Retirement Planning Retirement PlanningRetirement Planning
Advice on how to prepare for life after government.

Choosing Dental Coverage

Just like you, I'm looking forward to having dental and vision benefits next year through the Federal Employees Dental and Vision Insurance Program. I've been busy analyzing the new federal dental plans to see which one will be best for my family. I thought you might benefit from taking an inside look at the method I'm using, since you're probably also wondering which dental plan will be best for you. The Basics

I started with some simple questions about the various plan choices:

  • What does it cost?
  • What is the maximum benefit?
  • What are the deductibles and co-pays?
  • Can I use my own dentist?
  • What about the coverage I already have through the Federal Employees Health Benefits Program?
Then I made a list of some of my family's needs and concerns:
  • Four eligible family members (our oldest son will drop off next year when he turns 22).
  • We want to keep going to the dentist we've used for 25 years, and he doesn't participate in any dental plan.
  • Dental checkups and cleanings twice per year.
  • X-rays once per year.
  • The kids need occasional fillings, but they're past orthodontics needs.
  • My husband and I are getting into the age group where crowns and root canals are more common.
Comparing the Plans

After listing my questions and concerns, I headed over to the Office of Personnel Management's dental plan site to do some research. Its handy comparison chart helped me start narrowing my decision.

Our FEHBP plan will be our primary payer for dental services, and then the dental coverage will pay. Most FEHBP plans do not provide much in the way of dental coverage.

I had to start by eliminating plans that wouldn't cover our dentist and those that weren't available in our area. I liked the high $3,000 annual maximum benefit of MetLife High Option. That would come in handy for those crowns and root canals. I also liked GEHA High Option's low 20 percent co-pay on intermediate services (which include the following: restorative procedures such as fillings, prefabricated stainless-steel crowns, periodontal scaling, tooth extractions and denture adjustments).

To see exactly what services we might need to use, I reviewed our dental bills for this year. I was surprised to see that our total expenses added up to $3,403. All of our services were minor and intermediate. Two family members had several fillings. Our son had his four wisdom teeth removed. We all had X-rays, two cleanings and two dental exams.

Our current FEHBP plan paid $360 for the services. The rest was paid out of our flexible health care savings account. After analyzing each expense, I figure that the most one of the new dental plans might have paid was around $2,000. In reality, the plans probably would pay less than my estimate, since going out of network will limit the reimbursement to the usual "customary and reasonable" charges.

The annual cost for the MetLife Dental plan is $1,226.68. Employees (but not retirees) have the advantage of not paying taxes on the income used to cover these premiums, so net cost is more like $850. Since it's still early in the open season, I will continue to compare the MetLife high option with the GEHA and Aetna high-option plans. Then I'll make my decision by Dec. 11.

Your Choice

Now it's your turn.

  • Step one: What are your needs?
  • Step two: What are your questions?
  • Step three: Get the answers.
  • Step four: Choose a plan and sign up at, or call: 1-877-888-FEDS. Do not try to enroll using an FEHBP enrollment form, or through your agency's electronic system. It won't work.
  • Step five: Adjust your Flexible Spending Account since you will have lower out-of-pocket dental expenses next year.
For more information, listen to the "For Your Benefit" program on Federal News Radio Saturday, Nov. 18 at 10 a.m. EST (or anytime after that; the show will be archived on the Web site). Our guest will be Walton Francis, author of Checkbook's Guide to Federal Health Plans. Walt will share his views on the new federal dental and vision plans. Tammy Flanagan is the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars. She has spent 25 years helping federal employees take charge of their retirement by understanding their benefits.

Tammy Flanagan has spent 30 years helping federal employees take charge of their retirement by understanding their benefits. She runs her own consulting business at and provides individual counseling as well as online training for the National Active and Retired Federal Employees Association, Plan Your Federal Retirement as well as the Federal Long Term Care insurance Program. She also serves as the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars.

For more retirement planning help, tune in to "For Your Benefit," presented by the National Institute of Transition Planning Inc. live on Federal News Radio on Mondays at 10 a.m. ET on WFED AM 1500 in the Washington-metro area. Archived shows are available on

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