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New -- 2008 Federal Employees Vision Rates / Dental Rates
The U.S. Office of Personnel Management (OPM) has awarded contracts to insurance carriers that will offer supplemental dental and vision benefits under the new Federal Employees Dental and Vision Insurance Program. Following an extensive review, OPM has selected:
Dental |
Vision |
Aetna Life Insurance Company |
BlueCross BlueShield Association |
Government Employees Hospital Association, Inc. (GEHA) |
Spectera, Inc. |
MetLife Inc. |
Vision Service Plan (VSP) |
| United Concordia Companies, Inc. |
|
Group Health, Inc. |
|
CompBenefits |
|
Triple-S, Inc. |
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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.
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: The state of Florida is divided into rating areas defined by the first 3 digits of your zip code - If you live in one of the three zip codes starting with 327, 328, or 347 your rating area for Aetna, GEHA (Standard and High options), and Comp Benefits, will be 2; for MetLife (Standard and High options) and United Concordia, your rating area will be 1. If the first 3 digits of your zip code do not start with "327, 328, 347", or "330-334", you will be in the last Florida zip code region which is referred to as the "rest of the state". You will not be eligible to enroll in either GHI or Triple-S since they are not offered in the state of Florida.
State |
State/Zip Code (first 3) |
Aetna |
GEHA Std |
GEHA High |
MetLife High |
MetLife Std |
United Concordia |
Comp Benefits |
GHI |
Triple-S |
FL |
327-328, 347 |
2 |
2 |
2 |
1 |
1 |
1 |
2 |
#N/A |
#N/A |
FL |
330-334 |
2 |
4 |
4 |
3 |
3 |
3 |
2 |
#N/A |
#N/A |
FL |
rest of state |
3 |
2 |
2 |
1 |
1 |
1 |
2 |
#N/A |
#N/A |
- 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.
Dental Plan Comparison
Nationwide Carriers |
In-Network Benefits Plan Pays |
Per Person Deductibles |
Annual Maximum Benefit per Person |
|
Preventive (A) |
Intermediate (B) |
Major (C) |
Orthodontic (D) |
Intermediate (B) |
Major (C) |
Aetna |
100% |
60% |
40% |
30% |
$0 |
$0 |
$1,200 |
GEHA (High Option) |
100% |
80% |
50% |
30% |
$0 |
$0 |
$1,200 |
GEHA (Standard Option) |
100% after $10 copay |
55% |
35% |
30% |
$0 |
$0 |
$1,200 |
MetLife (High Option) |
100% |
70% |
50% |
50% |
$0 |
$0 |
$3,000 |
MetLife (Standard Option) |
100% |
55% |
35% |
50% |
$0 |
$0 |
$1,200 |
United Concordia |
100% |
80% |
50% |
50% |
Combined Deductible
$75 for Self
$150 for Self and Family |
$1,200 |
Regional Carriers |
In-Network Benefits Plan Pays |
Per Person Deductibles |
Annual Maximum Benefit per Person |
|
Preventive (A) |
Intermediate (B) |
Major (C) |
Orthodontic (D) |
Intermediate (B) |
Major (C) |
Triple-S |
100% |
70% |
40% |
50% |
$0 |
$0 |
None |
GHI |
100% |
100% |
100% |
100% |
$50 up to $150 for Family Enrollment |
$1,250 |
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 % benefit levels you receive. |
Comp
Benefits Dental |
100% |
60% |
46% |
30% |
$0 |
$0 |
None |
Vision Premiums
Your rates are not based on where you live or rating areas. Please see the file below for your bi-weekly or monthly premiums.
Vision Premium Chart [33 KB]
Please refer to the Vision Plan Comparison below for a summary of benefits.
Vision Plan Comparison
|
Bi-Weekly Premiums |
Months Between Covered Services |
Plan |
Self |
Self + One |
Self and Family |
Examination |
Lenses |
Frames |
Exam Copay |
Lens Copay |
Frame Allowance |
BCBS Standard |
$3.97 |
$7.94 |
$11.92 |
12 |
12 |
24 |
$0 |
$0 |
$130 |
BCBS High |
$5.01 |
$10.01 |
$15.02 |
12 |
12 |
12 |
$0 |
$0 |
$130 |
Spectera Standard |
$2.63 |
$5.13 |
$7.64 |
12 |
12 |
12 |
$10 |
$25 |
$130 |
Spectera High |
$3.41 |
$6.65 |
$9.91 |
12 |
12 |
12 |
$10 |
$10 |
$130 |
VSP Standard |
$3.82 |
$7.65 |
$11.47 |
12 |
12 |
12 |
$10 |
$20 |
$120 |
VSP High |
$5.40 |
$10.81 |
$16.21 |
12 |
12 |
12 |
$10 |
$150 |
If you have questions, please contact us at fedvip@opm.gov or call us at (202)606-0745.
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