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Frequently Asked Questions Insurance

Dental & Vision

  • Eligible individuals will be able to enroll during the annual Open Season or after a Qualifying Life Event (QLE) that permits enrollment outside of Open Season. You must enroll through BENEFEDS at www.BENEFEDS.com. Those without access to a computer can enroll by telephone at 1-877-888-FEDS (3337), TTY 1-877-889-5680. Should you have any enrollment questions, please contact BENEFEDS at www.BENEFEDS.com or 1-877-888-FEDS (3337), TTY 1-877-889-5680.
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  • The following dental plans are available in specific regions:
    • Humana/CompBenefits is available in Alabama, Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, parts of Maryland, Missouri, Mississippi, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, and West Virginia.
    • Group Health, Inc. is available in all of New York, Northern New Jersey (counties of Bergen, Essex, Hudson, Middlesex, Monmouth, Morris, Passaic, Somerset, Sussex, and Union), Connecticut (counties of Fairfield, Litchfield, New Haven), Pennsylvania (counties of Pike and Monroe).
    • Triple-S Salud, Inc. is available in Puerto Rico.
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  • No, retiree pay premiums on a post tax basis.
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  • Federal and U.S. Postal Service employees eligible for FEHB coverage (whether or not enrolled) and annuitants/survivor annuitants/compensationers (regardless of FEHB eligibility) are eligible to enroll.
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  • Yes.
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  • You can enroll in any of the nationwide dental and/or vision plans. These plans provide benefits for services received outside of the United States.
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  • If you are on a deferred retirement annuity, you are not eligible for FEDVIP. If you are retiring with title to an MRA+10 annuity and you postpone receiving your annuity, you are eligible for FEDVIP only when you begin to receive that annuity. You would not be eligible for FEDVIP during the time between your separation from duty and before actual receipt of your annuity.
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  • Premiums are paid on a pre-tax basis (premium conversion) if you are an active employee and your salary is sufficient to make the premium withholding. Pre-tax premiums are not available to annuitants, survivor annuitants or compensationers.
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  • President George W. Bush signed The Federal Employee Dental and Vision Benefits Enhancement Act of 2004 into law on December 23, 2004. The Act authorizes OPM to establish arrangements under which supplemental dental and vision benefits are made available to Federal and U.S. Postal Service employees, retirees, and their eligible family members, and the law gives OPM broad contracting authority to leverage the purchasing power of Federal enrollees to provide comprehensive benefits with competitive premiums.
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  • No, USPS employees pay the same premiums as Federal employees and annuitants.
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