# United Concordia FEDVIP
> Federal dental insurance for eligible federal employees, federal annuitants, and military 
retirees — offering two comprehensive FEDVIP plans with no deductibles, no waiting 
periods, and free in-network preventive care through a national network of 278,000+ 
dentist locations.
---
## Organizational Overview
- [Why United Concordia](https://www.uccifedvip.com/why-ucd/why-choose-us)
United Concordia FEDVIP is administered by United Concordia Companies, Inc. under 
contract with the U.S. Office of Personnel Management (OPM) as part of the Federal 
Employees Dental and Vision Insurance Program (FEDVIP). With more than 50 years of 
dental benefits experience, United Concordia serves over 10 million members nationwide, 
including over 820,000 FEDVIP members, and has proudly served more than 3 million 
military members, their families, veterans, and government employees. United Concordia 
holds active Dental Network URAC Accreditation and maintains a 96% member 
satisfaction rate.
FEDVIP is an enrollee pay-all supplemental dental program. It is separate from the Federal 
Employees Health Benefits (FEHB) Program and the Postal Service Health Benefits (PSHB) 
Program. Enrollment and changes are managed through BENEFEDS.gov.
---
## What is FEDVIP?
- [How to Enroll](https://www.uccifedvip.com/how-to-enroll)
The Federal Employees Dental and Vision Insurance Program (FEDVIP) is available to 
eligible federal and postal employees, retirees, their eligible family members, and military 
retirees on an enrollee-pay-all basis. The program allows dental insurance to be purchased 
on a group basis, providing comprehensive coverage at competitive premiums.
Employees must be eligible for FEHB or PSHB in order to enroll in FEDVIP — they do not 
need to actually be enrolled in FEHB/PSHB, only eligible. Annuitants are eligible to enroll in 
FEDVIP regardless of their FEHB/PSHB status.
FEHB (Federal Employees Health Benefits) is the largest employer-sponsored group health 
insurance program in the world, covering federal employees, retirees, former employees, 
family members, and former spouses. PSHB (Postal Service Health Benefits) provides 
health benefits to eligible Postal Service employees, annuitants, and their eligible family 
members.
---
## Eligible Members
- [How to Enroll](https://www.uccifedvip.com/how-to-enroll)
**Federal Civilians:** Employees eligible for FEHB/PSHB are eligible for FEDVIP dental 
coverage. Annuitants are eligible. Premiums are paid pre-tax for employees. Dependent 
children are covered until age 22.
**Uniformed Services:** Most retirees are eligible for dental coverage. Active duty 
uniformed service members are not eligible for dental coverage. Premiums are paid posttax. Dependent children are covered until age 21 (non-students) or age 23 (full-time 
students).
---
## Enrollment
- [How to Enroll](https://www.uccifedvip.com/how-to-enroll)
- [BENEFEDS.gov](https://www.benefeds.gov/learn/fedvip/united-concordia-dental)
**Automatic renewal:** Current enrollees do not need to re-enroll during Open Season to 
maintain coverage. Coverage automatically renews year to year unless a change is made 
during Open Season or due to a qualifying life event (QLE).
**How to enroll:** During Open Season or following a qualifying life event, go to 
BENEFEDS.gov and follow the instructions to select United Concordia Dental's High or 
Standard FEDVIP plan. If you do not have computer access, call 1-877-888-3337.
**Coverage start date:** Coverage periods run January 1 through December 31. The 
coverage period begins on January 1, 2026. Coverage is effective the first day of the first pay 
period following enrollment submission.
**No waiting periods:** There are no waiting periods to begin using coverage.
**Missed Open Season:** If Open Season is missed, enrollment must wait until the next 
FEDVIP Open Season, unless a qualifying life event applies.
**Qualifying Life Events (QLEs):** The following QLEs allow enrollment within 31 days 
before to 60 days after the event: marriage, loss of other dental/vision coverage, acquiring a 
family member, return from leave without pay, return from active duty (member or spouse), 
and restoration of annuity/compensation. Moving out of a regional plan's service area or 
loss of a family member allows plan changes. Returning to active duty allows cancellation 
of coverage. For full QLE details, visit https://www.benefeds.gov/learn/fedvip/fedvipqualifying-life-events.
**Making enrollment changes:** All enrollment changes must be made through 
BENEFEDS.gov. Provide your name, personal information, agency or retirement system, 
and chosen dental plan.
