For 75 years, Compass Rose Benefits Group has provided eligible federal employees and their families with high-quality insurance coverage. The High Option Compass Rose Health Plan is part of the Federal Employees Health Benefits (FEHB) program and offers comprehensive benefits and services.
Highlights of the High Option Compass Rose Health Plan
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Low co-pays and deductibles
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No referrals
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Worldwide coverage
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Up to $350 per year in Wellness Rewards
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Free unlimited telehealth visits
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Coverage for massage therapy
2023 High Option Compass Rose Health Plan Rates
Enrollment Type | Enrollment Code | Biweekly Rate | Monthly Rate |
---|---|---|---|
Self Only | 421 | $98.32 | $213.02 |
Self +1 | 423 | $227.19 | $492.25 |
Self & Family | 422 | $247.90 | $537.12 |
Who Is Eligible?
The High Option Compass Rose Health Plan is part of the FEHB program and is open to an exclusive group of civilian federal employees and retirees in the Intelligence Community, Department of State, Department of Defense and Department of Homeland Security.
Enroll in the High Option Compass Rose Health Plan
Plan Details
See what coverage you’ll get with the 2023 High Option Compass Rose Health Plan.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.
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.

Ready to Enroll in the High Option Compass Rose Health Plan?
Plan Benefits
This is a summary of the features of the High Option Compass Rose Health Plan. All benefits are subject to the definitions, limitations and exclusions outlined in the 2023 FEHB Plan Brochure.
- Preventive Care
- Office Visits
- Out-of-Pocket Costs
- Services
- Emergency Care
- Hospital Care
- Alternative Care
- Rewards Program
Plan Benefit | In-Network You Pay |
---|---|
Well Child Care | $0 |
Adult Annual Routine Exam | $0 |
Immunizations | $0 |
Preventive Screenings | $0 |
Visit Type | In-Network You Pay |
---|---|
Doctor Office Visits: Primary Care Physician | $15 |
$0 | |
Doctor Office Visits: Specialist | $25 |
Out-of-Pocket Costs | In-Network You Pay |
---|---|
Annual Deductible | $350 Self $700 Self Plus One $700 Self and Family |
Out-of-Pocket Maximum | $5,000 Self $7,000 Self Plus One $7,000 Self and Family |
Service | In-Network You Pay |
---|---|
Lab Work through LabCorp & Quest Diagnostics | $0 |
Simple Diagnostic Testing (X-ray, Ultrasound) | $0 in free-standing imaging center 10% of the plan allowance outside the free-standing imaging center* |
Advanced Imaging† (MRI, MRA, SPECT, CTA, PET & CT scans) | 10% of the plan allowance** |
Home Health Services† | 10% of the plan allowance (90 visits max) |
Physical, Occupational & Speech Therapies† | 10% of the plan allowance* (90 combined visits annually; prior authorization required after 12th visit) |
Virtual Physical Care from Sword Health‡ | $0 |
Digital Pelvic Health from Bloom‡ | $0 |
Routine Maternity Care | $0 |
Weight Loss Program through Real Appeal®‡ | $0 |
Tobacco Cessation | $0 |
Type of Care | In-Network You Pay |
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Urgent Care | $50, waived if admitted |
Emergency Room | $200, waived if admitted |
Type of Care | In-Network You Pay |
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Inpatient Hospital Care† | $200 |
Surgical Services† | 10% of the plan allowance |
Type of Care | In-Network You Pay |
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Basic Chiropractic Care | 10% of the plan allowance* (24 visits annually) |
Acupuncture for Anesthesia & Pain Relief | 10% of the plan allowance* (24 visits annually) |
Massage Therapy | Reimbursed up to $60 per visit (up to 12 visits annually) |
Wellness Rewards Program | In-Network You Pay |
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Wellness Rewards Program | Earn up to $350 by completing activities in the Wellness Rewards Program1 |
Prescription Drug Program
Our prescription drug program is provided through Express Scripts, utilizing their National Preferred Formulary. Express Scripts ensures our members have access to high-quality, cost-effective medications through a network of retail pharmacies or convenient home delivery.
Medications used to treat severe or chronic medical conditions (usually administered by injections or infusions) may be subject to the Specialty Pharmacy Benefit administered by Accredo. Certain medications may require prior authorization.
Visit Express Scripts to see whether your prescription is covered and compare costs at pharmacies near you.
We’re switching to Optum Rx in 2024.
30-Day Network Retail Pharmacy | You Pay |
---|---|
Generic | $5 |
Formulary/Preferred Brand Name | $45 |
Non-Formulary/Non-Preferred Brand Name | $75 or 40%, whichever is greater |
90-Day Smart90 Retail Pharmacy & Home Delivery | You Pay |
---|---|
Generic | $10 |
Formulary/Preferred Brand Name | $90 |
Non-Formulary/Non-Preferred Brand Name | $150 or 40%, whichever is greater |
30-Day Specialty Home Delivery | You Pay |
---|---|
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 |
High Option Health Plan members also enrolled in Medicare Part B get lower co-pays for prescription drugs.
30-Day Network Retail Pharmacy | You Pay |
---|---|
Generic | $3 |
Formulary/Preferred Brand Name | $25 |
Non-Formulary/Non-Preferred Brand Name | $50 or 35%, whichever is greater |
90-Day Smart90 Retail Pharmacy & Home Delivery | You Pay |
---|---|
Generic | $3 |
Formulary/Preferred Brand Name | $50 |
Non-Formulary/Non-Preferred Brand Name | $100 or 35%, whichever is greater |
30-Day Specialty Home Delivery | You Pay |
---|---|
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 |
Filling Prescriptions
You have several options for getting prescriptions:
- A local in-network retail pharmacy
- A Smart90 retail pharmacy, like CVS or Walgreens
- Express Scripts Home Delivery (for maintenance drugs, prescribed for at least a three-month supply, up to one year)
Get a three-month supply of your prescription for the cost of two months through home delivery or a Smart90 retail pharmacy.