Helping Federal Employees and Annuitants Understand Their Benefits

 

Dental & Vision Insurance Program (FEDVIP)

Insurance Program




 

Retirement Report

This program offers three rate options, Self, Self + 1, and Self & Family. The monthly FEDVIP costs seem reasonable, maybe because I live in rating area #1 which offers the lowest premiums. 

The overall 2025 FEDVIP average premium for dental plans is increasing by 2.97 percent, and the
average premium for vision plans will increase .87 percent.

The U.S. Office of Personnel Management (OPM) announced the Federal Employees Dental and Vision Insurance Program (FEDVIP) is now available to TRICARE eligible retirees and their families during Open Season. Active duty family members are eligible to enroll in FEDVIP vision insurance. Read More...

FEDVIP MENU

 

 

Federal Employees Dental and Vision Insurance Program 

Look over your options closely and compare plans.

You must use BENEFEDS to enroll or change enrollment in a FEDVIP plan. BENEFEDS is a secure enrollment website (www.benefeds.com) sponsored by OPM. If you do not have access to a computer, call 1-877-888-FEDS (1-877-888-3337), TTY number 1-877-889-5680 to enroll or change your enrollment.

Plan Overviews

Dental plans provide a comprehensive range of services, including but not limited to the following:

  • Class A (Basic) services, which include oral examinations, prophylaxis, diagnostic evaluations, sealants and x-rays.
  • Class B (Intermediate) services, which include restorative procedures such as fillings, prefabricated stainless steel crowns, periodontal scaling, tooth extractions, and denture adjustments.
  • Class C (Major) services, which include endodontic services such as root canals, periodontal services such as gingivectomy, major restorative services such as crowns, oral surgery, bridges and prosthodontic services such as complete dentures.
  • Class D (Orthodontic) services.

The program allows employees to use pre-tax dollars to pay for their vision and dental premiums. However, as specified by law, there is no federal government contribution.

Dental rates for those living in the United States are determined based on where you live. This is called a rating area. To find your bi-weekly or monthly Dental premium, you must first find your rating area on the charts at the OPM web site. You can view 2015 dental rates for all areas online. The OPM site offers complete information on programs, prices and carriers.

Vision Rates are not based on where you live and the chart that follows is excerpted from the OPM web site.

Retiree Perspective   

My wife and I elected Metlife Dental and  Blue Cross Blue Shield eye care. Metlife picks up our dental preventative care deductibles and pays a significant portion of other procedure costs. The eye care is also excellent, I am able to get annual checkups and a new pair of glasses once a year as needed and they pay 100% of the cost for standard frames and lenses for new prescriptions. My last pair of glasses cost me $90 because I wanted the best progressive bifocals they have. Prior to having this insurance I would often pay over $300 for each new pair of eyeglasses.

We are very satisfied with our coverage and the cost is reasonable at just over $45 a month for Dental and $12 a month for eye care. Dennis Damp, Retired FAA

 

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