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Physicians Mutual Insurance CompanyHeadquarters
Reviews
This profile includes reviews for Physicians Mutual Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 62 Customer Reviews
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Review fromMary S
Date: 04/06/2025
1 starMary S
Date: 04/06/2025
Please – save your money. We enrolled in Physician Mutual’s dental coverage in March 2020 with the understanding that it would provide assistance for my husband’s necessary dental work. We waited the required two years before filing any claims, and during the insured period from 3/14/2020 to 7/24/2024, we paid a total of $2,590.75 in premiums. Additionally, we voluntarily increased our premiums twice to "increase benefits" as we expected more comprehensive coverage. Beginning in October of 2023, my husband then began extensive dental work to extract his remaining teeth (eight) with an oral surgeon and get fitted for dentures (with our regular dentist). Then, on the advice of our dentist, he underwent two implants (with the oral surgeon) in order to further secure the lower plate. The total cost of these procedures exceeded $13,300. We anticipated that the company would help cover a portion of these expenses, but to our disappointment, we received only $1,804.50 in benefits. Then, in December 2024, we were informed by the company that they had made an “overpayment” of $881.00 and demanded its return. While we understand this may be technically within their legal rights, it is deeply frustrating and unjust that we are left paying over $1,600 for coverage that, in the end, provided us with very little support. If I could have given them LESS than one star I would have.
Physicians Mutual Insurance Company
Date: 04/09/2025
Thank you for sharing your feedback. Although we cannot provide details in this response due to privacy reasons, we do want to acknowledge we received your letter and will review the matter. We will contact you directly. Thanks again for providing us with the opportunity to look into these concerning circumstances.Review fromBette H
Date: 03/28/2025
1 starBette H
Date: 03/28/2025
terrible company the employees give out incorrect information and lose paperwork. I sent a claim in by us mail and they claimed they did not receive then I emailed about 3 times before they acknowledged they received it. would never recommend this company to anyone.Physicians Mutual Insurance Company
Date: 04/04/2025
Thank you for your feedback. Given our proven track record of timely claim processing, we would like to better understand what happened. If claim information is mailed to an incorrect address, this delays the claim processing and makes it more difficult to determine the claim’s status. Please give us a call as we want to prevent this from occurring again.Review fromDawn H
Date: 02/28/2025
1 starDawn H
Date: 02/28/2025
Physician mutual auto renewal of dental policy wasn't authorized for 2025. My account was drafted 113.00 for ins. I didn't need. I provided proof of dental coverage, called my agent to cancel, signed forms to cancel. No refund. Please contact me Dawn HillPhysicians Mutual Insurance Company
Date: 03/05/2025
Dental coverage can be canceled by the policyowner at any time. Although we require a signed note to cancel a policy, a policyowner can stop automatic bank withdrawals by simply contacting us. We will gladly review our records if you submitted a signed note to cancel coverage. Based on the date of the signed cancellation, we will refund any unearned premiums. Please call us as we do not yet have sufficient information to locate coverage.Review fromBill M
Date: 02/20/2025
1 starBill M
Date: 02/20/2025
We had Physicians Mutual for a few years. Coverage was decent. Our new insurance covers dental, so we gave two months notice before the end of the year. They still debited two more times for about, $184.00. After calling them, and admitting we gave proper notice, and they made the error, they refuse to credit our account. Horrible, awful and disgusting behavior. PLEASE! DO NOT USE THEM.Physicians Mutual Insurance Company
Date: 02/24/2025
Our 95% Customer Satisfaction rating has been earned by taking care of our customers. We’d be glad to look into the matter you described. Our policyowners can call our customer service team and request that their policies be removed from automatic payments, which prevents future withdrawals. To cancel, we require a signed note. We look forward to your call to review this matter with you.Review fromBarb A
Date: 12/04/2024
1 starBarb A
Date: 12/04/2024
After spending 30 minutes with an agent filling out a Medicare Supplement, being told how great the Physicians Mutual Company is, and being excited about the premium quoted, my application was denied after asking health questions. Rules are Rules so I understand that this may happen. However, it is NOT okay to deny someone medical coverage and NOT tell them the reasons for the denial. Actually there was a way to get an anwer: complete the application and give them my BANKING information! WHAT???Physicians Mutual Insurance Company
Date: 12/06/2024
Thank you for considering Physicians Mutual for your insurance needs. For privacy reasons, we cannot fully discuss your experience in this reply. However, we can share that our Underwriting Department can provide any applicant an explanation for denied coverage. During the circumstances you described, the application had not yet been submitted to Underwriting. In fact, fully completed applications always receive a confirmation of coverage or an explanation for denial. Please give us a call if you have additional questions.Review fromJanet W
Date: 11/07/2024
1 starJanet W
Date: 11/07/2024
