FEDVIP Benefits 2025: Complete Guide to Federal Dental and Vision Insurance
If you’re a federal employee, retiree, or eligible family member, you’ve probably heard of FEDVIP (Federal Employees Dental and Vision Insurance Program). But many people don’t fully understand what it offers, who qualifies, and why it’s such a valuable part of the federal benefits package.
Here’s a breakdown of what you need to know about FEDVIP and how it can help you and your family maintain healthy smiles and clear vision.
What Is FEDVIP?
FEDVIP is a program administered by the U.S. Office of Personnel Management (OPM) that provides voluntary dental and vision insurance to eligible federal employees, retirees, and certain military members. Unlike the Federal Employees Health Benefits (FEHB) program, which covers medical insurance, FEDVIP focuses specifically on dental and vision care (areas that FEHB plans typically don’t cover in depth).
FEDVIP is offered through BENEFEDS, the secure enrollment and premium processing system that manages the program.
Who Is Eligible?
You may be eligible for FEDVIP if you are:
A federal employee eligible for FEHB coverage
A retiree eligible to receive an annuity (including FERS and CSRS retirees)
A uniformed service member or retiree (TRICARE-eligible individuals can also enroll)
An eligible family member of someone in one of these groups
Enrollment generally happens during the Federal Benefits Open Season, which usually runs from mid-November to mid-December each year. However, certain qualifying life events like marriage, birth of a child, or loss of other coverage allow you to enroll or change plans outside of that window.
Key Benefits of FEDVIP
🦷 Comprehensive Dental Coverage
FEDVIP offers a wide range of dental plans from carriers like MetLife, Delta Dental, GEHA, and United Concordia.
Depending on your plan, benefits may include:
100% coverage for routine cleanings and exams
Orthodontic coverage for adults and children
Coverage for major services like crowns, root canals, and dentures
No waiting periods for most services
Large national provider networks
👓 Vision Coverage You Can See the Value In
FEDVIP vision plans offered by providers such as FEP BlueVision (Blue Cross Blue Shield), MetLife, and VSP typically include:
Annual eye exams with low copays
Coverage for eyeglass frames, lenses, and contact lenses
Discounts on laser vision correction
Access to extensive national networks of optometrists and ophthalmologists
💰 Flexible Premiums and Easy Payroll Deduction
Premiums vary depending on the plan and coverage level you choose (self, self + one, or self + family), and they’re automatically deducted from your paycheck or annuity on a pre-tax basis making enrollment and payment simple.
Why Enroll in FEDVIP?
Even if you already have medical insurance through FEHB or another source, dental and vision costs can add up quickly. FEDVIP provides an affordable way to manage these expenses while protecting your long term health.
Regular dental checkups can help prevent costly procedures down the line, while annual eye exams can catch early signs of conditions like glaucoma, diabetes, or high blood pressure.
FEDVIP also provides flexibility. You can choose from multiple national and regional carriers, compare costs easily on BENEFEDS.com, and tailor coverage to your family’s specific needs.
How to Enroll
Visit BENEFEDS.com.
Review available dental and vision plans for your area.
Compare benefits, premiums, and provider networks.
Enroll during Open Season or after a qualifying life event.
The Bottom Line
FEDVIP is one of the most valuable but sometimes overlooked benefits available to federal employees and retirees. With affordable premiums, extensive provider networks, and flexible coverage options, it’s an excellent way to protect your dental and vision health—and your wallet.
If you’re not yet enrolled, take some time this Open Season to explore your options on BENEFEDS.com and see how FEDVIP can help you and your family stay healthy and smiling all year long.