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Dental plans for federal employees and retirees

Get familiar with the dental coverage you receive as a High Option or Consumer Driven Option member.

Explore High Option and Consumer Driven Option dental benefits

HIGH OPTION

The High Option covers
routine dental care

The High Option pays 70% of the Plan allowance for dental office visits, exams, cleanings, x-rays, fluoride treatment, fillings, and simple extractions. Members pay 30% of the cost, plus any difference between our allowance and the billed amount (no deductible).

CONSUMER DRIVEN OPTION

Save on dental care by using dentists in the Careington Dental Discount Network

Save 20% to 50% on most procedures at thousands of participating dentists nationwide. Transparent pricing with fee schedules let you know what each treatment costs before your appointment. Use your Personal Care Account (PCA)—up to $400 for Self or $800 for Self Plus One and Self & Family—to pay for dental care each calendar year.

Dental plans for federal employees and retirees

Explore High Option and Consumer Driven Option dental benefits

HIGH OPTION

CONSUMER DRIVEN OPTION

Need help finding a health plan that’s right for you?

Download and access Health Plan resources

2025 Federal Brochure

2025 FEHB High Option Summary of Benefits and Coverage (SBC)

2025 FEHB Consumer Driven Option Summary of Benefits and Coverage (SBC)

View all Health Plan Resources

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