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Physicians Mutual Insurance Company®

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java script on. ****


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.

pm_checkmark_rounded

No deductible, no annual maximum on cash benefits


pm_checkmark_rounded

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


pm_checkmark_rounded

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


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.

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.

* 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 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!

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.

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.*


GET AFFORDABLE
DENTAL INSURANCE

pm_tooth_shield


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.

pm_checkmark_rounded

No deductible, no annual maximum on cash benefits


pm_checkmark_rounded

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


pm_checkmark_rounded

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




LET'S GET STARTED

I need dental insurance
for an
individual
Plan Type
 * doneSelected value:
   individual
 * done
   individual/spouse/domestic partner
 * done
   one-parent
 * done
   all-family
   
   


who lives in California


Quick Linkskeyboard_arrow_up
pm_apple_stemGet a Dental Quote pm_smartphoneCall Us
Nowpm_magnifying_glass_2Find a Dentist
Request an Info Kit
 Email my quote
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
Apply Now
Pays
100%




Pays Preventive
Benefits:
100%




Pays
70%

**


Pays Basic
Benefits:
70%

**


Pays
70%

**


Pays Major
Benefits:
70%

**



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

Email These Quotes
Preferred
$46.95per month
Apply Now
Pays
100%




Pays Preventive
Benefits:
100%




Pays
55%

**


Pays Basic
Benefits:
55%

**


Pays
55%

**


Pays Major
Benefits:
55%

**



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

Email These Quotes
Standard
$38.75per month
Apply Now
Pays
100%




Pays Preventive
Benefits:
100%




Pays
40%

**


Pays Basic
Benefits:
40%

**


Pays
40%

**


Pays Major
Benefits:
40%

**



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

Email These Quotes
Economy
$30.50per month
Apply Now
Pays
100%




Pays Preventive
Benefits:
100%




Pays
25%

**


Pays Basic
Benefits:
25%

**


Pays
25%

**


Pays Major
Benefits:
25%

**



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

Email These Quotes
keyboard_arrow_leftkeyboard_arrow_right

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!*
Search for a Dentist


SEE HOW THESE
DENTAL PLANS PAY



Check out the three examples to see how these plans can pay benefits for your
dental care.

See exampleskeyboard_arrow_down
ExamFillingsRoot Canal

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.
Hide more details:   Covered procedures overview chartkeyboard_arrow_up
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
Coveragepm_checkmark_roundedCleaningsNone100%100%100%100%pm_checkmark_roundedRoutine
ExamsNone100%100%100%100%pm_checkmark_roundedDental
X-raysNone100%100%100%100%pm_checkmark_roundedFillings for
cavitiesNone70%55%40%25%pm_checkmark_roundedMinor oral surgery procedures and
sedationNone70%55%40%25%pm_checkmark_roundedSimple tooth
extractionsNone70%55%40%25%pm_checkmark_roundedRoot canals12
months70%55%40%25%pm_checkmark_roundedCrowns12
months70%55%40%25%pm_checkmark_roundedDentures12 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.

See what's coveredkeyboard_arrow_down

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

Get Your Quote Now
See Examples
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!
Vision and Hearing


TOP FREQUENTLY ASKED QUESTIONS

arrow_rightHow does this dental insurance work?
arrow_rightDo you have a satisfaction guarantee?
arrow_rightCan I keep my dentist?
View all FAQs
pm_smartphone_left
Get Coverage Now
pm_tooth Send an Info Kit

Call us at

1-800-772-13691-800-772-1369

anytime for answers
to your questions

Our dental customers say it best


Slide 1 of 3
pm_quote_openpm_quote_open

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.

pm_quote_closepm_quote_close

Dorothy P., Tennessee
Member of our family since 2009

Slide 2 of 3
pm_quote_openpm_quote_open

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!

pm_quote_closepm_quote_close

Cheryl A., Michigan
Member of our family since 2017

Slide 3 of 3
pm_quote_openpm_quote_open

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.

pm_quote_closepm_quote_close

Momi S.
Member of our family since 2013

See what others are saying ...

keyboard_arrow_leftkeyboard_arrow_right


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


   
 * What is preventive dental care?
 * Dental insurance vs. dental discount plans
 * Dental insurance for seniors
 * Dental insurance for individuals or families

*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.



PHYSICIANS MUTUAL INSURANCE COMPANY
DENTAL INSURANCE DISCLOSURE INFORMATION

Coverage, the Vision and Hearing Benefit Rider, and offer may not be available
in all states. Premiums are based upon coverage available in your state. Please
contact us to see what coverage may be available in your area.

Your acceptance is guaranteed for one certificate/insurance policy of this type.
Waiting periods include:

 * Preventive care (Type I) and Basic care (Type II): no waiting period;
   benefits begin immediately
 * Major care (Type III): benefits begin after 12 months.

“Medicare & You”, Centers for Medicaid & Medicare Services 2022.

Network discounts are subject to change.

Series: Series: C254/B465 (In PA: C254PA); P154/B469 (In FL: P154FL/B469FL; In
GA: P154GA; In OK: P154OK; In TN: P154TN; In TX: P154TX/B469TX)



DNTL_MDL_LI03_0822

What we offer
 * Dental Insurance
   
 * Life Insurance
   
 * Medicare Supplement
 * Pet Insurance
   

Who we are
 * About Us
 * Careers
 * Community Hub

Customer Service
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 * Dental Insurance FAQs
   
 * Medicare Supplement FAQs

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© Physicians Mutual®, 2002-2024. All Rights Reserved.

Physicians Mutual Insurance Company offers reliable dental, supplemental health
and pet insurance.

Physicians Life Insurance Company provides important life insurance and Medicare
Supplement insurance policies.

2600 Dodge Street, Omaha, Nebraska 68131



DNTL_PAG_LP02_0423

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