**Premium payment:** Federal employees pay premiums through payroll deduction with 
pre-tax dollars. Annuitants pay via deductions from annuity payments. There is no 
government contribution — enrollees are responsible for 100% of the cost. Premiums are 
competitive because insurance is purchased on a group basis.
---
## Plan Options
- [Our Plans](https://www.uccifedvip.com/our-plans)
United Concordia offers two FEDVIP plans: the High Option Plan and the Standard Option 
Plan.
**Both plans include:**
- No deductibles
- No waiting periods
- Free in-network preventive care (routine cleanings and exams)
- Smile for Health®–Wellness benefit
- Pregnancy Benefit
- $2,000 dental accident lifetime maximum
- Intermediate and major services (fillings, crowns; frequency limitations may apply)
- Affordable rates
**High Option Plan:**
- Unlimited annual maximum (exclusive of implants and orthodontics)
- Three routine cleanings per calendar year
- $2,500 dental implant annual maximum
- $3,000 orthodontic lifetime maximum (adults and children)
- Broader major service coverage
**Standard Option Plan:**
- $1,000 annual maximum
- Two routine cleanings per calendar year
- $1,500 orthodontic lifetime maximum (children to age 19 only)
- No dental implant coverage
---
## 2026 Plan Year Coverage — What United Concordia Pays
- [Our Plans](https://www.uccifedvip.com/our-plans)
**Basic Services (Class A) — Exams, X-rays, Cleanings, Fluoride, Sealants, Space 
Maintainers:**
- High Option In-Network: 100% | Out-of-Network: 80%
- Standard Option In-Network: 100% | Out-of-Network: 60%
**Dental Accident Services:**
- Both plans: 100% in-network and out-of-network
**Intermediate Services (Class B) — Fillings, Stainless Steel Crowns (to age 14), Pulpal 
Therapy, Periodontal Scaling/Root Planing, Denture Repair, Oral Surgery:**
- High Option In-Network: 80% | Out-of-Network: 60%
- Standard Option In-Network: 55% | Out-of-Network: 40%
**Major Services (Class C) — Crowns, Inlays, Onlays, Posts, Cores, Single Implant Crowns, 
Root Canals, Periodontal Surgery, Dentures, Bridges:**
- High Option In-Network: 50% | Out-of-Network: 40%
- Standard Option In-Network: 35% | Out-of-Network: 20%
**Orthodontic Services (Class D):**
- High Option: 50% for adults and children (in-network and out-of-network)
- Standard Option: 50% for children to age 19 (in-network and out-of-network)
**General Anesthesia:**
- High Option In-Network: 80% | Out-of-Network: 60%
- Standard Option In-Network: 55% | Out-of-Network: 40%
---
## Value-Added Programs
- [Our Plans](https://www.uccifedvip.com/our-plans)
**Smile for Health®–Wellness:** Included with both plans at no additional cost. Members 
with diabetes, heart disease, rheumatoid arthritis, lupus, oral cancer, or who have had a 
stroke or organ transplant are eligible for additional periodontal services, including one 
extra periodontal maintenance visit per year, scaling and root planing, and periodontal 
surgery — all covered at 100% in-network and out-of-network. Members must register 
through MyDentalBenefits at uccifedvip.com/smile-for-health-wellness.
**Pregnancy Benefit:** Covered members who are pregnant receive one extra cleaning 
covered at 100%, plus coverage for additional procedures necessary to treat or manage 
gum disease during pregnancy, at no additional cost. Members must register through 
MyDentalBenefits at uccifedvip.com/pregnancybenefit.
**Sonicare Discount:** United Concordia has partnered with Philips to offer FEDVIP 
members 20% savings on select Sonicare electric toothbrushes and air flossers for adults 
and kids.
---
## Understanding Benefits
- [Our Plans](https://www.uccifedvip.com/our-plans)
**Annual maximum:** The maximum dollar amount the plan will pay toward an individual's 
dental care during a plan year. The High Option plan has an unlimited annual maximum 
(exclusive of implant services and orthodontics) with a $2,500 annual maximum for dental 
implant services. The Standard Option plan has a $1,000 annual maximum.
**Lifetime maximum:** The maximum benefit amount available for a specific service or 
group of services. The High Option plan has a $3,000 orthodontic lifetime maximum. The 
Standard Option plan has a $1,500 orthodontic lifetime maximum. Both plans have a 
$2,000 dental accident lifetime maximum.
