High Option Compass Rose Health Plan Overview

The High Option Compass Rose Health Plan is powered by the UnitedHealthcare Choice Plus network. To help keep out-of-pocket costs low, our contract with UnitedHealthcare limits what doctors, hospitals and other facilities in the network are allowed to charge our members.

Our provider directory allows you to quickly search for doctors, hospitals and other health care providers in the UnitedHealthcare Choice Plus network.

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Out-of-network providers are not under a contract, meaning they have not agreed to a negotiated fee-for-services. While you are still covered under the High Option Compass Rose Health Plan if you choose to use an out-of-network provider, you will likely end up paying more.

Out-of-network, you are responsible for paying 70% of the plan allowance plus the difference between the plan allowance and the billed amount.

The plan allowance is typically equal to 200% of the current Medicare rate for professional and facility expenses.

When work or travel takes you overseas, our high-option plan has you covered. The High Option Compass Rose Health Plan members can see any health care provider or visit any hospital and be reimbursed at the in-network level of benefits.

When you use a provider outside the United States, you will pay them up front, then submit the receipt and detailed billing invoice for claims processing and reimbursement.

The High Option Compass Rose Health Plan coordinates with Medicare Parts A and B for even better coverage and protection. Though enrolling in Medicare is not required, dual enrollment can help significantly decrease out-of-pocket health care costs.

Learn How We Coordinate with Medicare

For even more perks, retirees enrolled in Medicare Parts A and B can combine the power of our high-option FEHB Plan with Original Medicare by enrolling in Compass Rose Medicare Advantage, a UnitedHealthcare® Group Medicare Advantage PPO Plan.

Enhance Your Coverage With Compass Rose Medicare Advantage