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!*

Coverage details

All of our plans help pay for the same 400+ covered procedures. The only difference is how much each one pays. You have no deductible and no annual maximum on the amount of cash benefits you can receive.

Preventive benefits

Start immediately

This coverage pays 100% for over 40 preventive services right away when you stay in network.

Covered preventive services include:

Cleanings
Routine and comprehensive exams
Dental X-rays
Professional dental cleanings
And more

Basic benefits

Start immediately

Helps pay your bills for over 130 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 270 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

Over 400 covered procedures

This Affordable dental coverage helps pay for over 400 covered procedures — from cleanings and fillings to crowns and dentures.

See Covered Procedures

Vision & hearing, too

Want to help protect your eyes and ears by adding optional vision and hearing benefits to your dental coverage? It’s easy!

31-Day Money-Back Guarantee

If you’re not completely satisfied with your policy, just return it within 31 days for a full refund. No questions asked!

Our dental customers say it best

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.

Dorothy P., Tennessee
Member of our family since 2009

I am always pleased that Physicians Mutual lives up to the standard that I expect — like paying for a portion of my dental expenses! If I did not have Physicians Mutual dental, I would not be able to care for my teeth in the way I have become accustomed. Thank you so much!

Cheryl A., Michigan
Member of our family since 2017

Thank you! I’m so glad I decided to get dental coverage through you once again. My customer service representative was very knowledgeable and helped me get a dental plan that really fits my needs. I intend to stay with Physicians Mutual. Thanks again.

Momi S.
Member of our family since 2013

See what others are saying ...