What is FEDVIP?
The Federal Employees Dental and Vision Insurance Program(FEDVIP), also known as the Federal Employee Dental Health Plan (FEHDP) is an initiative by the U.S. Department of Labor. The FEHDP provides dental and other benefits to U.S. federal employees, retired military personnel, and their spouses. The program was established in October 2007 with the passage of the Public Service Loan Interest Rate Retention Act (PSLIRR). The Act is also known as the COBRA Act. The purpose of the FEHDP is to provide dental coverage and other benefits to eligible U.S. citizens and eligible non-federal Employees or eligible non-military Reservists.
Because of the importance of dental health for our country’s entire workforce, and in particular for those retirees who are now approaching the age at which they may begin to experience the onset of chronic health problems, the National Institute of dental Services (NIDS) has developed and continually improves the FEHDP. Since its inception, the FEHDP has been revised to include a wider variety of coverage options for both retired and active duty retirees and their spouses. At the same time, changes have been made to make the program more user-friendly, while maintaining a high degree of protection for the program.
The FEHDP offers two primary benefits to eligible participants. The first is vision insurance. As part of its vision insurance benefit, FEDVIP coverage pays a portion of the cost of glasses or contacts for a certain period after the employee stops receiving them under the military program. For eligible participants, this coverage continues until the participant turns sixty-five years old. For retired military personnel and their spouses, it lasts for twenty-five years.
Another benefit of participating in the FEDVIP program is protection against certain types of blindness. In order to be eligible for vision insurance through FEDVIP, an eligible participant must be in excellent or good health. The screening used to determine this includes a visual acuity test called the ARI. Once the acuity has been determined, the participant must also undergo a screening for high blood pressure and cholesterol. If any of these screening tests indicates an existing condition, a patient will automatically be enrolled in the program.
After enrolling in FEDVIP, a qualified applicant can go through the enrollment process. To enroll, he or she must complete an application that includes a physical exam and a medical history form. After submitting the appropriate forms, a duplicate of the signed form is then mailed to the applicant. Eligibility for FEDVIP depends on a number of factors; the primary being age. Eligibility is also determined by whether an eligible applicant has lived in the United States for at least a year. Age requirements for FEDVIP may be increased if a person has reached a certain age, such as seventy-five or eighty.
Another benefit of FEDVIP is its discount program. This program allows eligible recipients of FEDVIP to receive a percentage of the discount that would be available to an in-network participant. Also, a monthly premium payment is required. A full in-network discount on dental services will typically apply to services received from licensed private dentists, but the discount on FEDVIP services is based on a sliding scale so that anyone who pays the same monthly premium will receive the same percentage of the discount.
A primary care physician must also participate in the program to treat patients. Because there are no deductibles, there are no premiums. However, all recipients of FEDVIP must agree to the participating in-network primary care physician or they will not receive any discounts on their services.
In order to take advantage of the benefits of the fedvip dental plan, you must first select a participating in-network dentists and complete an application. If you are approved, you will complete a paper copy of your application and send it to the agency by regular mail. Once your application is received, you will receive a discount card with your name printed on it.