Dental & Vision
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No. If you use your health care flexible spending account to pay for eligible expenses, you cannot deduct those same expenses from your federal income tax return. Keep in mind that by IRS law, you are only allowed to deduct medical expenses that exceed 10% of your gross income. The advantage of the health care flexible spending account is that you can get a tax benefit on health expenses below that threshold.
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Yes, if you enroll during the Open Season, your health care flexible spending account will reimburse you for eligible expenses incurred January 1 of next year to March 15 of the following year
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No, transportation to and from daycare is not an eligible expense, no matter your child’s age.
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Yes, depending on your needs and the needs of your family, you may enroll in a FEDVIP dental plan, a FEDVIP vision plan, or both.
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No, you can only use this year's FSA funds to pay for an eligible expense incurred during this year, even if you have a payment plan going beyond this year. Remember, though, that each benefit year has a grace period from January 1 to March 15 of the following year. If you continue to make payments between January 1st and March 15th , you can get reimbursed with your remaining FSA funds from the previous year.
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Yes.
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Yes, this is one of the few qualifying events that will allow you to enroll in an FSA outside of the annual Open Season.
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There are six nationwide and four regional dental plans available. There are also four nationwide vision plans available.
You can review each
dental plan brochure and
vision plan brochure on OPM's FEDVIP website.
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The dental carriers are:
- Aetna Life Insurance Company;
- Delta Dental;
- Dominion Dental;
- FEP BlueDenal;
- Government Employees Health Association, Inc. (GEHA);
- MetLife Inc.;
- United Concordia Companies, Inc.;
- Group Health, Inc.;
- Humana.; and
- Triple-S Salud, Inc.
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All vision plans are available nationwide. The following dental plans are available nationwide:
- Aetna Life Insurance Company;
- Delta Dental;
- Government Employees Health Association, Inc. (GEHA);
- MetLife Inc.; and
- United Concordia Companies, Inc.
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Update your personal information at
www.BENEFEDS.com or 1-877-888-3337. Once your name has been changed through BENEFEDS, you may contact your plan for a new ID card.
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No. For your child age 22 or over to be covered under your FEDVIP Self and Family enrollment, he/she must be incapable of self-support because of a mental or physical disability that existed before the child reached age 22.
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The following dental plans are available in specific regions:
- Humana 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.
- Emblem Health (formely GHI_ 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.
- Dominion is available in Mid-Atlantic States of District of Columbia, Delaware, Maryland, Pennsylvania and parts of Virginia and New Jersey
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The vision carriers are:
- Aetna Vision;
- FEP BlueVision;
- UnitedHealthcare Vision; and
- Vision Service Plan (VSP).
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No. For FEHB and FEDVIP, if you and your eligible family members are satisfied with the coverage that you have now, then you do not have to do anything. Keep in mind that premiums and benefits change each year, so you should check the plan brochures. All FEHB and FEDVIP plan brochures are on our website at
www.opm.gov/healthcare-insurance/.
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All FEDVIP dental plans provide benefits for all classes of service. The percentage paid for specific classes may vary, so check each plan’s brochure for specific coverage information:
www.opm.gov/healthcare-insurance/dental-vision/plan-information/.
Also, if you have health insurance under FEHB, please keep in mind that the extraction of impacted wisdom teeth may be considered a surgical benefit under your FEHB plan. If the extraction of wisdom teeth is covered under your FEHB plan, then your FEHB plan will pay its benefit before your FEDVIP plan pays its benefit.
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If the plan pays out-of-network benefits, a portion of your dentist’s eligible services will still be covered. The amount covered will depend on the service and may vary among plans. Generally, you will pay less out-of-pocket when you use an in-network dentist.
Most plans pay out-of-network benefits. You cannot change plans or cancel your enrollment because of your provider's participation. You can review your plan’s brochure at
www.opm.gov/healthcare-insurance/dental-vision/plan-information/#url=Dental-Overview.
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Orthodontia restrictions and waiting periods differ between plans. Check the FEDVIP plan brochures to see what the waiting period and restrictions are. Many of the plans have a waiting period of up to 12 months
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Total Count: 208, Number of Pages: 11, Page: 8