Physicians Mutual Insurance Company®

Get Affordable
Dental Insurance

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

I need dental insurance
 for an


 who lives in

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
$56.50per month
Pays
0%

Preventive Benefits:

Services like cleanings, exams and X-rays.

0%

Pays
0%

**

Basic Benefits:

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

0%

**

Pays
0%

**

Major Benefits:

Services like root canals, crowns and dentures.

0%

**

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

Preferred
$46.95per month
Pays
0%

Preventive Benefits:

Services like cleanings, exams and X-rays.

0%

Pays
0%

**

Basic Benefits:

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

0%

**

Pays
0%

**

Major Benefits:

Services like root canals, crowns and dentures.

0%

**

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

Standard
$38.75per month
Pays
0%

Preventive Benefits:

Services like cleanings, exams and X-rays.

0%

Pays
0%

**

Basic Benefits:

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

0%

**

Pays
0%

**

Major Benefits:

Services like root canals, crowns and dentures.

0%

**

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

Economy
$30.50per month
Pays
0%

Preventive Benefits:

Services like cleanings, exams and X-rays.

0%

Pays
0%

**

Basic Benefits:

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

0%

**

Pays
0%

**

Major Benefits:

Services like root canals, crowns and dentures.

0%

**

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

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

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!*

See how these
dental plans pay

Check 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.

Your out-of-pocket
cost in-network:
Premier
Pays 100%*
$0
Preferred
Pays 100%*
$0
Standard
Pays 100%*
$0
Economy
Pays 100%*
$0
* 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.
See more details:  
Covered procedures at a glance
This chart shows examples of some of the most-commonly used dental procedures and what percentage each plan covers when receiving care from an in-network provider.
 Covered procedureWaiting PeriodPremier Plan CoveragePreferred Plan CoverageStandard Plan CoverageEconomy Plan Coverage
CleaningsNone100%100%100%100%
Routine ExamsNone100%100%100%100%
Dental X-raysNone100%100%100%100%
Fillings for cavitiesNone70%55%40%25%
Minor oral surgery procedures and sedationNone70%55%40%25%
Simple tooth extractionsNone70%55%40%25%
Root canals12 months70%55%40%25%
Crowns12 months70%55%40%25%
Dentures12 months70%55%40%25%

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 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
pm_checklist_2
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!

Top frequently asked questions

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

See what others are saying ...

A company you can trust

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
$0
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 500,000 provider locations.*

Additional resources

Learn more about preventive dental care, insurance vs. discount plans, dental insurance for seniors and more.

Dental insurance for individuals or families
Read more …
Dental insurance vs. dental discount plans
Read more …
Dental insurance for seniors
Read more …
What is preventive dental care?
Read more …
Need to find a dentist?
Read more …
Dental insurance for individuals or families
Read more …
Dental insurance vs. dental discount plans
Read more …
Dental insurance for seniors
Read more …
What is preventive dental care?
Read more …
Need to find a dentist?
Read more …

*Savings based on similar dental product with the Ameritas Classic PPO Network. National averages are subject to change, March 2023.
**The 25%/40%/55% are averages of the maximum allowable charge. 70% is what we’ll pay of the maximum allowable charge.

Call us at
1-800-772-12751-800-772-1275
anytime for answers
to your questions