Physicians Mutual offers a variety of plan types that range from A to N, but their availability depends on the state customers reside in. The company only offers its services to 27 states, so customers must first check Physician Mutual's website for availability. Once a state is selected, the search engine shows all available plans, premium costs, deductibles, and features. The company offers an "Enhanced Preventive Service Benefit" that covers preventive care services that are not paid for or covered by medicare.

Physicians Mutual offers a patented, unique discount rider called the "Innovative Deductible Discount Rider" for its Plan F, which lowers a customer's premium costs for life and can save hundreds for the first year of the policy. However, the rider only works if customers don't drop the discount rider before year four. If the Innovative Discount Rider is dropped before that date, a customer's premium becomes Plan F's regular premium.

Physicians Mutual is accredited with the Better Business Bureau, has an A+ rating with them, and its reviews place it at 3.6 stars out of 5. The company has also addressed all its 58 customer complaints, which show their commitment to helping their customers. To educate its customers on choosing the medicare supplement that's right for them, Physicians Mutual offers medicare seminars that discuss customer options, rights and entitlements, as well as medicare enrollment and medicare supplement insurance options. Customers interested in these seminars can go on their website to see upcoming seminar dates per state. Their website also has a small FAQ section that covers basic questions regarding Medicare supplement insurance.

Physicians Mutual has an AM Best financial rating of A. Although there is no Moody's financial rating available, the company's website mentions it has a Weiss financial rating of A+ for its Physicians Mutual Life Insurance Company. Both these ratings indicate excellence in the company's financial status, so customers can rest easy knowing Physicians Mutual will meet its financial obligations.