USPS Dental Insurance for Postal Workers Overview

The United States Postal Service (USPS) offers dental insurance to its employees, a benefit that's hard to find in many other industries.

Eligible postal workers can enroll in the Federal Employees Dental and Vision Insurance Program (FEDVIP).

This program offers a range of dental plans to choose from, each with its own set of benefits and costs.

USPS employees can select from several FEDVIP dental plans, including the Delta Dental Premier plan, which provides coverage for routine cleanings, fillings, and other essential dental services.

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The 2025 EmblemHealth FEDVIP Dental Program covers a wide range of dental services, including preventive and diagnostic services, intermediate services, and major services.

Preventive and diagnostic services cover exams, x-rays, cleanings, sealants, and fluoride treatments, with two exams and two cleanings per covered person payable in a calendar year.

Intermediate services include fillings, extractions, denture/crown/bridge repairs, root canals, periodontal surgeries, emergency treatments, oral surgery, anesthesia/IV sedation, and specialist consultations, paid in full in-network.

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Major services cover root canals, inlays, onlays, crowns, gingivectomy periodontal surgery, fixed bridgework, and dentures, with a maximum allowance of $4,500 for the High Option and $3,000 for the Standard Option.

Here are the details of what's covered under each category:

Note that the deductible applies to out-of-network benefits only, with a $50 individual and $150 family deductible.

The EmblemHealth FEDVIP Dental Program offers a wide range of dental services to maintain good oral health.

Preventive and diagnostic services are covered, including exams, x-rays, cleanings, sealants, and fluoride treatments. Two exams and two cleanings per covered person are payable in a calendar year, and these services are paid in full when received in-network.

Fillings, extractions, and other intermediate services are also covered, including denture/crown/bridge repairs, root canals, and periodontal surgeries. These services are paid in full in-network, with a deductible applying to out-of-network benefits only.

Major services, such as root canals, crowns, and dentures, are also covered. These services are paid in full in-network, with a deductible applying to out-of-network benefits only, and a maximum allowance that varies depending on the option chosen (High Option: $4,500, Standard Option: $3,000).

A deductible applies to intermediate and major services received out-of-network only, with an individual deductible of $50 and a family deductible of $150.

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Pre-existing conditions are not covered, including conditions you've had symptoms of in the past 12 months. This means if you've had a persistent cough or recurring headaches, you won't be covered for those.

Some treatments, like acupuncture and homeopathic remedies, are also excluded. If you're looking for alternative therapies, you'll need to consider additional coverage.

Chronic conditions, such as diabetes or hypertension, are not covered if they're not being actively managed. This means if you're not taking medication or following a treatment plan, you won't be covered.

There are also limitations on coverage for certain medical procedures, like cosmetic surgery or elective procedures. If you're looking to get a facelift or other non-essential surgery, you'll need to consider additional coverage or private insurance.

Your coverage is also limited to $1,000 per year for dental care, including routine cleanings and fillings.

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With our FEDVIP Dental plan, you can receive care from thousands of network dentists and specialists in New York, New Jersey, Pennsylvania, and Connecticut without a referral or paperwork.

You can find a dentist in your plan's network using our Find a Doctor tool, which also includes a Map and Directions feature to help you locate a dentist's office.

Our plan allows you to receive reimbursement for covered services performed by out-of-network dentists, based on the plan's in-network allowance.

Just submit a claim to us, and we'll send you a check for the amount we cover.

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Our FEDVIP Dental plan offers a wide range of benefits that make it easy to receive quality care. You'll have access to thousands of network dentists and specialists in New York, New Jersey, Pennsylvania, and Connecticut without needing a referral or paperwork.

Preventive care is covered 100% with no deductible, which means you'll get regular exams, cleanings, and bitewing x-rays without any out-of-pocket costs. This is a great way to stay on top of your oral health.

The annual deductible of $50 per person or $150 per family applies to Basic and Major services, including fillings, extractions, and root canals. This means you'll need to meet this deductible before your insurance coverage kicks in.

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Here are the details of our Network Dental benefits highlights:

You'll also receive reimbursement for covered services performed by out-of-network dentists based on the plan's in-network allowance.

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