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  Attend a live Open Season webinar to learn more about FEDVIP coverage effective January 1, 2026. Register for a session today.

Compare FEDVIP dental plans from Delta Dental

Access your 2025 FEDVIP rates

We offer two great PPO dental plans with affordable monthly premiums. Find out your FEDVIP dental cost.

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Compare Delta Dental FEDVIP plans

Delta Dental’s federal dental insurance plans offer coverage to fit your needs and budget. Choose from two PPO plan options — Standard or High — with affordable monthly premiums and robust preventive care benefits.

Coverage is available for:
 

  • Federal employees and annuitants, including U.S. Postal Service (USPS) employees and annuitants
  • Retired uniformed service members (military retirees)
  • Active duty service members within 60 days of retirement
  • Retired National Guard and Reservists including “gray area retirees” who are not yet age 60 (not yet receiving retired pay)
  • Eligible family members (dependents) of all groups listed above


When you use an in-network provider, preventive services like exams and cleanings are covered at 100%. Both plans include access to the nation's largest network of directly contracted dentists.

Compare federal dental plans from Delta Dental and explore the benefits of the PPO Standard Plan and PPO High Plan. Each plan includes coverage for basic, intermediate, major and orthodontic services.

This benefit information is only a summary of the plan policy. Limitations, exclusions and/or waiting periods may apply. Refer to the 2025 Plan Brochure for complete FEDVIP dental coverage information.

 

Standard Plan

High Plan
  In-network Out-of-network In-network Out-of-network
Basic Services — Class A (Routine cleanings, X-rays, oral exams, sealants) 100% 60% 100% 90%
Intermediate Services — Class B (Fillings and periodontal maintenance, oral surgery, extractions) 55% 40% 70% 60%
Major Services — Class C¹ (Crowns, bridges, root canals, dentures, implants, gum surgery) 35% 20% 50% 40%
Orthodontic Services — Class D 50% 50% 50% 50%
General Services (Anesthesia, occlusal guard) 55% 40% 70% 60%
Deductible (Class A and D services are exempt from the deductible. All other covered services are exempt from the deductible only when provided by a participating network dentist.) $0 $75 $0 $50
Annual Benefit Maximum² (Non-orthodontic) $1,500 $1,000 unlimited $3,000
Orthodontic Lifetime Maximum (Standard Plan now covers orthodontics for kids up to maximum age eligibility) $2,000 for children
Not covered for adults		 $1,000 for children
Not covered for adults		 $3,500 for children
$2,000 for adults		 $3,500 for children
$2,000 for adults

Basic Services — Class A (Routine cleanings, x-rays, oral exams, sealants)

  • Standard Plan in-network: 100%
  • Standard Plan out-of-network: 60%
  • High Plan in-network: 100%
  • High Plan out-of-network: 90%
     


Intermediate Services — Class B (Fillings and periodontal maintenance, oral surgery, extractions)

  • Standard Plan in-network: 55%
  • Standard Plan out-of-network: 40%
  • High Plan in-network: 70%
  • High Plan out-of-network: 60%


Major Services — Class C¹ (Crowns, bridges, root canals, dentures, implants, gum surgery)

  • Standard Plan in-network: 35%
  • Standard Plan out-of-network: 20%
  • High Plan in-network: 50%
  • High Plan out-of-network: 40%
     


Orthodontic Services — Class D

  • Standard Plan in-network: 50%
  • Standard Plan out-of-network: 50%
  • High Plan in-network: 50%
  • High Plan out-of-network: 50%
     


General Services (Anesthesia, occlusal guard)

  • Standard Plan in-network: 55%
  • Standard Plan out-of-network: 40%
  • High Plan in-network: 70%
  • High Plan out-of-network: 60%
     


Deductible (Class A and D services are exempt from the deductible. All other covered services are exempt from the deductible only when provided by a participating network dentist.)

  • Standard Plan in-network: $0
  • Standard Plan out-of-network: $75
  • High Plan in-network: $0
  • High Plan out-of-network: $50
     


Annual Benefit Maximum² (Non-orthodontic)

  • Standard Plan in-network: $1,500
  • Standard Plan out-of-network: $1,000
  • High Plan in-network: unlimited
  • High Plan out-of-network: $3,000
     


Orthodontic Lifetime Maximum (Standard Plan now covers orthodontics for kids up to maximum age eligibility)

  • In-network
    $2000 for children
    Not covered for adults
  • Out-of-network
    $1000 for children
    Not covered for adults
  • $3,500 for children
    $2,000 for adults
  • $3,500 for children
    $2,000 for adults

  • Save money with in-network dental visits

    With Delta Dental’s FEDVIP dental plans, you can visit any licensed dentist, but you’ll save up to 40% more³ with in-network providers. And since we have one of the largest provider networks in the country, your dentist is likely in our network.

    Search our network to find your current dentist or find a new dental provider near you.

    Find a Delta Dental dentist
  • Save money with in-network dental visits

More reasons to choose Delta Dental

As a member, you’ll get access to services and offers — some exclusive to Delta Dental members — to help you save money and manage your health.

