About Physicians Mutual
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Physicians Mutual is an insurance provider offering Medicare supplemental insurance in 21 states. You can avoid health questions and get guaranteed coverage during open enrollment. Physicians Mutual offers multiple plans, with high-, low- and no-deductible options. However, it does not publish its pricing online.
Pros
- Multiple plan options
- Coverage guarantee with payment
- No health questions
Cons
- Limited availability
- Unclear pricing
Bottom Line
Physicians Mutual offers Medicare supplemental insurance in select states. It has a variety of plans, and you don’t have to answer any health questions during open enrollment.
What is Physicians Mutual Medicare Supplement Insurance?
Physicians Mutual offers several Medicare supplemental insurance policies to cover expenses Medicare doesn't pay for, such as deductibles, copayments and coinsurance. To purchase supplemental insurance, you must already have a Medicare policy in place.
You can buy Physicians Mutual Medicare Supplement Insurance with guaranteed coverage during Medicare open enrollment (generally the six-month period after you turn 65) or if you have guaranteed-issue rights because of a disability. Guaranteed coverage means you don't have to answer health questions to obtain coverage and that you can't be turned away.
Once you have supplemental insurance with Physicians Mutual, you can maintain coverage as long as you pay the monthly premiums, even if you move or travel within the United States.
Physicians Mutual Medicare Supplement Insurance plans
Physicians Mutual Medicare Supplement Insurance plans cover expenses that are not covered by Medicare. Some of these expenses include deductibles, copayments and coinsurance. Physicians Mutual customers do not need referrals for doctors or hospitals as long as they choose a Medicare-approved provider.
Physicians Mutual offers seven supplemental insurance plans:
- Plan A
- Plan F
- High Deductible Plan F
- Innovative Plan F
- Plan G
- High Deductible Plan G
- Innovative Plan G
A Physicians Mutual representative can provide more specific information to help you choose the right plan.
Physicians Mutual Medicare Supplement Insurance costs
Prices vary from plan to plan, but Physicians Mutual does not provide pricing information online. Generally, plans that cover all Medicare-approved expenses have higher monthly premiums. Other plans don't cover any expenses until you have met the yearly deductible. Consider your budget and current health care needs when choosing a plan.
Physicians Mutual Medicare Supplement Insurance FAQ
- How many Medigap plans does Physicians Mutual offer?
-
Physicians Mutual offers seven Medigap plans:
- Plan A
- Plan F
- Plan F with a high deductible
- Plan F with a high deductible and an innovative rider
- Plan G
- Plan G with a high deductible
- Plan G with a high deductible and an innovative rider
- Where is Physicians Mutual Medicare Supplement Insurance available?
-
Physicians Mutual Medicare Supplement Insurance is available in:
- Alabama
- Arizona
- Colorado
- Illinois
- Indiana
- Iowa
- Louisiana
- Maryland
- Mississippi
- Nebraska
- Nevada
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Virginia
- Wisconsin
- What requirements does Physicians Mutual have for its Medicare supplemental insurance?
-
Physicians Mutual Medicare Supplement Insurance requires that you:
- Enroll in Medicare
- Be over the age of 65 or have certain disabilities
- Pay your premium each month
Is Physicians Mutual Medicare Supplement Insurance good?
Physicians Mutual Medicare Supplement Insurance can be a good choice for Medicare customers who live within its service area. While it only offers Medicare supplemental insurance in select states, you can take your plan with you if you move. Physicians Mutual plans pay for expenses Medicare doesn't cover, and it offers multiple options to match your coverage needs and budget.
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It is amazing every time I contact customer service at Physicians Mutual Insurance Headquarters in Omaha Nebraska: Senora Nayely & Lori, Customer Service Agents, tell me that my dental policy has been canceled effective 07 Mayo 2022 because I cannot use it in Mexico as Doctor in COVID19 Hospital Clinic Staffing Relief (humanitarian aid - non paid status).
BUT BUT my Wells Fargo USA Bank is still being charged automatically on electronic auto pay, which puts me into an overdraft status account and costs me twice what the policy is worth. I have called repeatedly for 4 months and/or emailed Physician Mutual and they blame my bank; then I call my bank and Wells Fargo USA and they blame Physicians Mutual.
I attempted to Resolve by asking Physicians Mutual to contact their internal Financial Accounts Department directed by the Management of Physicians Mutual to stop the Auto Pay deductions from Wells Fargo USA Bank. BUT BUT Physicians Mutual Insurance National Office states that all insurance Companie in the USA cannot do that. Thank you Consumer Affairs Consumer Protection Services for Helping me Resolve this very costly mistake. Gracias - Dr. Roger ** Medica Clínica en Guachochi Chihuahua Mexico **. Posted: Sabado 06 Augusto 2022 at 6am PST.
Physicians Mutual Company Information
- Company Name:
- Physicians Mutual
- Website:
- www.physiciansmutual.com
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