Insurance Companies
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 63 Customer Reviews
Want to share your experience?
Leave a ReviewReview Details
Review fromGypsy M
Date: 07/17/2025
4 starsOverall, a solid insurance provider with a few areas for improvement. Customer service reps are friendly and knowledgeable—they walked me through policy options clearly and were quick to answer questions. Claims processing was smooth and timely. The only downside was navigating the online portal—it could be more intuitive and faster. That said, I feel confident in the coverage and support I receive.
Physicians Mutual Insurance Company
Date: 07/23/2025
Thank you for your feedback. We appreciate the positive comments, as well as your suggestions for improvement. We will share your feedback with the department leaders.Review fromWade T
Date: 07/16/2025
2 starsOverall we have a decent dental plan with a decent vision rider attached.
On the claims side, even when our dentist provided the correct documents and made phone calls to PM our dentist gave up and ate $104 because they were tired of dealing with them.
On the vision rider, I have submitted my wife’s claim 3 times and mine twice. Upon calling they determined they had made a mistake on there end resulting in resubmission of form.
Claims are a pain.Physicians Mutual Insurance Company
Date: 07/18/2025
Thank you for your feedback. We are sorry to hear your claim experience was not a smooth process. We are passing the information you provided along to our Claim Manager for review. Although your experience is not typical, our goal is to make insurance as simple as possible, and we appreciate the opportunity to look into this.Review fromLesley R
Date: 07/06/2025
1 starI didn't realize my life insurance lapsed and ultimately ended up canceled after I'd been a customer for years. I reapplied and they denied me for the same health issue I had when I first applied with them years ago. Do not recommend.Physicians Mutual Insurance Company
Date: 07/09/2025
Thank you for contacting us. If you have questions regarding your recent application, please call us at 1-800-228-9100.Review fromJoy G
Date: 05/29/2025
1 starPhysicians Mutual was misrepresented to me, and I decided/ was excited to purchase the policy. I waited the full year to qualify for the higher coverage for the work I needed to have done. I was also told that there was no limit on the
work that needed to be done--Again MISREPRESENTED. I consider their misrepresentation to be fraudulent. I requested the monthly payments I have
dutifully been making...and have not had any coverage.Physicians Mutual Insurance Company
Date: 06/03/2025
Thank you for your feedback. We are sorry to hear you are not satisfied with your coverage. Please call us if you feel your policy provides a benefit we have not processed correctly.Review fromGene C
Date: 05/01/2025
1 starShocked and disappointed when I was told the Physician's Mutual Dental Coverage I had for almost 2 years would not pay for a visit and x-ray ($386). I had a cleaning in November, 2024 and my dentist did a quick exam after. I then in April, 2025 started experiencing pain and went back to my dentist for help and he did x-ray and said I needed a root-canal. He referred me to a dentist in Lexington, Ky. When I got there, I was told my insurance would not pay unless I was there because of an accident. I called Physician's Mutual and they said I was only allowed two exams in a year. So, if you get a cleaning, then they have structured their policy so that if you have a problem, you will not be insured. Something needs to be done about this.Review fromMary S
Date: 04/06/2025
1 starPlease – 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 starterrible 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 starPhysician 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 starWe 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 starAfter 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.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.