Federal Dental Plans

Employees of the federal government and low income families can qualify for federal dental plans.

Many people still struggle to make ends meet, let alone set aside a certain amount to pay for basic health care needs, including dental services. Government sponsored dental plans are available for federal employees, but did you know that even non-government employees can avail of federal dental plans if your income is proven to fall within the low income bracket?

Federal Employees Dental and Vision Insurance Program

An increasing number of people are finding themselves without dental insurance coverage due to their inability to cope with the expensive premiums. However, in 2004, the government addressed this issue with the Federal Employees Dental and Vision Insurance Program (FEDVIP) to offer supplemental dental and vision benefits to employees of the federal government and the United States Postal Service. Employees who are eligible for health benefits may enroll in the program which can also cover their families to include spouses and dependent, unmarried children below the age of 22.

There are four national and three regional dental plans offered through the Federal Employees Health Benefits (FEHB) program. The four main plans include an Aetna Life Insurance Company dental insurance plan, a MetLife dental insurance plan, a Government Employees Health Association dental insurance plan, and a United Concordia Companies dental insurance plan. A federal dental plan can cover basic dental services such as regular cleaning, bridges and crowns, X-rays, and orthodontia. The benefits can vary depending on the plan you choose.

It is important to note that the government does not shoulder or contribute to the cost of dental plan premiums. Federal employees pay for the premiums through small deductions from their salary, while retirees may have their premiums withheld from their annuity checks.

Dental Plans for Low Income Families

Low income families need to present proof of their annual income in order to avail of federal dental plans, as well as proof of residency. Individuals applying for this dental plan should specify who the plan will cover with options that include Self-Only coverage, Self Plus One, and Self Plus Family. The only people that can be included in the dental plan are the beneficiary, his or her spouse and children below 22 years old. Older children may be approved provided that they are proven incapable of providing for themselves.

The federal dental plans work much in the same way that private dental plans do. You choose from the available government-recognized dental insurance companies, which may vary depending on your state of residence. Compare each insurance company and the plans that they have to offer. Go through each federal dental plan provider available in your state and evaluate their services and costs. You can check the information you need online by visiting their websites. Once you have conducted enough research to make an informed decision, you can choose which dental plan you feel would best fit your family’s needs.