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Dental Plan

MHBP offers dental benefits to federal and postal employees and retirees. This plan offers great benefits, national coverage and affordable rates. You don't have to enroll in a MHBP medical plan to participate in these programs.** And you can enroll year round!

Dental Insurance Rate Finder

Find your rate using the MHBP Dental Rate Finder below.


Dental Insurance Coverage to Smile About

You will definitely have something to smile about when you enroll in our federal dental insurance plan. Experience great benefits, national coverage and affordable rates:

  • Coverage ranges from basic preventive care to crowns, bridges and braces
  • Vast provider selection-nearly 183,000 Network dental locations nationwide
  • No claim forms to file - network dentists do it for you
  • Benefits that increase the longer you are enrolled
  • Affordable rates and a special rate category for people who need Self Plus One coverage

Find Network Dental Providers »

Summary of Network Dental Benefits
Calendar Year Deductible First Year (1st-12th month of coverage) Second Year (13th-24th month of coverage) Third Year (24th month of coverage and later)
Preventive Care (Exams, cleanings & bitewing x-rays) No deductible 100% 100% 100%
Basic Services (Fillings, extractions and other x-rays) Deductible Applies 70% 80% 80%
Major Services (Root canals, crowns and bridges) Deductible applies Benefits begin in 2nd year 50% 50%
Orthodontics Up to $1,000 per person per lifetime for dependents through age 18 Deductible applies Benefits begin in 3rd year Benefits begin in 3rd year 50%

The annual deductible ($50 per person, $150 per family) applies to Basic and Major services. The annual benefit maximum is $2,000 per person per calendar year. Dental insurance coverage will not begin without payment of premium.

* MHBP Dental Plan is available to U.S. residents only. Dental and vision coverage provided by First Health Life & Health Insurance Company, Cambridge Life Insurance Company or Vision Service Plan, Inc. These benefits are neither offered nor guaranteed under contract with the FEHBP, but are made available to all FEHBP participants and their covered family members. You cannot file a FEHBP disputed claim about them.

The fees you pay for these services do not count toward FEHBP deductibles or out-of-pocket maximums. See Certificate of Insurance for full coverage details, exclusions and limitations. For dental coverage, annual deductible applies ($50 per person, $150 per family). The annual benefit maximum for dental coverage is $2,000 per person per calendar year. Coverage will not begin without payment of premium. Your coverage is renewable as long as your premiums are paid and the Master Group Policy remains in force, and you remain eligible for this coverage. The dental PPO network is made available by The Guardian Life Insurance Company of America. Benefits are not provided for services rendered outside the 50 United States and the District of Columbia.

** You do not have to be enrolled in an MHBP medical plan to enroll in the MHBP Dental or Vision Plans. A single annual $42 MHBP associate membership fee makes all MHBP plans available to you.

© 2016 Aetna, Inc. All rights reserved. All other names and (registered) trademarks are the property of their respective owners.

 
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How to Enroll

To enroll, call toll-free 1-800-254-0227 or 1-800-481-9871 (for a TDD for the hearing impaired) Monday through Friday from 8 a.m. to 6 p.m. EST.

Enroll online now »