**Orthodontic continuity note:** If a United Concordia participant is enrolled as of 
December 31, 2025, is undergoing active orthodontic treatment, and renews enrollment in 
2026, claims for that treatment will continue to be processed under the 2025 plan's
lifetime orthodontia maximum and co-insurance for the duration of the approved treatment 
plan.
**Explanation of Benefits (EOB):** A statement sent to members each time a dental claim 
is processed. The EOB shows expenses submitted by the dentist and how the claim was 
processed, including services covered, amounts paid by United Concordia, amounts not
covered, and benefit limitations. The EOB includes four sections: claim information, 
service and coverage information, explanations of limitations or exclusions, and patient 
summary. Members can register in MyDentalBenefits to receive paperless EOBs.
**Predetermination:** An estimate of costs (also called a "Pre-D") obtained before 
treatment begins. It shows what services will be covered, what the plan will pay, and what 
the member will owe. United Concordia recommends requesting a predetermination for all 
proposed treatments over $300. The dentist submits the treatment plan and both the 
dentist and member receive a predetermination notification.
**Dental accident benefit:** A dental accident is an injury to sound natural teeth caused 
by a violent external force such as a fall or blow to the mouth. United Concordia pays 100% 
of the program allowance for covered services related to accidental dental injuries, up to a 
$2,000 lifetime maximum. This benefit is separate from the annual maximum.
**Implant prosthetic:** Typically composed of a post attached to the jawbone and a crown 
placed on top. Implant-related procedure codes may be covered under Class C services if 
dentally necessary. The High Option plan includes a $2,500 annual implant maximum.
**Plan changes mid-treatment:** Services initiated, prescribed, or performed prior to the 
effective coverage date are not covered. Orthodontic treatment in progress will be 
prorated.
---
## Rates and Premiums
- [Our Rates](https://www.uccifedvip.com/our-rates)
Premium rates vary by plan and by location (rating area). A rating area is a group of ZIP 
codes that corresponds to a particular rate. Use the rate calculator at uccifedvip.com/ourrates with your home ZIP code to determine your specific premium. Federal employees pay 
premiums through payroll deduction using pre-tax dollars. Annuitants pay via annuity 
payment deduction. There is no government contribution toward FEDVIP premiums.
---
## Network
- [Find a Dentist](https://www.uccifedvip.com/find-a-dentist/#/)
United Concordia's FEDVIP network includes 278,000+ rural and urban office locations 
nationwide. 94.4% of FEDVIP members have two or more in-network dentists within 10 
miles of home or work. All in-network dentists undergo thorough credentialing through 
United Concordia's quality assurance process.
**Benefits of visiting an in-network dentist:**
- In-network dentists accept negotiated fees (maximum allowable charges, or MACs) as 
payment in full for covered services and cannot bill members for the difference between 
their standard charges and the MACs.
- United Concordia pays a greater percentage of dental bills for in-network visits.
- In-network dentists file claims on behalf of members.
**Out-of-network dentists** can bill members for the difference between their standard 
charges and the MACs, resulting in higher out-of-pocket costs.
**Visiting any dentist:** Members may visit any licensed dentist in the U.S. and its 
territories. United Concordia does not have in-network dentists outside the U.S. and its 
territories, so international visits will incur higher out-of-pocket costs.
**Finding a dentist:** Use the Find a Dentist tool at uccifedvip.com/find-a-dentist to 
search by name, specialty, city, county, or ZIP code. You can compare dentists side by side 
and get driving directions. You may also call 1-877-394-8224, Monday–Friday, 8 a.m.–8 p.m. 
ET.
**Nominating a dentist:** Members can nominate their current out-of-network dentist to 
join the network by submitting the Nominate Your Dentist form at uccifedvip.com. Dentists 
can also call 1-877-394-8224 or download an application directly.
**Specialists:** No referral is required to see a specialist. Exceptions apply for limited 
access areas and international care. Out-of-network specialist visits may result in higher 
costs. Requesting a predetermination before extensive treatment (over $300) is 
recommended.
**Same-day cleanings:** Routine cleanings cannot be performed on the same day by the 
same dentist.
**Family dentist flexibility:** Family members may each visit different dentists, including 
different in-network or out-of-network providers.
