Federal Employee Dental Insurance Plans

Comparing Dental Plans
So it's open season for government employees. That means reevaluating your health plan options, including Federal employee dental coverage. Federal employees have several dental insurance plans from which to choose.  While there are several to select, there are other more economical options beyond traditional insurance plans.

The Best Dental Plan for Federal Employees
These days, everyone is especially budget conscious. Take a look at a better approach that may save you even more on dental care - discount dental plans. The overall value is what you need to compare.

Keys things to review for dental plans:

• Can you review a fee schedule for ADA procedures upfront
• How much are the monthly premiums
• Do you need to provide co-pays
• What percentage will you have to pay
• Is there a yearly limit
• How long do I have to wait to use for braces and orthodontia 

Discount Dental Plans are a Better Value
When you add up what a family pays for dental insurance it's easy to see why more savvy consumers are turning to discount plans like the Careington Dental Plan.

You Pay Less and Get More Value. 
With discount dental plans, there are no high monthly costs, no waiting periods or dollar limits and you can use nationwide. The best part is that as a consumer you know upfront what you will pay. Careington has an easy to use tool that provides you with the already negotiated discount. That allows you to make an educated decision about your treatment and how you will pay for the procedure ... before you enter the dentist office. Dentists love the discount plans because they don't need to waste time and money filing insurance claims and they get paid at the time of service.They also offer a 30 day money back guarantee - so you can try it out see for yourself with no risk.

Compare for Yourself
Simply go to www.CareDP.com and see how much money a discount plan can save you on dental care.

Overview of of Available Federal Employee Dental Insurance Plans

Dental Plan	Brochure	Plan website	Provider Search
Aetna Life Insurance Company	[251 KB]
Government Employees Health Association, Inc. (GEHA)	[779 KB]
MetLife Inc.	[708 KB]
United Concordia Companies, Inc.	[679 KB]
Group Health, Inc. (Regional plan - see plan brochure for service area)	[158 KB]
Humana/CompBenefits (Regional plan - see plan brochure for service area)	[518 KB]
Triple S Salud, Inc. (Regional plan - see plan brochure for service area)	[769 KB]

Federal Dental Plan Benefits Overview

Federal Dental Insurance or Discount Dental Plan - Which is the Better Value?

So after reviewing the basic benefits offered by the Federal dental group plans there are some clear advantages of using an alternative and affordable dental discount plan like Careington Dental Plan for your family oral health care. 

• Provides coverage for your entire household with no age restrictions 
• Discounts for procedures like crowns and root canals.
• Most insurance plans require you wait at least 24 months before your family can use the plan for orthodontics, including braces. 
• Discount dental plans allow for instant use for braces and typically at the same cost but without high monthly insurance costs.
• Careington Discount Dental actually saves you instantly.

Fee Schedule Comparison
The biggest challenge for Federal employees trying to evaluate the best plan is that you can't find fee schedules for the "highest allowable fee" that the plans cite in their marketing information. We tried contacting Blue Cross Blue Shield and GEHA Federal Dental Programs to get actual fee schedules for ADA coded procedures for crowns and we were unable to get an actual cost. With discount dental plans like Careington, you have access to fee schedules using their simple to use online tool. Simply enter your zip code, select a dentist and you can see the agreed upon fees before you enter their practice.



Get More Info
You can fins more info about Federal Dental Insurance Plans at www.OPM.gov. Get more information on how to get the lowest cost for dental, please go to www.PortresGroup.CareDP.com.