Compass Rose Health Plan & Additional Protection Options
For over 75 years, thousands of federal employees, retirees, and their families have trusted Compass Rose Benefits Group for their insurance needs. Take a look at our plans to find the one that best fits your needs.
Our Federal Employees Health Benefits (FEHB) Plans Include:
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One of the largest national provider networks in the U.S.
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Preventive care for $0 co-pay
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No referrals for specialists
Compass Rose Health Plans Overview
Standard Option
Stay in-network and spend less on your premiums with our low option plan. You’ll pay less for your health plan upfront but have higher out-of-pocket costs throughout the year.
- Lower premiums
- In-network care only
- Lower co-pays for preferred providers
- 5 free virtual visits
- $100 annual vision allowance
High Option
Get comprehensive benefits and the flexibility to go in- or out-of-network. You’ll pay higher premiums, but have lower out-of-pocket costs and deductibles when you need care.
- Low co-pays
- In- and out-of-network coverage
- Premium pharmacy benefits
- Up to $350 in wellness rewards
- Unlimited free virtual visits
Medicare Advantage
Enhance your Compass Rose Health Plan High Option benefits with Compass Rose Medicare Advantage, a UnitedHealthcare® Group Medicare Advantage (PPO) plan.
- $125 monthly Part B premium subsidy
- $1 co-pay for generic drugs
- $40/quarter for over-the-counter items1
- Free gym membership
- Hearing, dental and vision included
Compare Plans
Check out our plans — side by side — to see the difference in benefits and coverage.
Plan Benefit | Standard Option | High Option | Medicare Advantage Option |
---|---|---|---|
In-Network Care | Yes | Yes | Yes |
Out-of-Network Care | No | Yes | Yes |
Overseas Coverage | Yes | Yes | Yes |
Preventive care for $0 co-pay | Yes | Yes | Yes |
Wellness Rewards | No | Yes | Yes |
Waived coinsurance & deductibles w/ Medicare Part B | No | Yes | Yes |
$125 Monthly Medicare Part B Premium Subsidy | No | No | Yes |
*Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Sign Up for a Compass Rose Health Plan
2025 Health Plan Rates
We pride ourselves on providing competitive rates with fantastic benefits.
Standard Option
Enrollment Type | Biweekly | Monthly |
---|---|---|
Self Only (424) | $58.15 | $126.00 |
Self +1 (426) | $127.94 | $277.20 |
Self & Family (425) | $139.57 | $302.40 |
High Option & Medicare Advantage
Enrollment Type | Biweekly | Monthly |
---|---|---|
Self Only (421) | $124.48 | $269.71 |
Self +1 (423) | $279.65 | $605.91 |
Self & Family (422) | $299.95 | $649.89 |
2025 Health Plan Benefits
Explore typical costs when you use in-network providers for covered services.
- Deductible
- Out-Of-Pocket Maximum
- Preventive Care
- Office Visits
- Services
- Emergency Care
- Hospital Care
- Alternative Care
- Extra Perks
- Pharmacy
Deductible
Plan Type | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Self Only | $500 | $350 | None |
Self +1 and Family | $1,000 | $700 | None |
Out-Of-Pocket Maximum
Plan Type | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Self Only | $9,000 | $5,000 |
None |
Self +1 | $18,000 | $10,000 | None |
Self and Family | $18,000 | $10,000 | None |
Preventive Care
Plan Benefit | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Well Child Care | $0 | $0 | N/A |
Adult Annual Routine Exam | $0 | $0 | $0 |
Immunizations | $0 | $0 | $0 |
Preventive Screenings | $0 | $0 | $0 |
Office Visits
Visit Type | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Doctor Office Visits: Primary Care Physician (PCP) | Premium Designated PCP: $10 Non-Premium Designated PCP: $35 |
$15 | $0 |
Doctor Office Visits: Specialist | Premium Designated Specialist: $30 Non-Premium Designated Specialist: $70 |
$25 | $0 |
Telehealth through Doctor On Demand® | $0 for first five visits $10 after fifth visit |
$0 | $0 |
Telehealth through PCP | Premium Designated PCP: $10 Non-Premium Designated PCP: $35 |
