Among the materials that OPM is making available in the open season is one underscoring that only limited dental and vision insurance coverage is available through the FEHB compared with those available through FEDVIP.
OPM advises checking with an FEHB plan’s brochure to determine exactly what vision services are covered. Diagnosis and treatment of medical conditions, such as glaucoma and cataracts, are covered while common services such as examinations, eyeglasses, contacts and replacement lenses may be covered, it says. However, “FEDVIP vision plans cover services that FEHB plans may cover plus frames, lenses (bifocal, trifocal, lenticular) and laser vision correction discounts.”
Separately, health care flexible spending accounts will reimburse expenses such as eye exams, vision correction procedures, vision therapy, eyeglasses and contact lenses, it says.
Similarly, OPM advises researching the dental benefits an FEHB plan offers. They may include dental services such as diagnostic services, preventive services, exams, x-rays, cleanings, and care for accidental injury. “FEDVIP dental plans cover services that FEHB plans may cover plus fillings, extractions, periodontal scaling, complete dentures and adjustments, root canals, crowns, oral surgery, and bridges. Orthodontic services are also covered under the dental FEDVIP plans.”
Meanwhile, non-cosmetic dental expenses are reimbursable under health care FSAs, it says.