Physicians Mutual

Physicians Mutual offers a unique approach to dental insurance, often providing plans that function more like a fixed-benefit policy. This means they pay a set amount for specific procedures regardless of the dentist's fees, which can be a great advantage for those who want to see a specific dentist who might be out-of-network for other plans. They are particularly popular among seniors because their plans are easy to understand and do not have complex network restrictions. While they aren't a traditional PPO, they offer a level of freedom that many other insurance plans cannot match.