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Federal staff and retirees (annuitants) have entry to dental and imaginative and prescient insurance coverage provided by the Federal Staff Dental and Imaginative and prescient Program (FEDVIP). FEDVIP is a voluntary enrollee-pay-all dental and imaginative and prescient insurance coverage program out there to federal staff and retirees and to retired uniform providers members and active-duty members. FEDVIP is sponsored by the Workplace of Personnel Administration (OPM). Throughout 2026, FEDVIP presents eligible contributors a selection of 12 dental and 5 imaginative and prescient insurance coverage carriers.
BENEFEDS (https://www.benefeds.com) administers the enrollment and premium cost processes on behalf of the FEDVIP insurance coverage carriers. Enrollment within the FEDVIP, change of dental or imaginative and prescient insurance coverage plan and disenrollment from a FEDVIP dental or imaginative and prescient insurance coverage plan are made in the course of the annual open season.
READ: 2026 Federal Advantages Open Season Choices
Eligibility for FEDVIP
The FEDVIP is obtainable to eligible federal service and postal service staff, annuitants, survivor annuitants and compensationers. FEDVIP eligibility additionally contains retired uniformed service members and their members of the family, and survivors.
Eligibility for the FEDVIP is determined by a person’s affiliation with the federal authorities. The person should use the identical affiliation to enroll in dental and imaginative and prescient. Eligible staff or annuitants, (together with survivor annuitants) who’re dually eligible should enroll beneath one affiliation. Beneath FEDVIP guidelines, they can’t be lined beneath a couple of dental insurance coverage plan as a federal (civilian worker or retiree) and as a uniformed providers member. Whether it is decided an worker, a retiree or any of eligible members of the family is enrolled beneath a couple of FEDVIP dental plan through which one plan is thru civilian affiliation and one FEDVIP is thru the uniform providers affiliation, then one of many enrollments will probably be canceled. The next desk summarizes the variations based mostly on the affiliation a person chooses when enrolling within the FEDVIP:
Abstract of FEDVIP Enrollment Points
FEDVIP Enrollment
Staff and annuitants can enroll, change FEDVIP plans, and disenroll within the FEDVIP yearly in the course of the open season. The enrollment course of consists of three steps:
1. Confirm eligibility. An worker or annuitant has to verify his or her eligibility for FEDVIP. If the person is a uniformed service member, this a part of the method helps BENEFEDS decide if the person is eligible to enroll in a FEDVIP dental or imaginative and prescient protection, or each.
2. Create a “My BENEFITS” account. An worker, annuitant, or uniformed providers member should present private info and create a Consumer ID and password to arrange a “My BENEFEDS” account.
3. Enrollment. After a person creates a “My BENEFEDS” account, the person will robotically be despatched to his or her “My BENEFEDS” dashboard the place the person can choose and to enroll in a dental and/or imaginative and prescient insurance coverage plan.
FEDVIP Enrollment Sorts
There are three enrollment choices in a FEDVIP dental and/or imaginative and prescient plan:
• Self solely. Solely the worker, annuitant or survivor annuitant.
• Self plus one. An worker, annuitant, survivor annuitant and one eligible member of the family. An eligible member of the family features a partner and a toddler beneath the age of twenty-two. If a lined member of the family dies or loses eligibility in the course of the plan yr, then the worker, annuitant or survivor annuitant can change the lined member of the family to a different eligible member of the family, and
• Self and household. An worker, annuitant, survivor annuitant and a number of eligible members of the family.
Dental Plan Choices
For 2026, there are 12 dental plan choices provided by the FEDVIP for eligible contributors. This offers contributors a selection and the pliability to pick the suitable protection for themselves and their households.
FEDVIP dental plans present complete protection, together with preventive providers at 100% when a FEDVIP plan participant makes use of an in-network supplier. There are not any deductibles when utilizing in-network dentists. There’s additionally no ready interval for main dental procedures together with crowns, bridges, dentures, orthodontics and implants. Plan restrictions and limitations apply.
The next desk presents the 12 FEDVIP dental plans out there throughout 2026:
FEDVIP dental contributors who need extra details about any dental plan ought to go to https://www.benefeds.com. They’re additionally inspired to make use of a evaluating dental plan service prices calculator, particularly if they’re planning a serious dental process throughout calendar yr 2026.
Imaginative and prescient Plan Choices
The next desk presents the 5 FEDVIP imaginative and prescient plans out there throughout 2026:
FEDVIP Premiums
NOW AVAILABLE: 2026 FEDVIP Dental and Imaginative and prescient Plan Premiums
Federal staff, compensationers, annuitants and survivor annuitants pay the total premium value of a FEDVIP dental plan. There isn’t any federal authorities contribution for workers, compensationers, annuitants and survivor annuitants.
Staff and compensationers have their FEDVIP premiums deducted from their bi-weekly gross pay on a pre-tax foundation, referred to as premium conversion. In contrast to the FEHB program through which staff have the choice of not having their FEHB program well being plan premiums deducted on a pre-tax foundation, staff will need to have their FEDVIP dental insurance coverage premiums deducted on a pre-tax foundation.
Annuitants and survivor annuitants all the time have their FEDVIP premiums deducted on a post-tax foundation.
The 2026 common month-to-month enhance for FEDVIP dental premiums is 3.35 %. The common month-to-month enhance in FEDVIP premiums for 2025 was 2.97 %.
Coordination of Advantages
When a person enrolls in FEDVIP, both in a dental plan, a imaginative and prescient plan or each plans, the person will probably be requested if she or he has different insurance coverage. That is achieved to ensure that BENEFEDS to coordinate the person’s dental and/or imaginative and prescient advantages, if vital. The opposite insurance coverage contains protection beneath the FEHB program, Medicare, TRICARE and different dental or imaginative and prescient insurance coverage suppliers. By legislation, the FEHB program well being plans are the primary (main) payers of claims.
Federal staff and retirees and uniformed service members could acquire particular details about FEDVIP and the plans provided bygoing right here.
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