Customer ReviewsforPhysicians Mutual Insurance Company

If the agent had told me the truth I would not have opened the policy!!! The agent told me they would help find a dentist that offered the services I need and they don't help at all with that what they do is send you a list that is worthless so far I have spent over 50 hours searching dentist on this list and the services they offer and it's been a huge waist of my time and money I've paid 13 months for this insurance have not been able to use it

Dental coverage with Physicians Mutual offers the flexibility of seeing any dentist you choose. To minimize out of pocket expenses for customers, we do recommend in-network providers where customers save an average of 36% on covered services. We can assist in locating in-network providers near you; however, your plan of care and the treatment/services you need remain decisions you and your selected provider decide on. The policy provides benefits for the 400+ covered procedures shown in schedule of benefits and can be viewed online at www.PhysiciansMutual.com.

My brother recently passed. I received a call from this company but when I called back - I got nothing but the runaround. I recently chatted and the guy "John W*****" just exited the conversation when I asked a question. When I called - the girl just hung up on me. I'm not sure how I find out anything about this but their customer service stinks.

Please accept our condolences on the loss of your brother. We are sorry you did not immediately receive the service you needed. Online Chat is a feature our Agents use. To get you to the customer service area, we needed to transfer your call. We apologize if you were disconnected during that effort. To quickly resolve the matter, simply call customer service directly at 1-800-228-9100.

I have had nothing but the run around from this company trying to set up dental insurance. I sent in a voided check for them to set up automatic bank payments. Then I was told that the bank denied this and I needed to call the bank. I called bank and they said they never received any notification for setting that up. I called Physicians Mutual again and spoke to a different person. Got another run around about how the bank has denied it. I explained everything to this woman and got nothing accomplished; GOT NOWHERE. I'm done. This is ridiculous. Signed, EXTREMELY FRUSTRATED. I will look into another company. I would like to leave zero stars.

Thanks for letting us know about your conversation with the bank. We cannot speak to your bank on your behalf without your permission, but we will gladly join you on a three-way call to resolve the matter. Simply call your bank and then bring us in to your conversation.

No thank you. I'm done. This started with a problem with my agent trying to set this up for me several months ago and has just progressed from there. There was NO REASON for the bank to deny the request. Something is wrong here ??.

I have been waiting for a refund for almost a month. I have tried to speak with someone and they keep saying it has been processed. Nothing yet and no one is helping.

Thank you for your feedback. We will look into this issue and address your concerns.

I’m simply called for quote and decided that it was too expensive for me. Now, this company will not stop emailing me, and mailing me advertisements. They are relentless and so annoying! I had to block their emails and then the mailings began. I just want them to go away! I am reading the reviews and it appears that I dodged a bullet. So many 1 & 2 stars. They must rrrrreally suck!

Thank you for contacting Physicians Mutual Insurance Company regarding your insurance needs. As requested, we will gladly remove you from all future contact points. However, we do need you to share what email address, physical address, etc. is being used to ensure removal. As a company that holds a 95% Customer Satisfaction Rating and has been in business for over 120 years, we understand the importance of taking care of our customers as well as those who are not. We look forward to receiving the needed information from you to address your concern.

It’s nearly impossible to cancel this dam policy! I have to snail mail a letter which I did but still no reply to cancel

To prevent unintentional loss of valuable coverage, we request customers send cancellations in writing. However, if customers do not want to send a signed note to cancel, they can simply stop making premium payments and their policy will lapse.

I've had dental insurance through these crooks for almost 10 years, and each time I attempt to use it, I am told they underpaid what they said they would or weren't communicating with my dentist. I was sold their fraudulent insurance with the assurance I could use it "anywhere", and when 4 dental offices either had issues getting payment from them or couldn't get anything, I finally went to their network list and found a good office nearby. After my first several visits, even this office told me there were multiple issues with this company getting back to them, paying the claims, etc. I have paid nearly 4 grand in monthly payments to these criminals, and more than that to the offices they've been shorting. Whenever I try to cancel my policy, they tell me I need to "fax" a confirmation of cancellation. I don't own a fax machine, who does anymore? I haven't used anywhere near the amount I paid into them despite my best efforts, and I've been denied emergency dental care so many times due to this company. I have a mind to sue for the years of dental pain I've had to endure because of your inability to keep good rapport with your clients and your network!

For over 120 years, Physicians Mutual has focused on taking great care of customers, earning us a 95% Customer Satisfaction Rating. We are sorry to hear we have not met your expectations. To address your specific claim concerns, we will need to work with you directly for privacy reasons; however, an explanation of general insurance operations may help address a few of your questions. Our dental policies do not restrict customers to a network. Instead, we highly recommend considering and using network providers, as customers realize an average savings of 36% in the billed amount when doing so. This limits your out of pocket expenses. However, Physicians Mutual pays up to the amount shown in the schedule of benefits whether you choose a network provider or not. Many providers will file claims for you, though you can also file claims directly with us. To protect customers from unintended loss of coverage, we do ask for a signed cancellation request. However, we will gladly stop any automated premium withdrawals with a simple telephone call or notification. If you choose, the policy can be allowed to lapse with no other action needed. If you feel we have made a mistake on the processing of a claim or have other questions, please call us.