Compass Rose Health Plan & Additional Protection Options

View Rates and Compare Benefits

Our Federal Employees Health Benefits (FEHB) Plans Offer:

Coverage for federal employees & retirees
Large national provider network
Overseas coverage
$0 copay for preventive care
No referrals required to see specialists
Wellness rewards
Virtual visits

Compass Rose Health Plans Overview

Wondering what the difference is between Compass Rose Health Plan options? Compare our plans side by side to see how benefits and coverage differ.

Standard Option

Stay in-network and spend less on your premiums each month. You’ll pay less for your health plan upfront but may have higher out-of-pocket costs when you receive care.

Lower premiums
Coverage for in-network care only¹
Lower copays for Tier 1 providers²
Up to $150 in wellness rewards³
5 free virtual visits
$100 annual vision allowance

Learn More About Standard Option Plan

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 copays
In- and out-of-network coverage
Premium pharmacy benefits
Up to $350 in wellness rewards³
Unlimited free virtual visits
Coordinates with Medicare

Learn More About High Option Plan

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
$3 copay for generic drugs
$40/quarter for over-the-counter items⁴
Free gym membership
Hearing, dental, and vision included
Keep your FEHB status

Learn More About Medicare Advantage

Who is eligible for the Compass Rose Health Plan?

The Compass Rose Health Plan is open to all active and retired civilian federal employees who are eligible for the FEHB Program.

Compare Compass Rose Health Plans

When comparing FEHB plans, consider premiums, deductibles, copays, coinsurance, out-of-pocket maximums, provider networks, prescription drug coverage, and the benefits that matter most to you. Compare our plan options side by side to see how benefits and coverage differ.

Chart comparing benefits available under each plan option.
Plan Benefit	Standard Option	High Option	Medicare Advantage Option
In-Network Care	Yes	Yes	Yes
Out-of-Network Coverage*	No	Yes	Yes
Overseas Coverage	Yes	Yes	Yes
$0 Copay for Preventive Care	Yes	Yes	Yes
Coinsurance & Deductibles Waived with Medicare Part B	No	Yes	Yes
$125 Monthly Medicare Part B Premium Subsidy	No	No	Yes

Standard Option Plan

High Option Plan

Compass Rose Medicare Advantage

^*Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Medicare Advantage members, 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.

Enroll in the Compass Rose Health Plan

How to Enroll

Standard Option

2027 Compass Rose Health Plan Standard Option plan rates
Enrollment Type	Biweekly	Monthly
Self Only (424)	$69.04	$149.58
Self +1 (426)	$151.89	$329.09
Self & Family (425)	$165.69	$359.00

High Option & Medicare Advantage

2027 Compass Rose Health Plan High Option & Medicare Advantage plan rates
Enrollment Type	Biweekly	Monthly
Self Only (421)	$149.97	$324.94
Self +1 (423)	$336.89	$729.93
Self & Family (422)	$361.03	$782.23

Deductible

2027 Compass Rose Health Plan deductible comparison.
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

2027 Compass Rose Health Plan out of pocket maximum comparison.
Plan Type	Standard Option	High Option	Medicare Advantage
Self Only	$9,000	$6,000	None
Self +1	$18,000	$12,000	None
Self and Family	$18,000	$12,000	None

Preventive Care

2027 Compass Rose Health Plan preventive care copay comparison.
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

2027 Compass Rose Health Plan office visit copays.
Visit Type	Standard Option	High Option	Medicare Advantage
Primary Care Physician (PCP) Office Visit	Tier 1 Provider: $10² Non-Tier 1 Provider: $35	$15	$0
Specialist Office Visit	Tier 1 Provider: $30² Non-Tier 1 Provider: $70	$30	$0
Mental Health Office Visit	$10	$15	$0
Telehealth through Doctor On Demand^®	$0 for first five visits $10 after fifth visit	$0	$0
Telehealth through PCP	Tier 1 Provider: $10² Non-Tier 1 Provider: $35	$0	$0

Services

2027 Compass Rose Health Plan services costs comparison.
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, CTA, & CT Scans)	Free-standing imaging center: 30% of the Plan Allowance In other settings: 30% of the Plan Allowance* plus $250 per occurrence copay	Free-standing imaging center: 10% of the Plan Allowance In other settings: 10% of the Plan Allowance^* plus $250 per occurrence copay	$0
Advanced Imaging^† (SPECT & PET Scans)	30% of the Plan Allowance, deductible applies outside of free-standing imaging center	10% of the Plan Allowance, deductible applies outside of free-standing imaging center	$0
Home Health Services^†	30% of the Plan Allowance* (25 visits max; prior authorization required after 12th visit)	10% of the Plan Allowance (90 visits max; prior authorization required after 12th visit)	$0
Physical, Occupational, & Speech Therapies^†	$40 (25 combined visits max; prior authorization required after 12th visit)	$15 (90 combined visits max; prior authorization required after 12th visit)	$0 Unlimited visits
Routine Maternity Care	30% of the Plan Allowance*	$0	$0
Digital Exercise Therapy^‡	N/A	$0	N/A
Pelvic Health Program^‡	N/A	$0	N/A
Weight Loss & Lifestyle Management Program	$0	$0	N/A
Tobacco Cessation	$0	$0	$0

Emergency Care

2027 Compass Rose Health Plan emergency care copay comparison.
Type of Care	Standard Option	High Option	Medicare Advantage
Urgent Care	$50, waived if admitted	$35, waived if admitted	$0
Emergency Room	30% of the Plan Allowance, waived if admitted*	10% of the Plan Allowance, waived if admitted*	$0

