Federal Employee's and Annuitant's Insurance
This program offers three
rate options, Self, Self + 1, and Self & Family. This rate structure will
be expanded to the FEHB program in 2016 adding Self + 1 and will benefit
empty nesters who previously had to pay high Family option
premiums to cover the employee and a spouse. The monthly FEDVIP costs seem reasonable,
maybe because I live in
rating area #1
which offers the lowest premiums.
Federal Employees and Annuitants
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.
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
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.
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 $35 a month for Dental and $10 a month for eye care.
Dennis Damp, Retired FAA
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