Retiree Dental Insurance

Man in dentist chair

Retirees and their dependents can get dental care using the Office of Personnel Management’s Federal Employees Dental and Vision Insurance Program (FEDVIP).

What is FEDVIP?

FEDVIP is a voluntary, enrollee-pay-all insurance program. It is sponsored by the U.S. Office of Personnel Management (OPM) and offers eligible participants a choice between ten dental insurance companies.

FEDVIP offers a choice of plan options and carriers.

Under FEDVIP you have a choice of carriers. Currently FEDVIP offers the following dental plans:

  • Aetna Dental
  • Delta Dental
  • Dominion Dental (regional only)
  • Emblem Health (regional only)
  • FEP Blue Dental
  • GEHA
  • Humana (regional only)
  • Met Life
  • Triple-S Salud (regional only)
  • United Concordia Dental

All plans are available worldwide unless indicated above.

All plans have varying levels of coverage, most have a high and low option. The high option offers more coverage for a higher premium.

When Can You Enroll or Change Your FEDVIP Coverage?

You can only begin or change your FEDVIP dental coverage during the open season which normally runs from mid-November to mid- December every year.

You can begin, end or change your coverage at any time if you have a "Qualifying Life Event" such as:

  • Marriage
  • Loss or other dental coverage
  • Gaining a new family member
  • Losing a family member
  • Moving
  • Or other reasons

Your dependent children are covered until age 22. If you die, your family members can continue their coverage.

Who is Eligible for FEDVIP?

You are eligible to enroll in FEDVIP if you are:

  • Entitled to military retired pay, including those age 65 and over.
  • A member of the Retired Reserve/Guard, including a "gray-area" reservist who is entitled to retired pay but will not begin receiving it until age 60.
  • A current spouse of an enrolled member.
  • A child of an enrolled member, up to age 22, or older if disabled before losing eligibility).
  • An unremarried surviving spouse or eligible child of a deceased member who died while in retired status or while on active duty.
  • A Medal of Honor recipient and eligible immediate family member, or an unremarried surviving spouse/eligible immediate family member of a deceased recipient.

For more information including covered services and costs check out the FEDVIP website

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