Benefits for AFGE Members

When you join the union, you have access to these AFGE benefits. These benefits are backed by the collective strength of over 10-million members of AFL-CIO unions. By using one or two of the programs, many members save as much as their annual dues.

These Money-Saving Benefits are Available Only to AFGE Members:

Dental Insurance from the Federal Government

Dental Insurance for Federal employees

The U.S. Office of Personnel Management (OPM) has awarded contracts to seven* insurance carriers that will offer supplemental dental benefits under the new Federal Employees Dental Insurance Program.

The new dental options, which Congress mandated in 2004, will be available to all employees eligible for the Federal Employees Health Benefits Program and all retirees, although neither employees nor retirees have to be enrolled in a health plan to participate.   The government makes no contribution towards the cost of this coverage but employees will be able to use pretax payroll deductions to acquire their additional dental benefits.

Enrollment will begin November 13 through December 11, 2006 which coincides with the 2007 open season for health insurance.  The insurance will take effect Dec. 31. Enrollees will be able to choose one of three options: self coverage, self plus one, or self and family.

OPM has posted information on the premium rates, benefits and providers on their web site.

In comparing the federal dental insurance program to what many AFGE members  have available to them as members of AFGE, benefits and cost will compare favorably in some geographic areas and not so favorably in others. 

Dental plans provide a range of services, including but not limited to the following:

• Class A (Basic) services, which include oral examinations, prophylaxis, diagnostic evaluations, sealants and x-rays.
• Class B (Intermediate) services, which include restorative procedures such as fillings, prefabricated stainless steel crowns, periodontal scaling, tooth extractions, and denture adjustments.
• Class C (Major) services, which include endodontic services such as root canals, periodontal services such as gingivectomy, major restorative services such as crowns, oral surgery, bridges and prosthodontic services such as complete dentures.
• Class D (Orthodontic) services.

The Plan brochures, Plan websites and Plan providers in the member-only section.

* Four are national plans: MetLife of New York; GEHA of Kansas City, Mo.; United Concordia of Harrisburg, Pa.; and Aetna of Hartford, Conn. Three more will be available only to employees in certain regions: GHI of New York, covering employees in and around New York City; CompBenefits of Roswell, Ga., available in the Southeast and Midwest; and Triple-S of San Juan for employees in Puerto Rico.

Access: This benefit is only available to members of AFGE. If you are a member of AFGE, please login to the Members Only section. If you are not a member, but would like to find out how to become one, please visit the Join AFGE section.

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