FEDVIP Dental Plans 2023: Compare Coverage, Premiums & Provider Networks
Compare FEDVIP dental plans vs FEP Blue, BCBS, MetLife. Learn about coverage, costs, networks, and enrollment for federal employees and retirees.
Overview of FEDVIP Dental Plans
The Federal Employees Dental and Vision Insurance Program (FEDVIP) offers flexible dental coverage for federal employees, retirees, and their families. These plans provide a wide range of benefits, from preventive care like cleanings and exams to major procedures such as root canals, crowns, and implants. FEDVIP stands out for its nationwide provider network, ensuring access in both urban and rural areas.
Comparison of Key Federal Dental Plans
The following table summarizes major plan features to help you compare options for 2023.
| Plan | Monthly Premium (Individual) | Annual Maximum | Network Size | Major Procedure Coverage | Preventive Coverage |
|---|---|---|---|---|---|
| FEDVIP Dental (Sample Plan A) | $35 | $1,500 | 150,000+ | 80% | 100% |
| FEP Blue Dental (Standard) | $40 | $1,200 | 200,000+ | 70% | 100% |
| BCBS FEP Dental (Preferred) | $38 | $1,300 | 180,000+ | 75% | 100% |
| MetLife Federal Dental (Comprehensive) | $42 | $1,800 | 160,000+ | 85% | 100% |
Data compiled from public sources as of 2023.
Key Considerations When Choosing a Federal Dental Plan
Coverage and Benefits
Examine which services are included: preventive, basic (fillings), major (crowns, bridges, implants), and orthodontics. If you have gum disease, prioritize plans with deep cleanings and periodontal surgery. Check for coverage of emergency care and sedation dentistry for anxiety.
Network of Providers
A large network gives you more choices, especially in rural areas. Use the plan’s online directory to see if your preferred dentist is in-network. Out-of-network care often costs significantly more—some plans cover only 50% of those services.
Premiums and Out-of-Pocket Costs
Beyond monthly premiums, compare deductibles, co-payments, and annual maximums. A lower premium may lead to higher out-of-pocket costs if you need frequent care. For instance, two fillings per year could cost $100 in co-pays under a low-premium plan, while a higher-premium plan with lower co-pays may save money overall.
Enrollment Periods
Open season for FEDVIP typically runs from late November to early December (e.g., Nov 14–Dec 12 in 2023). Miss it and you generally must wait until the next enrollment unless a qualifying life event occurs. Mark your calendar and review your needs annually.
Frequently Asked Questions
When can I enroll in FEDVIP dental plans?
Open season is usually late November to early December. Check the Federal Employee Benefits Office website for exact dates each year.
Can I keep my current dentist?
If your dentist is in the plan’s network, yes. Use the provider directory to verify before switching. Out-of-network dentists may cost more.
How do FEDVIP plans compare to other 2023 federal plans?
FEDVIP plans offer more flexibility in benefit choices compared to traditional federal plans. Review each plan’s Summary of Benefits to see coverage limits, deductibles, and co-pays for the year.
Are vision benefits included in FEDVIP dental?
No, dental and vision are separate plans under FEDVIP. You can enroll in both, and some providers may offer a discount for bundling.
How do I find FEP Blue or BCBS providers?
Use the Blue Cross Blue Shield “Find a Doctor” tool online, search by zip code and specialty, or call customer service for assistance.
What if my plan doesn’t cover a needed procedure?
You’ll pay the full cost out-of-pocket for non-covered services like cosmetic whitening. Some plans offer discounts through partners. Consider upgrading during open season if needed.
Do FEDVIP plans cover pre-existing conditions?
Preventive and basic services are often covered immediately. Major procedures for pre-existing conditions may have a waiting period (e.g., 6–12 months). Check the plan’s policy.