Federal Employees Dental and Vision Insurance Program

Federal Employees Dental and Vision Insurance Program


Hello and welcome to the Federal Employees
Dental and Vision Insurance Program, known as FEDVIP. This is the second in OPM’s series
of three webcasts for the 2013 Federal Benefits Open Season. My name is Connie deLorimier
and I have been working with FEDVIP since its inception in 2006. Today’s webcast will answer these questions:
What is new this year? What is FEDVIP?
Why would I need FEDVIP? Am I eligible for FEDVIP?
What benefits are available? How much does it cost?
What plans are available? How do I choose a plan?
How do I enroll in FEDVIP? And Where can I find more information? First, some announcements about what is new
for FEDVIP next year. We have three new dental plans joining our
program: FEP BlueDental, Delta Dental, and Dominion.
We have one new vision plan joining our program: Aetna.
Some of our dental plans now offer coverage for adult orthodontia. All of our dental plans
still provide orthodontia benefits for children under the age of 19. There may be a waiting
period before you can use orthodontia benefits, so check your plan’s brochure. We’ll tell
you where you can find those brochures later in this webcast.
Finally, same-sex spouses are now eligible for coverage under a FEDVIP Self Plus One
or Self and Family enrollment. Since 2006, FEDVIP has provided comprehensive
dental and vision insurance for Federal employees, retirees, and their families. FEDVIP allows
you to enroll in a dental plan, a vision plan, or both. FEDVIP is separate from the Federal
Employees Health Benefits Program, FEHB. Many people with FEHB enroll in FEDVIP to get the
dental and vision coverage not offered by their health plan. FEDVIP has:
No pre-existing condition limitations for enrollment. You can enroll even if you already
have a dental or vision condition. No waiting periods, except for orthodontia
in some plans. Out-of-network benefits so you can see any
dentist or optometrist you choose. And pre-tax premiums for active Federal employees
so you save money.  
Many plans use a network of dentists or optometrists called preferred providers. All FEDVIP vision
plans, and most FEDVIP dental plans, allow you to see providers outside your plan’s
network and still receive benefits. Most of the time, you will save money by going to
your plan’s preferred providers, but FEDVIP lets you go out-of-network if you choose.
  If your plan has no preferred providers within
35 miles of where you live, then you can go to an out-of-network provider and most FEDVIP
plans will pay in-network benefits. The program has 3 enrollment types –
Self, Self plus one, which covers one other eligible
family member, and Self and Family, which covers all eligible
family members.  
Your enrollment in a FEDVIP dental or vision plan will continue automatically each year,
unless you change your enrollment during the annual Open
Season.  
As a retiree, you can enroll in FEDVIP, even if you were never enrolled as an active employee.
You do not have to be enrolled in FEDVIP for 5 years in order to continue your coverage
into retirement. If you are enrolled at the time you retire, you will remain enrolled
into your retirement.  
If you join any FEDVIP vision plan or any of the four FEDVIP nationwide dental plans,
you are also covered overseas. FEDVIP provides the comprehensive dental and
vision coverage that most FEHB health plans don’t have. That’s why joining FEDVIP
can save you money. Did you know that the average preventive dental visit costs about
$150? – and THAT’s if your dentist does not find any problems with your teeth.
  Routine eye exams can cost up to $100 plus
the cost of glasses or contact lenses.  
FEDVIP also can help with more than just routine services. Dental plans also cover things like
fillings, root canals, crowns, and orthodontics. If you are thinking about LASIK surgery, vision
plans can provide discounts of up to 25% for this procedure. All Federal and Postal employees who are eligible
for FEHB are eligible for FEDVIP. The key is eligibility. You do not have to be enrolled
in an FEHB plan, you just must be eligible. Retirees under any Federal retirement system
are eligible as long as they retired on an immediate annuity (including disability) under:
Civil Service Retirement System (CSRS) Federal Employees Retirement System (FERS)
or any other Federal Retirement System. If you are retired, you may enroll in FEDVIP
for the first time during open season. You do not have to be enrolled as an employee
in order to have FEDVIP coverage when you retire. Every FEDVIP dental plan covers four levels
of dental services. Class A basic services like routine examinations and cleanings are
free with your premium when you use an in-network dentist. Class B covers intermediate services
like fillings. Class C covers major services like root canals. Class D covers orthodontia. Your FEDVIP vision plan covers a comprehensive
eye exam. This is very important as an eye exam can show indications of high blood pressure,
glaucoma, and other diseases. Plans will provide for glasses and frames,
or for contact lenses – whichever you prefer. For eyeglasses, some plans cover Progressive
bifocals, antireflective coatings, tints, high strength polycarbonates and other options.
  You can save even more money if you are enrolled
in the Federal Flexible Spending Account Program, FSAFEDS., With FSAFEDS, you can use pretax
dollars to pay for copayments, eyeglasses, contact lenses, and other eligible dental
and vision expenses. You save money by paying for these expenses before your income is taxed.
For more information on the Federal Flexible Spending Account Program, tune in to our November
19th web cast presentation. Three important points about FEDVIP premiums.
 First, FEDVIP premiums are paid entirely by the enrollee; there is no government contribution.
Second, active employees save money by paying their premiums pre-tax through a payroll deduction.
Third, dental premiums vary based on where you live. Some areas will pay higher dental
premiums than others because they are in different rating regions. Vision premiums, on the other
hand, are the same across the nation. For more information on dental premiums, please
visit www.opm.gov/dental, then click Plan Information, and then click Premiums. Vision
premiums are listed on the same page as the dental premiums. Premiums are also listed
in the 2014 Guide to Federal Benefits, and on the back page of the each plan’s brochure.
These documents are also available at www.opm.gov/vision. FEDVIP currently has 6 nationwide dental plans
– Aetna, FEP BlueDental, Delta Dental, GEHA, MetLife and United Concordia. These Plans
are available throughout the entire United States and overseas. FEDVIP also has 4 regional
plans: Dominion, which serves mid-Atlantic states and the District of Columbia; Emblem,
formerly known as GHI, which serves New York, New Jersey, and certain counties in Pennsylvania
and Connecticut; Humana, which serves 26 states across the South and mid-Atlantic Region,
including the District of Columbia; and Triple S Salud, which serves Puerto Rico. FEP BlueDental,
Delta Dental, and Dominion are new to FEDVIP dental for 2014. FEDVIP offers 4 nationwide vision plans: Aetna,
FEP BlueVision, United Healthcare Vision, and Vision Service Plan or VSP. Aetna is new
to FEDVIP vision for 2014. When choosing a FEDVIP plan, think about your
family’s needs. Do you need root canals or crowns? Do you just need routine exams
and preventative services? Do your children need fillings? Do you or your children need
braces?  
Once you have determined your anticipated dental and vision needs, check your FEHB plan
brochure to see what your health plan covers. Then you can pick a FEDVIP plan that compliments
your health insurance and provides benefits for the services you and your family may need. You can compare FEDVIP plan benefits by using
the Plan Comparison Tools at www.opm.gov/dental and www.plansmartchoice.com. Once you have
decided which plans interest you, you can get detailed information on those plans by
reviewing their brochures by going to www.opm.gov/dental and www.opm.gov/vision and
clicking “Plan Information” on the left
side of the screen.  
More information about FEDVIP is available online at www.opm.gov/dental and www.opm.gov/vision.
Information on BENEFEDS is available at www.benefeds.com or by calling 1-877-888-3337. TTY is available
by dialing 1-877-889-5680. You can also email us at [email protected]

Author: Kevin Mason

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