Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner Since 1902
Founded in 1902, Physicians Mutual has built a legacy of providing reliable insurance solutions tailored to diverse needs. Our commitment to customer satisfaction is reflected in our 95% satisfaction rating from a 2022 Wiese Research Associates survey. We specialize in dental, life, Medicare Supplement, and pet insurance, designed to protect individuals and families across the United States. Backed by an A (Excellent) financial strength rating from A.M. Best, we prioritize transparency, affordability, and personalized service. Our exclusive offerings, such as Innovative Plan G and the second-chance guarantee, ensure flexibility and long-term savings.With over 120 years of experience, we empower customers to make confident decisions about their health and financial futures. Our dedicated agents provide 24/7 support, guiding clients through policy selection and management. Through the Community Hub newsletter, we share valuable health and wellness insights to enhance our customers' quality of life. Our nationwide network of providers ensures accessibility and convenience for policyholders. Trust in our enduring reputation and customer-first approach to safeguard your well-being and peace of mind.
Services
Dental Insurance
Life Insurance
Medicare Supplement
Pet Insurance
Preventive Care
Funeral Preplanning
Details
- Year established: 1902
Highlights and features
- We maintain a 95% customer satisfaction rating from 2022 Wiese Research Associates survey
- Our A (Excellent) financial strength rating from A.M. Best ensures reliability
- Exclusive Innovative Plan G offers lifetime premium savings
- 24/7 customer service available through dedicated support channels
- Second-chance guarantee allows plan changes within first two years
Associations and certifications
- A.M. Best
What people say
Great service
Smart choice
95% satisfaction
Trusted provider
Financial stability
Services
Dental Insurance
Our dental insurance provides comprehensive coverage for preventive care, major procedures, and emergency treatments. Policyholders can access any dentist or save more through our network of 600,000+ providers. With no waiting periods for preventive services and coverage for routine exams, fillings, and extractions, we help maintain optimal oral health while managing costs effectively.
Medicare Supplement
Designed to cover out-of-pocket Medicare costs, our Medigap plans offer financial protection against hospital stays, skilled nursing care, and medical emergencies. The exclusive Innovative Plan G provides deductible-free coverage after three years while maintaining premium savings. Our second-chance guarantee allows policy adjustments within the first two years without health questions.
Life Insurance
We offer term life insurance policies that provide financial security for loved ones through death benefit payouts. Our plans include options for children's coverage and retirement planning strategies. With flexible premium structures and guaranteed insurability riders, we help protect families' financial futures while offering cash value accumulation opportunities in select policies.
Pet Insurance
Our pet insurance covers unexpected veterinary expenses for dogs and cats, including accidents, illnesses, and chronic conditions. The plans reimburse for diagnostic tests, surgeries, medications, and specialist care. With customizable coverage levels and no lifetime payout limits, we help pet owners provide quality care while managing veterinary costs effectively.
Preventive Care
Preventive care benefits cover routine health screenings, immunizations, and physical exams not fully covered by Medicare. Our plans reimburse for cancer screenings, cardiovascular tests, and diabetes management. With no out-of-pocket costs for covered preventive services, we promote early detection and proactive health management to reduce long-term medical expenses.
People
Florence A.
Longtime Policyholder
Member of Physicians Mutual family since 2000, Florence has relied on our insurance solutions for over two decades, demonstrating trust in our consistent service quality and coverage reliability.
Questions
What insurance products does Physicians Mutual offer?
We provide dental insurance, life insurance, Medicare Supplement plans, pet insurance, and preventive care coverage through our affiliated companies.
How can I manage my policy online?
Through My Account portal, you can view claims status, make payments, upload dental pretreatment requests, and access policy documents 24/7.
Do you offer discounts on insurance premiums?
Yes, we provide a 10% household discount for policies covering multiple family members aged 60+ and lifetime savings through Innovative Plan G.
What financial strength ratings do you hold?
A.M. Best rates both Physicians Mutual Company and Physicians Life Insurance Company A (Excellent) for financial strength as of October 2024.
Can I change my Medicare Supplement plan?
New customers have a second-chance guarantee to switch plans once within the first two years without health questions.
How do I find in-network dental providers?
Use our online Find a Dentist tool to locate any of the 600,000+ participating providers in our nationwide network for maximum savings.
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