Plan Information

Why Choose Delta Dental?

Delta Dental advantages
  • Affordable premiums
  • A choice of two great plans
  • Nationwide dentist network
  • FSAFEDS paperless reimbursement

We Have a Plan that’s Right for You

A dental plan helps you keep your teeth and gums healthy and minimizes the impact of unexpected expenses. There's a lot to consider when choosing the best plan for you. Federal employees, annuitants, and their eligible family members have a choice of two comprehensive dental plans from Delta Dental.

Delta Dental Federal Employees Dental Insurance Program

Delta Dental also now offers FSAFEDS paperless reimbursement of your Delta Dental claims. If you sign up for a Health Care Flexible Spending Account (HCFSA) and paperless reimbursement, FSAFEDS will automatically reimburse your eligible out-of-pocket-dental expenses directly to your checking or savings account via electronic funds transfer with little or no paperwork involved.

Compare Your Options with Delta Dental

Delta Dental offers Federal Employees the option of enrolling in either the Standard or High plan. Your out-of-pocket expense for procedures will be less with the High plan, but the premiums will be less with our Standard plan. With both options, there is no deductible and 100% of the costs are covered with basic services like exams and cleanings. Note the some Federal Employees Health Benefits (FEHB) medical plans offer dental coverage and, per OPM rules, FEHB coverage will always be primary to Delta Dental’s coverage.

Sample Benefits
Standard Plan High Plan
Benefit In Network Out of Network In Network Out of Network
Basic Services - Class A:
(Diagnostic, Preventive)
100% 60% 100% 90%
Intermediate Services - Class B:
(Minor restorative, endodontic, periodontic, prosthodonic, oral surgery)
55% 40% 70% 60%
Major Services - Class C:
(Major restorative, endodontic, periodontic, prosthodonic)
35% 20% 50% 40%
Orthodontic Services – Class D 50% 50% 50% 50%
General Services 55% 40% 70% 60%
(Class A and D services are exempt from the deductible. All other covered services are exempt from the deductible only when provided by a participating network dentist.)
$0 $75* $0 $50
Annual Benefit Maximum
$1,500 $600 $4,000 $3,000
Orthodontic Lifetime Maximum
(Children up to age 19)
$2,000 $1,000 $2,000 $2,000
Orthodontic Waiting Period 12  months 12  months 12  months 12  months

This is a brief description of services covered under the Delta Dental Federal Employees Dental Program. Do NOT rely on this chart alone. All benefits are subject to the definitions, limitations and exclusions set forth in the dental brochure.

*Some print versions of the 2017 Enrollment Brochure may incorrectly list the Standard Plan Out-of-Network deductible as $0. Please note the correct Standard Plan Out-of-Network deductible is $75.00, as shown in the above chart. Additionally, the “In Network” column under the High Plan was mislabeled “Self Only” in the same print versions of the brochure.

Enroll Now

Premium Rates

Save Money with a Network Dentist

Whether you need coverage for yourself, or your entire family, Delta Dental’s options provide the confidence that your smile and wallet are protected. Delta Dental offers a large, nationwide network of quality dentists. Save on out-of-pocket costs by seeing a Delta Dental PPO network dentist.

Have Questions?

Get answers to frequently asked questions (FAQs).

Enroll Now

  1. Go to
  2. Click on Enroll in a Plan, and choose Dental.
  3. Select Delta Dental.

Or call BENEFEDS at
1-877-888-FEDS (3337)

Premium Rates

Determine your premium rate with our Rate Calculator, or visit

Find a Network Dentist

Find a Delta Dental PPO network dentist near you.

Dentist Directory


Oral Health

SmileWay wellness logo

Our SmileWay Wellness program has information about oral health to help create added value from our dental insurance.

Check out our Wellness Site