Physicians Mutual Insurance / 90 day waiting period
Policy no. [protected]
I purchased a dental plan in February, 2015. I paid 3 months premiums of 31.85. I did not receive a card to use to show the dentist proof of insurance. In June, 2015, I tried to use my insurance with my dentist, who I have used for over 10 years. I was going in for my annual checkup. I took the plan in too show the dentist. They called the insurance too see my coverage. When they informed me that the insurance co. Does not cover annual checkups 100 percent, as my previous insurance, I was upset. I had a 90 day waiting period, before I was able too use the insurance. That is 3 mos. of paying premiums, without, insurance. Now they inform me that their was not a waiting period. I cancelled my insurance, and requested a refund. They refuse. Their advertising on the internet is very misleading. They call this affordable insurance, but they cover very little of the dental cost. This is very misleading. I want my premiums I paid back.