Reviewing Federal Dental Insurance Plans

It’s 2012 Health Benefits Open Season for Federal Employees
That means it’s that time of year when you can change your health benefits, including federal dental insurance from November 8, 2011 to December 12, 2011.

Reviewing Federal Dental Insurance Benefits Can be Confusing

 Most Federal employees find Open Season overwhelming. Trying to compare insurance plans can be confusing and time consuming. Employees can choose from:
  • Met Life Federal Dental Plan
  • GEHA Federal Dental Plan
  • Humana Federal Dental Plan
  • Aetna Federal Dental Plan
  • United Concordia Federal Dental Plan
  • Blue Cross Blue Shield Federal Dental Plan
  • Triple S Salud, Inc.Federal Dental Plan
  • Group Health, Inc.Federal Dental Plan

Federal Employee Dental Insurance Costs Expected to Rise Again
According to the Office of Personnel Management, premiums for dental insurance will rise 3.8 percent and will average $15.33 per pay period for an individual, $30.06 for self plus one and $43.85 for family plans. Vision insurance will go up 3 percent, costing individuals an average of $4.78 per pay period, self plus one enrollees $9.55 and family users $14.11. Dental premiums increased 4.2 percent and vision 2.4 percent in 2010. This year, costs are expected to rise again. Compare for yourself – OPM Dental Plan Premiums

Federal Employee Dental Benefits – Not a Good Value
Simple analysis shows that after adding premiums, factoring that most plans only pay up to 50% of procedures like crowns and root canals, discount plans are much more economical.

Careington Dental Plan – Simple & Affordable Alternative to Federal  Dental Insurance
The Careington Dental Plan is an excellent alternative to costly and complex Federal dental insurance. The Careington Dental Plan is not insurance … it’s a simple to use discount plan that cost a fraction of the monthly premium of Federal dental plan while typically providing you better overall savings on most dental procedures annually for you and your family.

Families and Companies are Saving More Money with Dental Discount Plans
Research shows that everyday, more families and businesses are making the switch from costly and confusing traditional insurance to simple to use discount dental plans – it’s typically more cost efficient, gives you more choices and saves you more money instantly. 

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