**Claims:** In-network dentists file claims automatically. For out-of-network visits, 
members must submit claims themselves online or by mail to: Dental Claims – FEDVIP, 
P.O. Box 69416, Harrisburg, PA 17106-9416.
**Limited access areas:** Geographic regions where OPM has identified fewer in-network 
dentists relative to the federal employee population. Members in limited access areas who 
use out-of-network dentists will have those services paid at in-network coinsurance levels. 
To find out if you live in a limited access area, call 1-877-394-8224.
---
## Coordination of Benefits (COB)
- [Our Plans](https://www.uccifedvip.com/our-plans)
If a member is covered by two or more plans, coordination of benefits ensures total 
payments do not exceed 100% of total expenses. United Concordia coordinates benefits 
with non-FEHB/non-PSHB carriers and with other group health coverage.
**FEDVIP vs. spouse's coverage:** FEDVIP is primary for the member; the spouse's plan is 
secondary. The spouse's plan is primary for the spouse; FEDVIP is secondary. For 
dependent children, the plan of the parent with the earliest birth date (month and day) 
typically pays first.
**FEDVIP and FEHB/PSHB:** By law, FEDVIP must be the second payor when the member 
has dental coverage through their FEHB/PSHB plan. FEHB/PSHB pays first; FEDVIP 
supplements. FEDVIP cannot be designated as first payor over an FEHB/PSHB dental 
benefit.
**Enrolling in FEDVIP when already covered by FEHB/PSHB:** FEDVIP provides additional 
coverage beyond what most FEHB/PSHB plans offer, including extensive intermediate and 
major service coverage such as fillings, oral surgery, periodontal care, crowns, and dental 
accident coverage.
**FEHB/PSHB dental HMO:** If an EOB is unavailable, the dentist may indicate the amount 
paid by the first payor on the claim form. If no payment information is available, United 
Concordia will estimate the amount the FEHB/PSHB plan paid and facilitate coordination 
accordingly.
---
## Member Tools and Services
- [Member Info](https://www.uccifedvip.com/member-info/members)
**MyDentalBenefits:** Available online at uccifedvip.com and through the free United 
Concordia mobile app (iOS and Android). Members can access eligibility and benefits 
information, claim status, EOBs, procedure history, claims payment details, network 
dentist search, ID cards, live chat, and cost estimator tools — all available 24/7.
**Cost Estimator:** Provides a comparison of in-network and out-of-network cost ranges 
for dental procedures. Available through MyDentalBenefits.
**Interactive Voice Response (IVR):** Automated phone system available 24/7 for 
eligibility, benefits, and claim status information.
**Mobile app:** Download the United Concordia Dental mobile app from the Apple App 
Store or Google Play to manage plan information on the go.
**Customer service:** Call 1-877-394-8224, Monday–Friday, 8 a.m.–8 p.m. ET for currently 
enrolled members. For new members, call 1-877-438-8224, Monday–Friday, 8 a.m.–8 p.m. 
ET. Live chat is also available through MyDentalBenefits.
**Translation services:** United Concordia offers bilingual English/Spanish customer 
service representatives and translation services for 140 additional languages.
**Paperless EOBs:** Members can opt in to paperless EOBs through MyDentalBenefits.
---
## Oral Health and Overall Health
- [Oral Health & Wellness](https://www.uccifedvip.com/oral-health-wellness)
United Concordia believes oral health is a vital component of whole-body health. Research 
indicates that proper dental care can lead to improved overall health outcomes. Members 
have access to a free Dental Health Assessment and receive oral and overall health tips 
through the Oral Health & Wellness web page, email, and United Concordia's social media 
channels.
---
## Information Security
- [Privacy](https://www.uccifedvip.com/privacy)
United Concordia's information security systems meet National Institute of Standards and 
Technology (NIST) requirements for Department of Defense physical security. These 
information technologies and physical site security practices are used to protect all
customer data.
