December 31, 2018 marks the end of the TRICARE Retiree Dental Program (TRDP) as retirees will be required to enroll in a dental plan through the Federal Employees Dental and Vision Insurance Program (FEDVIP) to continue dental coverage. This year’s Open Season runs from November 12, 2018 through midnight EST December 10, 2018 for coverage effective January 1, 2019. It’s important to note that retirees will not automatically be enrolled in a FEDVIP plan for 2019 and must select a FEDVIP dental plan during Open Season to continue dental coverage.
Sponsored: Dominion Dental Services is proud to be one of the FEDVIP dental carriers available to you. We are the only Dental HMO plan offered through FEDVIP and are available to residents of DC, DE, MD, PA and VA. Click here to compare plans, view rates, search for a dentist and access additional resources.
With a wide selection of 10 different FEDVIP dental plans to choose from, below are some factors to consider when making the best choice.
- Find out how much dental treatment is covered. A Dental HMO (DHMO) plan includes predictable, pre-determined fees. They are designed for transparency for members and dentists in that there are specific copayments listed for each covered service. If you know what dental procedures you need to have completed, you will know how much you will pay for your dental care before you even go to the dentist.
- A PPO plan covers procedures as a coinsurance percentage and it might not be clear what your out-of-pocket costs will be. For example, a major service like a crown may be covered at 50% and you will need to determine how much your dentist will charge you for that procedure under the contracted arrangement with the dental plan to figure out your actual cost.
- It is helpful to understand your specific dental needs to make an informed decision. FEDVIP offers Standard and High Option plans. If you know if you need major dental work done, you may want to explore a High Option plan that may cover more of the cost for major restorative procedures. If you only need preventive dental care, a Standard Option plan may make more sense.
- Look for limitations such as annual maximums or lifetime maximums for orthodontia to ensure that you are not paying out-of-pocket after you’ve reached a plan’s limit.
- Lastly, how much is the monthly premium?
- Access to Care
- Look to see if the plan has any waiting periods that may be a barrier to receiving immediate care.
- Check to see if your dentist participates in the plan’s network. If you have long-term loyalty with your dentist, you will want to confirm that your dentist is in the network.
Sponsored: To enroll in one of Dominion’s dental plans, visit the BENEFEDS website during Open Season. Open Season runs from November 12, 2018 through December 10, 2018 EST.