Since 1948, the Compass Rose Health Plan has provided health care coverage to a select group of Federal employees and retirees.
Join countless others who are taking their coverage to the next level with Compass Rose Medicare Advantage, a UnitedHealthcare® Group Medicare Advantage (PPO) plan.
Compass Rose Medicare Advantage Highlights
$125 monthly Part B premium subsidy
$0 out-of-pocket costs for covered medical services
Hearing, dental and vision coverage included
$40 quarterly over-the-counter item allowance1
Free gym membership
Reduced prescription drug co-pays
2023 High Option Compass Rose Health Plan Rates
You must be enrolled in the High Option Compass Rose Health Plan to enroll in the Compass Rose Medicare Advantage option. There is no additional cost for enrolling in Compass Rose Medicare Advantage. You continue to pay your Compass Rose Health Plan High Option premium and Medicare Part B premium.
|Enrollment Type||Enrollment Code||Biweekly Rate||Monthly Rate|
|Self & Family||422||$247.90||$537.12|
Who Is Eligible?
Compass Rose Medicare Advantage is open to retirees enrolled in the High Option Compass Rose Health Plan and enrolled in Medicare Part A and Part B.
|Annual Medical Deductible||
|Annual Out-Of-Pocket Maximum||None|
|Primary Care Office Visit||$0|
|Specialist Office Visit||$0|
|Telehealth through Doctor On Demand®, AmWell® & Primary Care Provider2||
|Inpatient Hospital Services*||$0|
|Outpatient Hospital Services||$0|
|Massage Therapy Allowance||The Plan pays up to $60 per visit. You are responsible for anything over that amount.|
|Physical, Speech & Occupational Therapies*||$0|
|Durable Medical Equipment||$0|
|Diabetic Supplies (e.g., Test Strips, Lancets & Glucose Monitors)||$0|
|Routine Podiatry||$0 (6 visits max)|
|Hearing Aid Allowance3||Through UnitedHealthcare Hearing, the plan pays up to a $2,400 allowance (combined for both ears) for hearing aid(s) every 3 years. You are responsible for anything over that amount.|
|Dental Benefit||You Pay|
|Class 1 Preventive & Diagnostic (P&D)||$0|
|Class 2 Minor||20% after $50 deductible|
|Class 3 Major||50% after $50 deductible|
|Deductible (P&D Not Included)||$50|
|Annual Calendar Maximum (P&D Not Included)||$1,000|
|Vision Benefit||You Pay|
|Routine Eye Exam Refraction||$0 every 12 months|
|Eyeglasses Allowance||$130 every 12 months|
|Contact Lens Allowance (In Lieu of Eyeglasses)||$175 every 12 months|
|Retail Pharmacy – up to a 30-day supply||You Pay|
|Tier 1 — Generic||$1|
|Tier 2 — Preferred Brand||$25|
|Tier 3 — Non-Preferred Brand||$75|
|Tier 4 — Specialty Tier||25% up to a maximum of $100|
|Retail Pharmacy & Mail order - up to 90-day supply**||You Pay|
|Tier 1 — Generic||$2|
|Tier 2 — Preferred Brand||$50|
|Tier 3 — Non-Preferred Brand||$150|
|Tier 4 — Specialty Tier (limited to a 30-day supply||25% up to a maximum of $100|
* Prior Authorization Required.
** Optum Home Delivery®, a service available through Optum Rx®, is provided by your plan. Optum Rx is an affiliate of UnitedHealthcare Insurance Company. You are not required to use Optum Home Delivery for a 90-day supply of your prescription medication.
This is a summary of the features of the Compass Rose Health Plan Medicare Advantage enhanced level of benefits. All benefits are subject to the definitions, limitations and exclusions set forth in the FEHB Plan Brochure.
Additional Programs & ServicesMembers of Compass Rose Medicare Advantage can take advantage of an array of additional benefits, services and programs to help meet their specific health and lifestyle needs.
Receive a $40-per-quarter benefit that gives you credits to spend on over-the-counter (OTC) care. Shop for toothpaste, pain relief, vitamins, cough drops and more.
OTC benefits have expiration time frames.1
Renew Active is the gold standard in Medicare fitness programs for body and mind, available at no additional cost to you. You’ll receive a free gym membership with access to a national gym network, including access to many premium gyms.
The program includes thousands of on-demand workout videos and live stream fitness classes, social activities at local health and wellness classes and events, an online Fitbit® Community (no Fitbit device needed) and an online brain health program with exclusive content for Renew Active members through AARP® Staying Sharp®.
Participation in the Renew Active program is voluntary. Consult your doctor before beginning an exercise program or making changes to your lifestyle or health care routine.
