Physical Mutual Dental Insurance: The Ultimate Solution for Your Dental Needs

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If you’re looking for an affordable and comprehensive dental insurance plan, Physical Mutual Dental Insurance might just be what you need. Founded in 1928, Physical Mutual Dental Insurance is one of the most trusted dental insurance providers in the United States. With more than 90 years of experience, Physical Mutual Dental Insurance offers a wide range of dental insurance plans to meet the different needs of individuals, families, and groups.

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Why Choose Physical Mutual Dental Insurance?

Physical Mutual Dental Insurance offers a variety of dental insurance plans that are affordable, flexible, and customizable. Here are some reasons why you should choose Physical Mutual Dental Insurance:

Extensive Coverage

Physical Mutual Dental Insurance provides extensive coverage for a wide range of dental procedures, including preventative, restorative, and orthodontic treatments. With Physical Mutual Dental Insurance, you can get coverage for routine cleanings, fillings, extractions, root canals, crowns, bridges, dentures, braces, and more. Depending on the plan you choose, you may also get coverage for cosmetic dental procedures such as teeth whitening and veneers.

Affordable Premiums

Physical Mutual Dental Insurance plans are designed to be affordable for individuals and families. The premiums are competitive and can fit within your budget. You can choose from a wide range of plans, depending on your dental needs and budget. Some plans offer a higher level of coverage for a higher premium, while others offer basic coverage at a lower premium.

No Waiting Periods

Physical Mutual Dental Insurance has no waiting periods for preventative and diagnostic services. This means that you can get coverage for routine cleanings and exams from day one. For restorative and major services, there may be a waiting period of 6 to 12 months, depending on the plan you choose. However, if you have had continuous dental coverage, Physical Mutual Dental Insurance may waive the waiting period.

No Deductibles

Physical Mutual Dental Insurance has no deductibles, which means that you don’t have to pay anything out of pocket before your insurance kicks in. This is great news for those who need frequent dental procedures or have a family with multiple members who need dental care.

24/7 Customer Support

Physical Mutual Dental Insurance provides 24/7 customer support to its members. If you have any questions or concerns about your plan, you can call their toll-free number and get assistance from a customer service representative.

Physical Mutual Dental Insurance Plans

Physical Mutual Dental Insurance offers a variety of dental insurance plans to meet different needs and budgets. Here are the plans that Physical Mutual Dental Insurance currently offers:

Plan Name
Coverage Type
Premium
Basic
Preventative and diagnostic services
$10.99/month
Intermediate
Basic services plus restorative services
$25.99/month
Comprehensive
Basic and intermediate services plus major services
$49.99/month

Basic Plan

The Basic plan is the most affordable plan that Physical Mutual Dental Insurance offers. It provides coverage for routine cleanings, exams, and x-rays. It also covers basic services such as fillings, extractions, and emergency care.

Intermediate Plan

The Intermediate plan offers basic coverage plus coverage for more extensive restorative services such as crowns, bridges, and dentures. It also covers orthodontic treatments such as braces.

Comprehensive Plan

The Comprehensive plan provides the highest level of coverage. It covers basic, intermediate, and major services such as oral surgery, root canals, and implants. It also covers cosmetic dental procedures such as teeth whitening and veneers.

FAQ: Frequently Asked Questions

1. Does Physical Mutual Dental Insurance cover orthodontic treatments?

Yes, Physical Mutual Dental Insurance covers orthodontic treatments such as braces. The coverage varies depending on the plan you choose.

2. Does Physical Mutual Dental Insurance have any waiting periods?

Physical Mutual Dental Insurance has no waiting periods for preventative and diagnostic services. For restorative and major services, there may be a waiting period of 6 to 12 months, depending on the plan you choose.

3. Does Physical Mutual Dental Insurance have a network of dentists?

Yes, Physical Mutual Dental Insurance has a network of dentists. However, you can also choose to see a dentist who is not in the network. If you see a dentist who is not in the network, you may have to pay more out of pocket.

4. Can I get coverage for cosmetic dental procedures?

Yes, some Physical Mutual Dental Insurance plans provide coverage for cosmetic dental procedures. However, the coverage can vary depending on the plan you choose.

5. How do I enroll in Physical Mutual Dental Insurance?

You can enroll in Physical Mutual Dental Insurance by visiting their website or calling their toll-free number. You can also get a quote online to compare plans and premiums.

Conclusion

If you’re looking for an affordable and comprehensive dental insurance plan, Physical Mutual Dental Insurance is a great option to consider. With their extensive coverage, affordable premiums, and no waiting periods or deductibles, you can get the dental care you need without breaking the bank. Choose from their Basic, Intermediate, or Comprehensive plans to meet your dental needs and budget. Enroll today and enjoy 24/7 customer support and peace of mind knowing that your dental care is covered.

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