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Dental care
Physicians Mutual

Dental Plans

Four plans to fit every budget. All with no deductibles, no annual maximums, and 400+ covered procedures.

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400+ Procedures

From preventive cleanings to major services like crowns, bridges, and dentures — all covered.

$0

No Deductibles

Zero out-of-pocket costs before your benefits kick in. Coverage starts working for you immediately.

No Annual Maximum

No cap on the cash benefits you can receive each year. Get the care you need without limits.

Find Your Perfect Plan

Each plan covers the same 400+ procedures — the only difference is how much each one pays.

Features Economy Plus Standard Plus Most Popular
Preferred Plus
Premier
Monthly Premium
Starting At $30/mo $38/mo $55/mo
Coverage Levels
Preventive Services (40+ procedures) 100% 100% 100%
Basic Services (130+ procedures) ~25% ~40% 70%
Major Services (270+ procedures) ~25% ~40% 70%
Plan Benefits
Deductible None None None
Annual Maximum None None None
Preventive & Basic Waiting Period None None None
Major Services Waiting Period 12 months 12 months 12 months
See Any Dentist
Network Savings (avg 40%)
Guaranteed Acceptance
Add Vision & Hearing

* Premiums vary by state and age. Percentages shown for Economy, Standard, and Preferred plans are averages of the maximum allowable charge. The Premier Plan pays 70% of the maximum allowable charge. Contact us for a personalized quote.

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What's Covered

All plans cover the same 400+ procedures across three categories.

Preventive Services

40+ Procedures · Covered Immediately
  • Oral evaluations & exams
  • Teeth cleanings (prophylaxis)
  • Bitewing & panoramic X-rays
  • Fluoride treatments
  • Sealants
  • Space maintainers
  • Periodontal maintenance

100% covered in-network on all plans

Basic Services

130+ Procedures · Covered Immediately
  • Fillings (amalgam & composite)
  • Simple tooth extractions
  • Emergency dental treatment
  • Root canal (anterior teeth)
  • Periodontal scaling & planing
  • Denture repairs & relines
  • Oral surgery

Coverage varies by plan: 25% to 70%

Major Services

270+ Procedures · After 12 Months
  • Crowns (porcelain, gold, etc.)
  • Bridges & pontics
  • Complete & partial dentures
  • Root canal (molars)
  • Implant-supported crowns
  • Surgical extractions
  • General anesthesia

Coverage varies by plan: 25% to 70%

Smiling woman

600,000+ Providers

You can see any dentist you want — but when you stay in-network with the Ameritas Classic PPO Network, you'll save an average of 40% on covered services. It's one of the largest dental networks in the nation.

  • 100% preventive coverage in-network
  • Average 40% savings on all services
  • Freedom to see any dentist, any time
  • No referrals needed
Find a Dentist →
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Ready to Protect Your Smile?

Get a personalized quote and find the dental plan that fits your needs and budget.