Renew Active includes standard fitness membership and other offerings. Fitness membership equipment, classes, personalized fitness plans, caregiver access and events may vary by location. Certain services, discounts, classes, events, and online fitness offerings are provided by affiliates of UnitedHealthcare Insurance Company or other third parties not affiliated with UnitedHealthcare. Participation in these third-party services are subject to your acceptance of their respective terms and policies. AARP Staying Sharp is the registered trademark of AARP. Access to Medicare’s largest national gym network is based upon a comparison of competitors’ website data as of May 2022. UnitedHealthcare is not responsible for the services or information provided by third parties. The information provided through these services is for informational purposes only and is not a substitute for the advice of a doctor. Gym networks may vary in local market.
When you travel outside the U.S., get reimbursed for covered medical and prescription drug services at the same cost you have when you’re in the U.S.
With UnitedHealthcare Healthy at Home, you are eligible for the benefits listed below up to 30 days following all inpatient and skilled nursing facility discharges*:
- 28 home-delivered meals when referred by a UnitedHealthcare Engagement Specialist
- 12 one-way rides to medically related appointments and to the pharmacy when referred by a UnitedHealthcare Engagement Specialist
- 6 hours of in-home personal care provided through a CareLinx professional caregiver to perform tasks such as preparing meals, bathing, medication reminders, and more. A referral is not required.
* A new referral is required after every discharge to access your meal and transportation benefit.
Get a yearly preventive care check-in that helps you stay on track with your health between your regular provider visits. It’s done in the comfort of your home and allows plenty of time for you to ask questions about your health.
A HouseCalls visit is designed to support — not replace — your provider’s care. A summary of your HouseCalls visit will be sent to both you and your doctor so your doctor stays informed. This benefit includes:
- Up to an hour long at-home visit from a licensed healthcare practitioner
- A head-to-toe exam, health screenings and plenty of time to talk about your health questions
- A custom care plan made just for you
- Help connecting you with additional care you may need
Note: HouseCalls may not be available in all areas.
With the Personal Emergency Response System (PERS), provided by Lifeline, help is a button push away.
- In-home medical alert monitoring system
- Quick access to help in many situations whether an emergency or you just need a helping hand
- Helps give members confidence and independence
You must have a working landline and/or cellular phone coverage to use PERS.
How to Enroll
To enroll in Compass Rose Medicare Advantage, you will need to be a High Option Compass Rose Health Plan member first.
Frequently Asked QuestionsNeed more help? Read the FAQs below for answers to some common questions about Compass Rose Medicare Advantage.
Medicare Advantage Plans are Part C plans offered by private insurers. They offer all the benefits of original Medicare Part A and Part B. The Compass Rose Medicare Advantage Plan includes prescription drug coverage (Part D) as well as additional benefits, features and programs. You must remain enrolled in Medicare Parts A and B to be eligible for a Medicare Advantage Plan.
Search for providers, hospitals and other health care facilities within the nationwide UnitedHealthcare Group Medicare Advantage network using our Provider Directory.
You can see any provider outside of the network, as long as they accept Medicare and the plan. Accepting the plan means the doctor is willing to see you and bill UnitedHealthcare.
There is no additional cost to enroll in Compass Rose Medicare Advantage. You will continue to pay your High Option Compass Rose Health Plan premium as well as your Medicare Part B premium. You and your eligible spouse will each receive a Medicare Part B subsidy of $125 per month when enrolled in Compass Rose Medicare Advantage.
Income-Related Monthly Adjustment Amount (IRMAA)
IRMAA is an amount Social Security determines you may need to pay in addition to your monthly Part B and D premium if your modified adjusted gross income on your IRS tax return from 2 years ago is above a certain limit. The Compass Rose Medicare Advantage plan’s included prescription drug coverage is considered a Part D plan therefore if you currently have a part B IRMAA then you may incur an additional part D IRMAA when enrolling in this plan.
Most covered medical services with Compass Rose Medicare Advantage have a $0 co-pay, including (but not limited to) preventive care, emergency room, durable medical equipment, routine podiatry and physical therapy.
Under Compass Rose Medicare Advantage, your prescription drug benefit will be provided by Optum Rx®, a UnitedHealth Group company. You may need prior authorization or a new prescription for mail order medications. The Quick Start Guide that you receive following your enrollment includes Optum Rx contact information.
Yes. You must be enrolled in Medicare Part A and Part B to be eligible for Compass Rose Medicare Advantage and you must continue to pay your Part B premium to the government. If you stop paying your Part B premium, you may be disenrolled from your plan.
By enrolling in Compass Rose Medicare Advantage, we will subsidize $125 of your monthly Part B premium.