$0 | $0 |
Services
Service | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Lab Work through LabCorp & Quest Diagnostics | 30% of the Plan Allowance* |
$0 | $0 |
Simple Diagnostic Testing (X-rays, Ultrasounds) | 30% of the Plan Allowance* |
You pay nothing in free-standing imaging center and 10% of the plan allowance outside free standing imaging center* | $0 |
Advanced Imaging†(MRI, MRA, SPECT, CTA, PET & CT Scans) | 30% of the Plan Allowance* |
10% of the Plan Allowance** | $0 |
Home Health Services† | 30% of the Plan Allowance* |
10% of the Plan Allowance (90 visits max; prior authorization required after 12th visit) |
$0 |
Physical, Occupational & Speech Therapies† | 30% of the Plan Allowance* |
10% of the Plan Allowance* (90 combined visits max; prior authorization required after 12th visit) |
$0 Unlimited visits |
Digital Exercise Therapy‡ | N/A | $0 | N/A |
Pelvic Health Program‡ | N/A | $0 | N/A |
Routine Maternity Care | 30% of the Plan Allowance* |
$0 | $0 |
Weight Loss Program through Real Appeal®‡ | N/A | $0 | $0 |
Tobacco Cessation | $0 | $0 | $0 |
Emergency Care
Type of Care | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Urgent Care | $50, waived if admitted |
$35, waived if admitted | $0 |
Emergency Room | $500, waived if admitted | 10% of the Plan Allowance, waived if admitted | $0 |
Hospital Care
Type of Care | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Inpatient Hospital Care† | 30% of the Plan Allowance* | $200 | $0 |
Surgical Services† | 30% of the Plan Allowance* | 10% of the Plan Allowance | $0 |
Alternative Care
Type of Care | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Basic Chiropractic Care | 30% of the Plan Allowance* (12 visits max) |
10% of the Plan Allowance* (24 visits max) |
$0 (24 visits max) |
Acupuncture for Anesthesia & Pain Relief |
30% of the Plan Allowance* (12 visits max) |
10% of the Plan Allowance* (24 visits max) |
$0 (24 visits max) |
Massage Therapy | Reimbursed up to $75 per visit (4 visits max) | Reimbursed up to $75 per visit (12 visits max) | Reimbursed up to $60 per visit (unlimited visits) |
Extra Perks
Plan Benefit | Standard Option | High Option | Medicare Advantage |
---|---|---|---|
Hearing Aid Allowance | N/A | Up to $1,200 for one hearing aid per ear every five (5) years without Medicare Part B and every three (3) years with Medicare Part B (from date of service) | $0 co-pay $2,400 allowance for unlimited aids every 3 years. Allowance is combined for both ears.2 |
Dental | Allowance for routine oral examinations: $39 twice per year Allowance for dental fillings: |
Allowance for routine oral examinations: $39 twice per year Allowance for dental fillings: One surface: $12 Two surfaces: $19 Three or more surfaces: $24 |
Class 1 preventive & diagnostic (P&D): 100% Deductible (P&D not included): $50 Annual calendar maximum (P&D not included): $1,000 Out-of-network reimbursement schedule: maximum allowable charge |
Vision | $100 annual allowance to use on eyeglasses, contacts or vision exams | N/A | Routine eye exam refraction: $0 co-pay – one per 12 months Eyeglasses allowance: $130 every 12 months Contact lens allowance (in lieu of glasses): $175 every 12 months3 |
Pharmacy
Pharmacy Benefit | Standard Option | High Option~ | Medicare Advantage^ |
---|---|---|---|
30-Day Network Retail Pharmacy | Tier 1 (generic): $5 Tier 2 (formulary/preferred brand name): 40% up to a maximum of $400 Tier 3 (non-formulary/non-preferred brand name): 100% |
Tier 1 (generic): $5 Tier 2 (formulary/preferred brand name): $50 Tier 3 (non-formulary/non-preferred brand name): $75 or 40%, whichever is greater |
Tier 1 (generic): $1 Tier 2 (formulary/preferred brand name): $25 Tier 3 (non-formulary/non-preferred brand name): $75 |
90-day Retail Pharmacy & Preferred Mail Order4 |
Tier 1 (generic): $10 Tier 2 (formulary/preferred brand name): 40% Up to a Maximum of $800 Tier 3 (non-formulary/non-preferred brand name): 100% |
Tier 1 (generic): $10 Tier 2 (formulary/preferred brand name): $100 Tier 3 (non-formulary/non-preferred brand name): $150 or 40%, whichever is greater |
