Customer ReviewsforPhysicians Mutual Insurance Company

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.