Billing and Payments

Once you're enrolled in the Federal Employees Dental and Vision Insurance Program (FEDVIP), we will automatically set up premium deductions or allotments with your pay provider to pay for your FEDVIP coverage. Federal employees pay premiums pre-tax, while all other enrollees pay premiums post-tax.

There are some instances where we can't automatically deduct premiums or set up an allotment from your pay. In these cases, you may have to pay your premiums through automatic bank withdrawal (ABW) or direct bill.

Paying for coverage

Select an eligibility type to find out how you will pay for your coverage.

We will automatically set up payroll deductions with your pay provider to pay for your FEDVIP premiums pre-tax.

Some Federal agencies do not support payroll deductions. In these cases, we will default your payment method to automatic bank withdrawal (ABW) and ask you to provide your bank information.

We will automatically set up annuity deductions with your pay provider to pay for your FEDVIP premiums post-tax.

Some retirement systems do not support annuity deductions. In these cases, we will default your payment method to automatic bank withdrawal (ABW) and ask you to provide your bank information.

We will automatically set up an allotment with your pay provider to pay for your FEDVIP premiums post-tax if you have enough available funds or allotments in your retirement pay.

In the event that you do not have enough available funds or allotments, we will default your payment method to a recurring electronic funds transfer (EFT), which we refer to as an automatic bank withdrawal (ABW), and ask you to provide your bank account information.

We will automatically default your payment method to a recurring electronic funds transfer (EFT), which we refer to as an automatic bank withdrawal (ABW), and ask you to provide your bank information.

If you'd like an allotment set up with the sponsor's pay provider to pay for your FEDVIP premiums post-tax you must submit a payroll authorization form, completed by the service member sponsor. You can download this form from your My BENEFEDS dashboard after you enroll.

We will automatically default your payment method to a recurring electronic funds transfer (EFT), which we refer to as an automatic bank withdrawal (ABW), and ask you to provide your bank information. You do not have the option to pay your FEDVIP premiums through an allotment.

Payment methods

Learn more about the different payment methods available to pay for your coverage. In most cases, we will default you to a specific payment method based on your eligibility type.

Payroll deduction means that premiums are automatically deducted, pre-tax, from your pay each pay period. This is the default payment method for Federal employees.

Start date
Your first deduction is taken from the paycheck that covers the first full pay period beginning on or after your effective date of coverage. If you enroll during open season, your coverage will be effective on January 1. This means your first deduction will occur in the paycheck you receive for the pay period beginning on or after January 1.

Annuity deduction means that premiums are automatically deducted, post-tax, from your retirement pay each month. This is the default payment method for Federal annuitants and survivor annuitants.

Start date
Your first deduction is taken from the annuity check that covers the month in which your coverage begins, or becomes effective. If you enroll during open season, your coverage will be effective on January 1. This means your first deduction will occur in the annuity check you receive in February, for the month of January.

An allotment is a designated amount of money that is automatically distributed for you, post-tax, from your base or retirement pay each pay period. This is the default payment method for retired uniformed service members if you have enough available funds or allotments in your retirement pay.

Start date
If you're a retired uniformed service member, your first allotment is taken from the retirement paycheck you receive in the month following the month in which your coverage begins, or becomes effective. If you enroll during open season, your coverage will be effective on January 1. This means your first allotment will occur in the retirement check you receive in February.

If you're an active duty family member, the first allotment from the sponsor's pay will be taken from the paycheck that covers the first full pay period beginning on or after the date we process your payroll authorization form.

Automatic bank withdrawal (ABW) means that premiums are automatically withdrawn from your checking or savings account each month. You will be asked to provide your bank information when you enroll. This is the default payment method for Federal employees and annuitants whose pay providers do not support deductions, active duty family members, and survivors of active duty and retired uniformed service members.

If at any time after enrollment you want to cancel ABW, download and fill out the Revoke ABW Authorization Form. Submission instructions are on the form.

Start date
Your first withdrawal is taken from your bank account on the fifth business day of the month in which your coverage begins, or becomes effective, and continues to occur on the fifth business day of every month your coverage remains in effect. If you enroll during open season, your coverage will be effective on January 1. This means your first withdrawal will occur on the fifth business day in January. Please keep in mind that January 1 is a holiday and not considered a business day.

The option to pay your premiums by direct bill is only available in special circumstances, such as if you're on leave without pay, or you retire and are receiving interim payments while your payroll deductions transition to your annuity. You'll be notified if there is an event that requires us to send you a direct bill.

Mail premium payments to:

BENEFEDS-FEDVIP
P.O. Box 414095
Boston, MA 02241-4095

The option to make a one-time payment online is only available to enrollees who are paying their premiums by direct bill. To pay your direct bill online, log into your My BENEFEDS account and select "Make One-Time Payment" on your dashboard.

The option to set up accelerated payments to pay for your premiums is only available to Federal employees in special circumstances, such as if you expect to go on leave without pay, or only be paid during certain months of the year.

To set up accelerated payments, select the number of pay dates you would like to pay for your premiums when you enroll. We will then calculate your deduction amount based on this selection and set up the deductions with your pay provider.

Accelerated payment changes
Your accelerated payments will be cancelled if you change your plan or premium deduction amount. Accelerated payments are specific to the plan year and do not automatically continue across plan years.

To change or reset your accelerated payments, call BENEFEDS Customer Service.

Viewing your payment history

You can view the payment history for your FEDVIP dental and/or vision coverage for the current plan year, as well as the previous plan year (if you were enrolled). It will be updated through the day before the current date.

To view your payment history, log into your My BENEFEDS account and select "Payment History" for your dental or vision coverage on your dashboard. You can view and print or download your end-of-year tax information from this page by selecting the "Tax Info" link above the payment history table.

Leave without pay

Leave without pay means you are in a non-pay status and absent from duty.

FEDVIP enrollees who experience a period of leave without pay for two consecutive pay periods will be switched to a direct bill payment method.

What pay providers don't support deductions?

The following agencies and retirement systems don't support payroll or annuity deductions. This means you must pay your premiums by automatic bank withdrawal (ABW).

  • Agencies
  • Civilian Marksmanship Program
  • District of Columbia Government
  • District of Columbia Housing Authority
  • Retirement systems
  • District of Columbia Judges
  • District of Columbia Retirement Board (DCRB)
  • NAF: Marine Corps Community Service
  • NAF: Navy
  • Navy Exchange Service Command (NEXCOM)
  • Office of Thrift Supervision
  • USUHS-TIAA-CREF