If your life looks a lot like it did during last year’s Open Season, you might assume there’s no reason to reconsider your dental and vision coverage.
And maybe you’re right. But while your needs may be the same, your coverage might not be.
Plan costs, benefits and provider networks can change from year to year. And even if your current plan remains largely unchanged, other options may be worth exploring.
Before renewing, take a few minutes to review what’s different about your current plan for 2027.
Have premiums, deductibles or copayments changed? Are your preferred dentists and eye care providers still in-network? Have there been changes to covered services, benefit limits or allowances?
Even small adjustments can affect how much you pay or what you’ll receive from your coverage.
The goal isn’t necessarily to find a reason to switch plans. It’s to make sure you understand what you’re getting before committing to another year.
It’s easy to stick with what you know, especially when your current coverage has worked well.
But just because a plan met your needs last year doesn’t automatically mean it’s your best option for 2027.
Other plans may offer different premiums, benefits, provider networks or out-of-pocket costs. Comparing a few alternatives can help you determine whether you’re still getting the value you expect.
Federal Employees may also have dental and vision insurance options beyond FEDVIP, including plans available through GEBA.
Reviewing your benefits doesn’t mean you have to make a change.
You might compare your options and decide your current coverage still offers everything you need at a cost you’re comfortable with. That’s a good outcome, too.
The difference is that you’ve made an informed decision rather than simply letting last year’s choice carry over.
Even when life stays the same, it’s worth knowing whether your benefits still measure up.
GEBA helps Federal Employees and their families explore dental and vision insurance options so they can compare coverage, costs and benefits with confidence.
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