Tier 1 (generic): $2 Tier 2 (formulary/preferred brand name): $50 Tier 3 (non-formulary/non-preferred brand name): $150 |
30-Day Specialty Pharmacy | Preferred Mail Order Generic: 50% up to a maximum of $500 Formulary/preferred brand name: 50% up to a maximum of $1,500 Non-formulary/non-preferred brand name: 100% |
Preferred Mail Order Generic: 10% up to a maximum of $100 Formulary/preferred brand name: 25% up to a maximum of $250 Non-formulary/non-preferred brand name: 35% up to a maximum of $500 |
Retail & Preferred Mail Order4 Tier 4 (specialty): 25% up to a maximum of $100 |
This is a summary of the features of the Compass Rose Health Plan. All benefits are subject to the definitions, limitations and exclusions set forth in the FEHB Plan Brochure.
When you are enrolled in our High Option plan and have Medicare B as your primary insurer, we waive most calendar year deductibles, copayments and coinsurance for medical services and supplies. Learn more about how the High Option Compass Rose Health Plan coordinates with Medicare.
Use the Standard and High Provider Directory to locate a PCP or specialist with a premium designation. Providers with this designation will have two blue hearts along with the words “Premium Care Physician.”
* Deductible applies
** Deductible applies outside of free-standing imaging center
† Precertification required
‡ Eligibility restrictions apply
~ Current eligible members entitled to Medicare Part A and/or enrolled in Medicare Part B and not currently enrolled in the Compass Rose Medicare Advantage Plan will be automatically enrolled in the Compass Rose Medicare PDP EGWP for 2025.
^ Part D Prescription Drug Coverage
Is Your Physician in Network?
The Compass Rose Health Plan High Option uses the UnitedHealthcare Choice Plus network. Use the online provider directory to see if your current doctor is in our network. If you have Medicare, you may see any provider that accepts Medicare.
With the Compass Rose Medicare Advantage Plan you can see doctors and other health care providers that are in and out of our network at the same cost share as long as they participate in Medicare and are willing to bill the plan. Visit retiree.uhc.com/CompassRose to locate a provider.
Additional Protection
Compass Rose Benefits Group partners with LegalShield to offer Legal and Identity Theft Protection at an exclusive rate for federal employees.
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Legal Protection, via LegalShield, provides 24/7 access to top-quality law firms for less than $16 per month.
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With Identity Theft Protection, through LegalShield, you can protect against identity theft and quickly resolve an issue if it occurs for less than $13 per month.
Unsure Which Health Plan Is Right for You?
The Compass Rose Medicare Advantage Plan is insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Benefits, features and/or devices vary by plan/area. Limitations and exclusions apply.
1 Over-the-counter benefits have expiration timeframes. Call the plan or refer to your evidence of coverage for more information.
2 Benefits, features, and/or devices vary by plan/area. Limitations and exclusions may apply. Other hearing exam providers are available in the UnitedHealthcare network. The plan only covers hearing aids from a UnitedHealthcare Hearing network provider. You must contact UnitedHealthcare Hearing prior to using your hearing aid allowance. Hearing aids ordered through providers other than UnitedHealthcare Hearing are not covered.
3 Benefits, features and/or devices vary by plan/area. Limitations and exclusions apply. Annual routine eye exam and $130 allowance for contacts or designer frames, with standard (single, bi-focal, tri-focal or standard progressive) lenses covered in full annually.
4 Optum Home Delivery®, a service available through Optum Rx®, is provided by your plan. You are not required to use Optum Home Delivery for a 90 day supply of your maintenance medication.