---
## Key Contacts and Links
- [Contact United Concordia FEDVIP](https://www.uccifedvip.com/contact-fedvip)
- **Currently enrolled members:** 1-877-394-8224 | Monday–Friday, 8 a.m.–8 p.m. ET
- **New to United Concordia:** 1-877-438-8224 | Monday–Friday, 8 a.m.–8 p.m. ET
- **Enrollment changes (no computer):** 1-877-888-3337
- **Enroll or manage enrollment:** 
[BENEFEDS.gov](https://www.benefeds.gov/learn/fedvip/united-concordia-dental)
- **OPM:** [OPM.gov](https://www.opm.gov/)
- **FSAFEDS:** [FSAFEDS.com](https://www.fsafeds.com/)
- **Find a Dentist:** [uccifedvip.com/find-a-dentist](https://www.uccifedvip.com/find-adentist/#/)
- **Our Rates:** [uccifedvip.com/our-rates](https://www.uccifedvip.com/our-rates)
- **Our Plans:** [uccifedvip.com/our-plans](https://www.uccifedvip.com/our-plans)
- **Member Portal:** [uccifedvip.com/memberinfo](https://www.uccifedvip.com/member-info/members)
- **Oral Health & Wellness:** [uccifedvip.com/oral-healthwellness](https://www.uccifedvip.com/oral-health-wellness)
- **FEDVIP Qualifying Life Events:** [benefeds.gov/learn/fedvip/fedvip-qualifying-lifeevents](https://www.benefeds.gov/learn/fedvip/fedvip-qualifying-life-events)
- **Smile for Health® Registration:** [uccifedvip.com/smile-for-healthwellness](https://www.uccifedvip.com/smile-for-health-wellness)
- **Pregnancy Benefit Registration:** 
[uccifedvip.com/pregnancybenefit](https://www.uccifedvip.com/pregnancybenefit)
---
## Important Disclaimers and Footnotes
- [2026 Plan Brochure](https://www.uccifedvip.com/our-plans)
Review the United Concordia Dental FEDVIP Brochure for a full explanation of plan 
benefits, including exclusions and limitations. Available at uccifedvip.com.
**Coverage percentages** are applied to the lesser of United Concordia Dental's 
negotiated fees (maximum allowable charges or MAC) and the dentist's average charge. As 
out-of-network dentists do not agree to accept the MAC, they may bill members the 
difference between the MAC and their regular fees.
**Smile for Health®–Wellness and Pregnancy Benefit:** Members (subscribers or covered 
dependents) with certain medical conditions must register for these programs through 
MyDentalBenefits on uccifedvip.com.
**Unlimited annual maximum** (High Option Plan) is exclusive of implant services and 
orthodontics.
**Standard Option annual maximum** changed from $1,500 in 2025 to $1,000 for coverage 
beginning January 1, 2026.
**Standard Option orthodontic lifetime maximum** decreased from $2,000 to $1,500, 
combined for both in-network and out-of-network services. This new $1,500 lifetime 
maximum applies to a dependent child's orthodontic course or phase of treatment that 
begins on January 1, 2026 or after.
**Orthodontic continuity:** If a United Concordia participant is enrolled as of December 
31, 2025, is undergoing active orthodontic treatment, and renews enrollment in 2026, 
United Concordia will continue to process claims for that treatment under the 2025 plan's 
lifetime orthodontia maximum and co-insurance. This applies for the duration of the 
approved treatment plan, even if it extends into 2026 or beyond. "Active orthodontic 
treatment" includes the initial placement of the appliance and any ongoing treatment 
provided by a United Concordia Dental-approved orthodontist.
**Pregnancy Benefit surgical procedures:** Covers four procedures related to gingival flap 
or osseous surgeries, if necessary in accordance with United Concordia Dental policies, as 
demonstrated by the dentist's submitted documentation.
**Network and member statistics** are based on August 2025 United Concordia Dental 
internal research and reports: 94.4% of FEDVIP members have two dentists within 10 miles 
of home or work; 96% customer satisfaction rate.
**FEDVIP is an enrollee pay-all program.** By law, there is no government contribution 
toward premiums.
**FEDVIP and FEHB/PSHB coordination:** By law, FEDVIP must be the second payor when 
a member has dental coverage through an FEHB or PSHB plan. FEDVIP cannot be 
designated as first payor over an FEHB/PSHB dental benefit.
**Language assistance** is available at no cost. Contact United Concordia at 1-877-394-
8224 for interpreter services in 140+ languages.
---
*©2026 United Concordia Companies, Inc. All Rights Reserved. United Concordia has 
active Dental Network URAC Accreditation. United Concordia Dental® is a registered 
trademark of United Concordia Companies, Inc. Smile for Health® is a registered trademark 
of United Concordia Companies, Inc. This document is for informational purposes only. For 
complete plan details, exclusions, and limitations, refer to the official United Concordia 
Dental FEDVIP Plan Brochure available at uccifedvip.com or opm.gov.*