Best military dental insurance for retirees in 2021 • Benzinga


Want to compare several packages? Visit to see your available options and compare providers side by side.

As a retired member of the armed forces, you may qualify for low-cost dental insurance through the Federal Employees Dental and Vision Insurance Program (FEDVIP). Compared to the now defunct TRICARE Retiree Dental Program (TRDP), there are several dental insurance providers to choose from.

We’ll take a closer look at FEDVIP dental programs, explore who qualifies, how much coverage costs, and how you can choose a plan. We’ll also introduce you to some of our favorite FEDVIP approved providers, helping you and your family enjoy the best military dental insurance policies in retirement.

Best dental insurance for retired military personnel:

Who is eligible for military dental insurance at retirement?

At least one of the following qualifications must be true to be eligible for FEDVIP Discounted Retired Military Dental Insurance. You have to be:

  • Over 65 and qualified to receive military pay upon retirement.
  • A retired Reserve or Guard member.
  • A retired reservist from the “gray area” is expected to begin receiving retired military benefits from age 60.
  • The spouse of a retired military member already registered with FEDVIP.
  • The child of a military member receiving FEDVIP benefits – you must be under 21 or a full-time student under 23.
  • The unmarried surviving spouse of a member who died in the line of duty or as a result of a service-related injury or illness.
  • A Medal of Honor recipient or the spouse of a Medal of Honor recipient.

You can only register for FEDVIP during the open registration period. This period usually starts in mid-November and runs until the end of December. However, you may be eligible for a special registration period if you have experienced any of the following life events:

  • Wedding
  • Lost your dental insurance (for example, quitting a job and canceling your self-employed coverage)
  • Won a new family member
  • Lost a family member
  • Moved to another zip code and no longer has dental insurance because your provider does not serve your new area

Not sure if you are entitled to a special registration period? Created a registration profile at BENEFEDS.

Types of dental coverage

FEDVIP dental insurance plans are managed by private companies. These companies often offer both DHMO and PPO coverage. Let’s see the differences.

  • Dental Health Maintenance Organizations (DHMO): DHMOs have a defined network of dental service providers who accept your insurance. When you sign up for a DHMO plan, your insurer gives you a list of dentists in your network who accept your insurance plan. If you need dental care or services, you should go to one of the dentists in your network. Otherwise, you cannot use your benefits. DHMOs are typically the most affordable dental insurance options you’ll find, but the areas of service can be quite limited.
  • Preferred service provider organizations (PPOs): You can choose to see the dentist of your choice if you have a PPO plan, although you can almost always save money by visiting a network provider. PPO plans are generally more expensive than DHMO plans, but they may be worth the extra expense if you already have a dentist you love.

Average cost of military dental insurance in retirement

The FEDVIP marketplace gives you access to significant discounts on dental insurance. For an individual plan, expect to pay between $ 10 and $ 15 per month for coverage. For a family plan, expect to pay between $ 30 and $ 45 per month.

What to look for in a dental insurance provider

Not all dental insurance plans are a good deal. When shopping for insurance, be sure to look for these key features:

  • An affordable franchise: Your deductible is a fixed amount that you must spend on your own dental bills before your insurance takes effect and starts paying for your care. If you choose a plan with too high a deductible, you could end up with an insurance plan that you cannot afford to use. Look for plans with deductibles that fit your budget – some insurers even offer $ 0 deductible options.
  • A low percentage of coinsurance: Coinsurance is the percentage of your dental costs that you must cover once you reach your deductible. For example, if you receive a bill for $ 100 and have a 20% coinsurance rate, you will need to cover $ 20 on that bill. Look for an insurance plan with low coinsurance rates to get the most out of your dental insurance plan.
  • Many treatments covered: Unlike health insurance providers, dental insurance providers are free to choose the services they will cover. For example, many dental insurance companies exclude adult sealants and orthodontics from coverage. Be sure to check your official statement of benefits before signing up for a dental insurance plan.

Best retired military dental insurance providers

Now that you understand how dental insurance works, it’s time to search for coverage. Let’s take a look at some of the best dental insurance providers you’ll see in the FEDVIP market.

1. Best overall: Delta Dental

The former supplier of choice for TRDP, Delta Dental continues to be our first choice for FEDVIP plans. Delta Dental’s insurance options are exceptionally affordable. You can find PPO coverage for just $ 10 per month for an individual in most parts of the country.

Delta Dental is available in almost all zip codes and its plans are also available for service members who live outside of the United States. Delta Dental is our first choice for retired military personnel with comprehensive coverage choices, affordable plans, and expansive coverage.

Dominion Dental Care

2. Ideal for low cost coverage: Dominion Dental

You may be living on a fixed income. This can make it more important than ever to make sure that you aren’t paying too much for insurance.

You might be looking for the most affordable coverage available, then consider a plan from Dominion Dental.

Dominion Dental offers some of the most affordable plans. Individual options start at around $ 6 per month. It also offers $ 0 deductibles on its most affordable plans when you need to visit the dentist.


Age requirement

18 – 75

Cover amounts

From $ 25,000

3. Ideal for low coinsurance rates: MetLife

A high coinsurance percentage can seriously affect your budget, especially if you or a plan member needs major dental work. MetLife’s Federal MetLife Dental Plan offers PPO coverage as well as low coinsurance rates.

You will pay 0% coinsurance for routine services and only 30% for basic corrective procedures (like cavity fillings). The plans also include coverage for orthodontics. You will only pay 30% of the cost of any orthodontics, which can quickly add up to tens of thousands of dollars in savings. Best of all, MetLife’s plans don’t have a lifetime maximum benefit limit.


Best for

Medicare benefit plans

  • Medicare Parts A + B and Medigap plans available
  • 6% discount if you register online
  • Shopping plans by postal code
The inconvenients
  • Discount not available CA, CT and OH

4. Great for Affordable Franchises: Humana

Are you planning to balance the cost of your deductible with your monthly premium? If so, look for a map of Humana. Humana’s federal insurance plans include a $ 0 deductible on its most affordable plan choices.

Humana’s dental insurance costs as little as $ 12 per month in most parts of the country, and a family will pay around $ 35 per month. The plans also include a limit on benefits without a maximum and a 0% coinsurance for preventive services.

  • Wide variety of dental savings plans
  • High customer service availability
The inconvenients
  • Website can be difficult to navigate
  • Limited dental insurance options

5. Ideal for plans outside of FEDVIP:

Don’t like any of the plans you see on the FEDVIP market? If you want to buy coverage on the open market, first visit is a quick and easy comparison tool that allows you to view and compare all of the dental insurance plans available in your area. Simply enter your zip code and click button 1 to start purchasing insurance. can give you access to more plan options. Keep in mind that non-FEDVIP plans can cost a bit more than market options.

Choose the best military dental insurance

The specific plan options available to you will depend on where you live and which dental insurance companies are licensed to operate in your area. Make sure you get a few quotes from competing insurance companies to make sure you aren’t paying too much for the coverage. The best military dental insurance in retirement should meet your needs and ensure that you get the level of coverage you need. Because every family is different, research the right insurance policy before you simply accept the first plan you find.

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