Hospital Care

2027 Compass Rose Health Plan hospital care costs comparison.
Type of Care	Standard Option	High Option	Medicare Advantage
Inpatient Hospital Care^†	30% of the Plan Allowance*	$200 per day, up to $1,000	$0
Surgical Services^†	30% of the Plan Allowance*	10% of the Plan Allowance	$0
Enhanced Surgical Benefit	N/A	$0	N/A

Alternative Care

2027 Compass Rose Health Plan alternative care costs comparison.
Type of Care	Standard Option	High Option	Medicare Advantage
Basic Chiropractic Care	$40 (12 visits max)	$15 (24 visits max)	$0 (24 visits max)
Acupuncture for Anesthesia & Pain Relief	$40 (12 visits max)	$15 (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)
Doula Services by certified doula through DONA International	N/A	Plan pays up to $1,500 per calendar year	N/A

Extra Perks

2027 Compass Rose Health Plan extra perks and costs comparison.
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 copay $1,500 allowance for unlimited aids every 3 years. Allowance is combined for both ears.⁵
Dental	Allowance for routine oral examinations: $39 twice per year Allowance for dental fillings: One surface: $12 Two surfaces: $19 Three or more surfaces: $24	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): $0 Class 2 minor: $0 Class 3 major: Not covered Deductible: $0 Annual calendar maximum (P&D not included): $500 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 copay – one per 12 months Eyeglasses allowance: $130 every 12 months Contact lens allowance (in lieu of glasses): $175 every 12 months⁶

Pharmacy

Network Retail Pharmacy (30-Day Supply)

2027 Compass Rose Health Plan 30-Day Network Retail Pharmacy cost comparison.
Tier	Standard Option	High Option~	Medicare Advantage^
Tier 1 (generic)	$5	$5	$3
Tier 2 (formulary/preferred brand name)	40% up to a maximum of $400	$75	$25
Tier 3 (non-formulary/non-preferred brand name)	100%	$75 or 40%, whichever is greater	$75

Network Retail Pharmacy⁷& Preferred Mail Order⁸ (90-Day Supply)

2027 Compass Rose Health Plan 90-day Network Retail Pharmacy and Preferred Mail Order cost comparison.
Tier	Standard Option	High Option~	Medicare Advantage^
Tier 1 (generic)	$10	$10	$6
Tier 2 (formulary/preferred brand name)	40% up to a maximum of $800	$150	$50
Tier 3 (non-formulary/non-preferred brand name)	100%	$150 or 40%, whichever is greater	$150

Specialty Pharmacy (30-Day Supply)

Standard and High Option specialty medications must be filled through Optum® Specialty Pharmacy. Medicare Advantage specialty medications are filled through retail or preferred mail order.⁸

2027 Compass Rose Health Plan 30-day Specialty Pharmacy cost comparison.
Tier	Standard Option	High Option~	Medicare Advantage^
Generic	50% up to a maximum of $500	10% up to a maximum of $100	25% up to a maximum of $100
Formulary/preferred brand name	50% up to a maximum of $1,500	25% up to a maximum of $300	25% up to a maximum of $100
Non-formulary/non-preferred brand name	100%	35% up to a maximum of $600	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.

To locate a Tier 1 Provider, look for the blue dot that says Tier 1 when using our Standard and High Option Provider Directory.

^* Deductible applies
^† Precertification required
^‡ Eligibility restrictions apply
^~Members entitled to Medicare Part A and/or enrolled in Medicare Part B — and not enrolled in Compass Rose Medicare Advantage — may be automatically enrolled in our Medicare Prescription Drug Plan (PDP) EGWP^{^} Part D Prescription Drug Coverage

Join an Open Season Webinar

Attend a free live virtual webinar to learn about our 2027 FEHB plan options and ask questions. Prefer to watch on your own time? View our on-demand webinar anytime.

See Upcoming Webinars

Is Your Physician in Network?

The Compass Rose Health Plan 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.

Find a Provider

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.

Man smiling looking down at mobile phone

Additional Protection

Compass Rose Benefits Group partners with LegalShield to offer Legal and Identity Theft Protection at an exclusive rate for federal employees.

Legal Protection

Legal Protection, via LegalShield, provides 24/7 access to top-quality law firms for less than $16 per month.
Identity Theft Protection

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 Compass Rose Health Plan Is Right for You?

We can answer your questions about our health plan options.

Ask Compass Rose

All benefits are subject to the definitions, limitations, and exclusions set forth in the FEHB Plan brochure.

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 Coverage is available only when visiting a network provider, except in certain situations such as emergencies.

² Lower copays for Tier 1 providers are not available to members enrolled in or eligible for Medicare.

³ You and your enrolled spouse can each earn up to the wellness rewards amount.

⁴ Over-the-counter benefits have expiration timeframes. Call the plan or refer to your evidence of coverage for more information.

⁵ 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.

⁶ 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.

⁷For Standard and High Option, 90-day network retail pharmacies are limited to CVS and Walgreens.

⁸Optum Home Delivery®, a service available through Optum Rx®, is provided by our plan. You are not required to use Optum Home Delivery for a 90 day supply of your maintenance medication.

Compass Rose Health Plan & Additional Protection Options

Our Federal Employees Health Benefits (FEHB) Plans Offer: