Physicians Mutual offers three dental insurance plans, the Economy, Standard and Preferred options, that help individuals pay for approximately 300 covered procedures, according to Physicians Mutual. The company offers plans for individuals, as well as a husband and wife plan, a one-parent plan and an all-family plan.
Each plan covers a certain portion of services, with the Preferred option providing the most financial assistance for procedures and services, and the Standard option covering approximately 30 percent more of the costs than the Economy option, details Physicians Mutual. For example, as of 2015, for a routine exam, cleaning and X-rays, the Economy option covers $62 of the costs, while the Standard option covers $85, and the Preferred option covers $109.
Each dental insurance plan covers approximately 30 preventative services, approximately 100 basic care services, such as resin fillings and simple tooth extraction, and approximately 200 major care services, such as root canals and crowns, states Physicians Mutual. Coverage for preventative care begins immediately, while coverage for basic care begins after three months and coverage for major care starts after 12 months.
An individual can visit the dentist of his choosing for all procedures and services, according to Physicians Mutual. There is also no annual limit on services, nor is there a maximum amount of cash benefits for individuals.