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New -- 2008 Federal Employees Vision Rates / Dental Rates
Dental Plans
The U.S. Office of Personnel Management (OPM) provides supplemental dental and vision benefits under the Federal Employees Dental and Vision Insurance Program to the following dental carriers:
Aetna Life Insurance Company
CompBenefits
Government Employees Hospital Association, Inc. (GEHA)
Group Health, Inc.
MetLife Inc.
Triple-S, Inc.
United Concordia Companies, Inc.
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 with up to a 24 month waiting period.
Dental Premiums
If you live outside of the United States:
you can enroll in 1 of the plans listed in the International Dental Premium Chart below. These plans provide coverage for services received inside or outside of the United States.
International Dental Premium Chart  [11 KB]
If you live inside the United States:
your rates 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 in the file below.
Example
- To find your Dental rating area:
- Find your state and your corresponding zip code (1st 3 digits).
- Look under the Plan name and you will find your rating area.
Dental Rating Area Chart [109 KB]
- To find your bi-weekly or monthly Dental premium, match your rating area with your desired FEDVIP plan in the Dental Premium Chart below.
Dental Premium Chart [39 KB]
Please refer to the Dental Plan Comparison below for a summary of the in-network benefits, deductibles, and maximum benefits per person.
Printable Dental Plan Comparison [28 KB]
Dental Plan Comparison
Nationwide and Overseas Carriers |
In-Network Benefits
Plan Pays |
Per Person Deductibles |
Annual Maximum Benefit per Person |
Orthodontic Lifetime Maximum |
Out of Network Benefit |
|
Preventive (A) |
Intermediate (B) |
Major (C) |
Orthodontic (D) |
Intermediate (B) |
Major (C) |
Limited to Persons up to Age 19 |
|
Aetna |
100% |
60% |
40% |
30% |
$0 |
$0 |
$1,200 |
$1500 per person 24 month waiting period |
Same % per class based on U&C |
GEHA (High Option) |
100% |
80% |
50% |
30% |
$0 |
$0 |
$1,200 |
$1500 per person 24 month waiting period |
Same % per class based on Plan allowance |
GEHA (Standard Option) |
100% after $10 copay |
55% |
35% |
30% |
$0 |
$0 |
$1,200 |
$1500 per person 24 month waiting period |
Same % per class based on Plan allowance |
MetLife (High Option) |
100% |
70% |
50% |
50% |
$0 |
$0 |
$3,000 |
$3000 per person 24 month waiting period |
Lesser % per class based on U&C |
MetLife (Standard Option) |
100% |
55% |
35% |
50% |
$0 |
$0 |
$1,200 |
$1500 per person 24 month waiting period |
Lesser % per class based on U&C |
United Concordia |
100% |
80% |
50% |
50% |
Combined Deductible
$75 for Self
$150 for Self and Family |
$1,200 |
$1500 per person 24 month waiting period |
Emergency Services Only |
Regional Carriers |
In-Network Benefits Plan Pays |
Per Person Deductibles |
Annual Maximum Benefit per Person |
Orthodontic Lifetime Maximum |
Out of Network Benefit |
|
Preventive (A) |
Intermediate (B) |
Major (C) |
Orthodontic (D) |
Intermediate (B) |
Major (C) |
Triple-S |
100% |
70% |
40% |
50% |
$0 |
$0 |
None |
$1500 per person 24 month waiting period |
None |
GHI |
100% |
100% |
100% |
100% |
$50 up to $150 for Family Enrollment |
$1,250 |
$2000 per person 12 month waiting period |
Same pymts as in-network |
A published co-payment schedule indicates the total amount you pay for each procedure and you are covered at 100% for all charges above that amount. The chart below is an approximation of the percentage benefit levels you receive. |
Comp
Benefits Dental |
100% |
60% |
46% |
30% |
$0 |
$0 |
None |
No lifetime maximum 24 month waiting period |
None |
Please note: When you use an In-Network provider you are responsible only for the difference between the Plan allowance and the Plan's payment.
When you use an Out of Network provider you are responsible for the difference between the Plan's payment and the amount billed by the Provider.
All plans include coverage for Class A, B, C, and D series.
For enrollment/premium questions regarding the Federal Employees Dental and Vision Insurance Program, please contact BENEFEDS at 1(877)888-3337. To enroll in FEDVIP, please visit www.BENEFEDS.com.
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U.S. Office of Personnel Management 1900 E Street NW, Washington, DC 20415 | (202) 606-1800 | TTY (202) 606-2532