Through FEDVIP, Delta offers two PPO plans, Standard and High. Both cover preventive care fully in network, and the High Plan carries an unlimited in-network annual maximum, a benefit almost no private plan matches.
In-network and out-of-network coinsurance. Preventive is full in network on both.
| Benefit | Standard (in / out) | High (in / out) |
|---|---|---|
| Preventive (Class A) | 100% / 60% | 100% / 90% |
| Intermediate (Class B) | 55% / 40% | 70% / 60% |
| Major, incl. implants (Class C) | 35% / 20% | 50% / 40% |
| Orthodontics (Class D) | 50% / 50% | 50% / 50% |
| Deductible | $0 / $75 | $0 / $50 |
| Annual maximum (non-ortho) | $1,500 / $1,000 | Unlimited / $3,000 |
| Ortho lifetime max | $2,000 child, adults not covered | $3,500 child, $2,000 adult |
Implants on the High Plan are limited to $2,500 per person per year and count toward the maximum. Some procedures may have waiting periods; see the 2026 brochure. Preventive and orthodontic services are exempt from the deductible.
Federal employees and annuitants, including the U.S. Postal Service. Retired uniformed service members and active duty within 60 days of retirement. Retired National Guard and Reservists, including gray-area retirees not yet receiving retired pay. And the eligible family members of all those groups.
You enroll through BENEFEDS.gov or 1-877-888-FEDS, not through an agency HR system. Choose Delta Dental, then Standard or High. Most people enroll during Open Season, November to early December, with coverage effective January 1. If you are newly eligible or have a qualifying life event, you have a 60-day window; a retiring service member can enroll from 31 days before to 60 days after their retirement date.
If FEDVIP is not your path, see the individual Premium and Basic PPO tiers.
Search Delta PPO dentists near you and confirm participation before you book.
Checked against Delta Dental and program documents on July 2, 2026. Terms vary by plan and state; confirm yours before enrolling.
Delta Dental FEDVIP plans (Standard and High) · deltadentalins.com
Federal enrollment through BENEFEDS · benefeds.gov
TRICARE Dental Program (United Concordia, for active-duty families) · tricare.mil