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Frequently Asked Questions Insurance

Dental & Vision

  • You may contact OPM's Retirement Office by phone at 1 (888) 767-6738 or by e-mail at retire@opm.gov.

    The phone lines are open Monday through Friday 7:30am to 7:45pm eastern time.  If you have difficulty getting through, try to call early in the morning or late in the evening when the lines are less busy.
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  • FEDVIP dental plan premiums are based on where you live, your rating area.  A rating area is a group of zip codes that corresponds to a particular rate charged by a dental plan. Each dental plan can have up to five rating areas. Your residence zip code may be in rating area 1 for one plan but in rating area 2 for another plan. You can find your rating area on the dental rating area chart.  Once you know your rating area, you can look up the premium on the premium chart.

    FEDVIP vision plans do not use rating regions.  Vision plans have the same premium nationwide.  You can look up vision plan premiums on the vision premium chart.
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  • For dependent children, coverage ends at midnight on the eve of their 22nd birthday.  Benefits are not available on the day of their 22nd birthday. The employing/retirement office must make the incapable of self-support determination and submit to BENEFEDS within 60 days of the initial enrollment or the dependent’s 22 birthday in order for the dependent to be included on the enrollment.
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  • No, FEDVIP benefits and premiums do not change because you retire. Since many employees are paid biweekly and use pre-tax premiums, their retirement premiums will appear higher because these premiums are being withheld monthly, not biweekly, and because these premiums are paid post-tax.  Pre-tax premiums are not available to annuitants, survivor annuitants or compensationers.

    Please visit dental premiums or vision premiums for more information.

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  • You can find the premiums and your rating area on the dental and vision sections here. 

    Dental premiums are based on your rating region.  Vision premiums are not based on a rating region and are the same nationwide.
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  • You may cancel your enrollment during the annual Open Season. You may also cancel within 60 days of certain Qualifying Life Events, such as if you or your spouse are called to active military duty, or if you transfer to an agency that offers its own dental and/or vision insurance program and that agency pays 50% or more of the premiums and you enroll in that plan. Please note you may NOT cancel your enrollment outside of Open Season simply because you retire or due to financial hardship.
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  • Yes.  Your FEDVIP coverage automatically continues when you retire if you are enrolled as an employee.  There is no 5-year requirement for continuing FEDVIP into retirement. To be eligible for FEDVIP as a retiree, you must have retired with an immediate annuity (note: a FERS Minimum Retirement Age plus 10 annuity, postponed, counts as an immediate annuity).  You can enroll in a FEDVIP dental plan and/or a FEDVIP vision plan for the first time as a retiree, even if you were never enrolled as an employee, as long as you have an immediate annuity.

    Those in receipt of a deferred annuity are not eligible to enroll in FEDVIP. Please review Section 1 - Eligibility (Federal Annuitants) of any Dental or Vision plan brochure.

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  • You can download and print your plan's brochure on the dental or vision websites.  You can also contact your plan directly to request that they mail a paper brochure to you.
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  • Federal civilian annuitants are eligible to enroll in dental and vision insurance under FEDVIP.  If enrolled, employees automatically carry FEDVIP coverage into retirement if they retired on an immediate annuity under the Civil Service Retirement System (CSRS), the Federal Employees Retirement System (FERS) or another retirement system for employees of the Federal government. Individuals who retire for disability under CSRS, FERS, or another retirement system for employees of the Federal government are also eligible.  Federal Civilian Annuitants do not have to be eligible for FEHB coverage. There is no "five year rule" for continuing coverage into retirement like there is in the FEHB health insurance program and the FEGLI life insurance program.

     

    For more information on FEDVIP eligibility, please see the BENEFEDS website.
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  • If a covered family member dies while you are enrolled in a FEDVIP dental plan or a FEDVIP vision plan, contact BENEFEDS at www.BENEFEDS.com. Those without access to a computer can contact BENEFEDS by phone at 1-877-888-FEDS (3337), TTY 1-877-889-5680.

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