I asked for my insurance policy to be terminated for the cash value of $818. I tried several times to do so. I am disabled and almost 70 years old. I was sent another letter saying that they needed my signature to do so. I sent it to you. Your next response was it did not match my signature on file. You then changed my policy to a term policy because I could no longer pay for it. And I was told you were going to use the cash value until it was gone to pay the premiums even tho I asked for it to be cancelled. I was treated rudely. I have another life ins policy with another co and do not need this one. I was told I could cash it out for the $818. I tried to do that. Then my policy was changed to a term policy and told you were going to use the $818 to pay on it until 2029 when the $818 was used up..This is how you treat your disabled customers. I have never been questioned about my signature before in my life. My signature is my signature. It may have changed a little thru the years, but I am quite sure it was still readable. I am letting everyone in my family know about how I have been treated in Physicians Mutual Co. I have tried to cancel this ins, and you will not let me and are using the cash value until it is gone. I do not believe this is good business practices.i asked you to cancel policy and send me the $818 cash value. You now say it is a term policy and I can not cancel it. This is how you do business? I see others have same complaints.Physicians Mutual Insurance Company
Date: 11/12/2024
Thank you for your feedback. We apologize for any inconvenience experienced while processing your service request. Although we cannot share details for privacy reasons, it appears your review was posted after we had processed your transaction as you had requested. We believe matters are resolved but we welcome you to call to discuss or confirm if you would like.Review fromJudy B
Date: 08/22/2024
1 starJudy B
Date: 08/22/2024
I have called twice to this company to cancel my policy. They will not refund my August payment. They told me that unless I send them a cancelation letter that I will continue to receive a monthly bill and my payment due will continue to accumulate. I don't trust this company enough to send a letter not even a certified one. I have never come across a company that asks so much and puts out nothing. I would lie a refund for August 2024 and for them to not harrass me by sending out more bills.Physicians Mutual Insurance Company
Date: 08/26/2024
For our customers’ protection, we do require a signature to cancel most insurance policies. This prevents unintentional loss of coverage. However, we will gladly stop any automatic payments if a customer simply calls us and asks they be stopped. For regulatory reasons, we send a bill on a policy that is past due, but a customer can ignore the billing reminder if he or she is not interested in continuing coverage or sending a cancellation note. Once the final billing notice is sent, billing notices will discontinue as well. Physicians Mutual refunds all unearned premiums on canceled policies. If you have questions about your specific policy, please give us a call.Review fromBrian M
Date: 08/12/2024
2 starsBrian M
Date: 08/12/2024
Poor customer service. They do not send customers an explanation of benefits after work is done. You can telephone them and they will tell you verbally what was paid and what you still owe but no details of how those figures were arrived at. Pleasantly apologetic on telephone with a sort of "that's the way it is" attitude.Physicians Mutual Insurance Company
Date: 08/14/2024
An explanation of benefits (EOB) is sent for all claims submitted. If you need a duplicate EOB for a past claim or assistance interpreting the correspondence, please call us at 1-877-667-6187.Review fromJason W.
Date: 08/05/2024
1 starJason W.
Date: 08/05/2024
Be aware of th Premium dental policy plan from Physicians Mutual Insurance. They advertise "no deductibles, co-pays, or limits", but if you request a copy of their coverages in this plan they are atrocious. As an example, they will cover 100% of basic cleanings, but will only pay about $53.00 for a filling that can cost (in my area) $160 to $300,and $95 for a crown that costs about $1500, So, for approximately $600 in premiums you would receive about $148 to pay for procedures that cost about $1700. Furthermore, there is a 1 year waiting period for anything other that basic cleanings, and if you attempt to apply for their premium package, which will pay up to 70% of the procedural costs listed above, you will incur another 1 year waiting period. This company should be more upfront about what they cover in their premium plan.Physicians Mutual Insurance Company
Date: 08/12/2024
Thank you for your feedback. If you feel we have not paid benefits as stated in your policy, please contact us to discuss the matter further. We would appreciate the opportunity to review your coverage with you and revisit any claims in question.Review fromMichael M
Date: 07/25/2024
1 starMichael M
Date: 07/25/2024
They are absolute crap. I had extensive dental work done and they hardly covered anything that was in my policy, in fact don't believe their policies its a pack of lies. Have binned them! I HAD to give them a one star rating otherwise my comment could not be posted otherwise I would not have left any star rating.Physicians Mutual Insurance Company
Date: 07/26/2024
When seeing an in-network dental provider, Physicians Mutual dental coverage provides 100% coverage for preventive care and pays the benefit level selected for basic services immediately. Benefits for major services such as crowns, root canals, dentures, etc., are available after one year. The entire list of 400+ covered procedures is available to review in your policy and online at www.PhysiciansMutual.com. If you feel that a claim was not processed correctly, please contact us and we will gladly review it.
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