  • Smart ways to pay for healthcare

    Manage healthcare costs with ease. The Healthcare Spending Card⁴ through Lane Health lets you pay for dental and medical expenses over time with 0% financing⁵ — no annual fees and up to a $10,000 credit line.⁶

    Learn more about Lane Health

  • Save on everyday lifestyle brands

    Register for LifePerks and get special offers on health and wellness services. You also receive lifestyle deals such as pet insurance, meal kits, amusement parks and car rentals.

    Learn more about LifePerks

How to enroll

Enrolling in a Delta Dental FEDVIP plan is simple. Most people sign up during Open Season, but you can also enroll outside of Open Season if you're newly eligible or experience a qualifying life event. Either way, you’ll enroll through BENEFEDS, which is the official site for federal dental benefits.
 

Enrolling during Open Season

Open enrollment season is your once-a-year chance to pick the dental coverage that fits your needs. It’s the most common time to enroll in a Delta Dental FEDVIP dental plan.

To get started:

  1. Visit BENEFEDS.gov or call 1-877-888-FEDS (1-877-888-3337) TTY 711.
  2. Choose Delta Dental as your carrier.
  3. Pick your plan. Your benefits become effective January 1.

 

Enrolling outside of Open Season

Life doesn’t always stick to a schedule. If you're newly eligible or going through a qualifying life event, you may not have to wait for Open Season. You can enroll within 60 days if you’re:

  • A new federal employee
  • A retiring uniformed service member (can enroll between 31 days prior to military retirement date and 60 days following)
  • Experiencing a qualifying life event (QLE)
Enroll now

Plan resources

Find a Delta Dental dentist

Search our network to find your current dentist or find a new dental provider near you.

Attend a live webinar

Webinar dates:
Monday, Oct 27, 2025
Wednesday, Nov 5, 2025
Wednesday, Nov 19, 2025
Monday, Dec 1, 2025
Friday, Dec 5, 2025

Register for an Open Season webinar

FAQs

Both plans cover Class A preventive services at 100% when you see an in‑network provider. The High Plan adds higher coverage for major procedures, includes adult orthodontics, and features an unlimited in‑network annual maximum. The Standard Plan caps non‑orthodontic annual benefits at $1,500 in network and $1,000 out of network.

Eligible participants include federal employees, retirees, military retirees and their families, U.S. Postal Service employees and other qualified individuals such as survivors and compensationers. Eligible dependents include spouses and unmarried children (age limitations apply).

You may enroll during Open Season (November to early December). Newly eligible members or those with qualifying life events have a 60-day enrollment window from the eligibility date or life event.

Enroll on the official BENEFEDS.gov website or call 1-877-888-3337, TTY 711. Select Delta Dental and choose either the Standard or High Plan. After you enroll, you can refer to our Use your plan page to learn how to get the most from your benefits, like finding a dentist, printing your ID card and more.

A qualifying life event (QLE) is a major life change that lets you enroll in, change, or cancel your FEDVIP dental coverage outside of Open Season. Examples include getting married, having a child or losing other dental coverage. You typically have 31 days before and 60 days after the date of the event to make changes.

No. You can see any licensed dentist, but you can save up to 40% more when you use in‑network providers. Preventive services remain 100% covered when in network.

Need help?

Customer Service is available Monday through Friday (excluding federal holidays), 8 a.m. to 8 p.m., Eastern Time (ET).

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Call us at 1-855-410-3255

  1. Procedures and appliances to correct congenital or developmental malformations are not benefits. Please see plan brochure for a complete description of plan benefits, limitations and exclusions.
  2. Implants are limited to $2,500 per person per calendar year in-network or out-of-network, combined, under the High Option and count toward the annual benefit maximums.
  3. We negotiate rates with in-network providers that save members up to 40% on covered procedures. Savings estimate is evaluated according to National Provider File average procedure fees in August 2023 and may vary in your location and these rates may not apply to you. Some procedures may have waiting periods that apply before plan coverage takes effect. 
  4. Lane Health is a financial technology company, not a bank. The Healthcare Spending Visa® Card is issued by Lead Bank pursuant to a license from Visa USA Inc.
  5. Lane Health does not charge interest on, or an annual fee for, the Healthcare Spending VISA® Card. “0% financing” pertains to repayment options that do not charge interest (0% interest) nor fees ($0 fees). Each Advance can be repaid in full, 4-month term or 12-month term (with a minimum $3 due each payment period). Transactions other than qualified dental or hospital expenses (based on merchant category code) will be charged an origination fee of 5% and periodic finance fees. The location of the service provider is not determinative of whether a transaction is a qualified hospital expense. Rather, transactions made within or at a hospital (including but not limited to specialists, doctors, pharmacies, etcetera) are determined to be eligible by the associated MCC and not the location of the service provider in the hospital. New Advances, if eligible, can be repaid in full or over 4 installments with no origination or periodic finance fees. Subject to change without notice. Late fees apply. You can review the fee table at lanehealth.com/hsc-lb-dd-fees.
  6. Subject to line of credit approval