Comprehensive Dental Coverage for the Whole Family
Federal employees have access to dental coverage through FEDVIP, but premiums, networks, annual maximums, and orthodontic coverage vary widely between plans. GRS helps you compare FEDVIP plans alongside private alternatives, ensuring you get the best coverage for preventive care, major procedures, and orthodontics without overpaying.
With quality dental insurance, a modest monthly premium can save thousands on routine and major dental work over the course of a career.
Oral Health & Overall Health
Research links poor oral health to heart disease, diabetes, respiratory illness, and pregnancy complications. Routine preventive dental care delivers roughly a 3:1 return on investment by catching and preventing costly conditions early.
Quality dental insurance makes preventive care affordable, protecting both your smile and your health.
What Dental Insurance Covers
Preventive Care (100%)
Cleanings, X-rays, fluoride treatments, and exams are typically covered at 100%, the foundation of long-term oral health.
Basic Restorative
Fillings, extractions, and simple oral surgery covered at 70–80% after your annual deductible is met.
Major Restorative
Crowns, bridges, dentures, and implants covered at 50% of allowed costs, with annual maximums of $1,500–2,000.
Orthodontics
Braces and clear aligners for children and adults, with lifetime orthodontic maximums from $1,000–3,000 depending on plan.
Oral Surgery
Wisdom tooth extractions and complex oral surgeries covered under major services with specialist referrals.
Nationwide PPO Networks
Access to large national PPO networks so you can see your preferred dentist wherever you live or work.
Dental Coverage Gaps for Government Employees
FEDVIP Annual Maximums Are Low
Many FEDVIP plans cap annual benefits at $1,500–2,000. A single crown costs $1,000–1,500. One major procedure can exhaust a full year of dental coverage.
Orthodontics Not Always Covered Sufficiently
Children frequently need orthodontic treatment, but FEDVIP orthodontic lifetime maximums vary widely. Some plans offer as little as $1,000 in lifetime coverage.
Limited Implant Coverage
Dental implants are increasingly the preferred tooth replacement option, but many dental plans offer minimal or no implant coverage at all.
Out-of-Network Costs
Using a dentist outside the plan network can leave patients responsible for the full cost of care. Confirming your dentist is in-network before treatment is essential.
Get the Right Dental Coverage Today
A GRS specialist will compare FEDVIP and private dental plans to find the best combination of coverage, network, and premium for your family's dental needs.
Schedule Consultation