Find the Plan That's Right For You

High Option Health Plan

Member Guide
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Your health and wellness is our mission. That’s why Compass Rose Benefits Group has been serving our members with a high-quality Federal Employees Health Benefits (FEHB) plan for 75 years and counting.

As a Compass Rose Health Plan member enrolled in our High Option plan, you have access to a comprehensive suite of benefits and personalized service. 

Highlights of the High Option Compass Rose Health Plan

  • Low co-pays and deductibles
  • No referrals
  • Worldwide coverage
  • Up to $350 per year in Wellness Rewards
  • Free unlimited telehealth visits
  • Coverage for massage therapy

2024 High Option Plan Rates

Table with 2024 Compass Rose Benefits Group High Option plan rates based on enrollment type.
Enrollment Type Enrollment Code Biweekly Rate Monthly Rate

Self Only

421 $104.52 $226.46
Self +1 423 $240.59 $521.28
Self & Family  422 $256.11 $554.90

Plan Details

Our goal is to help you understand your benefits so you can take charge of your health and well-being. Below is an overview of the 2024 High Option Compass Rose Health Plan.

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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 2024 FEHB Plan Brochure.

2023 Compass Rose Health Plan High Option preventive care co-pays.

Plan Benefit In-Network You Pay
Well Child Care $0
Adult Annual Routine Exam $0
Immunizations $0
Preventive Screenings $0

2023 Compass Rose Health Plan High Option office visit co-pays.

Visit Type In-Network You Pay
Doctor Office Visits: Primary Care Physician $15
Telehealth through Doctor On Demand & Primary Care Provider $0
Doctor Office Visits: Specialist $25

2023 Compass Rose Health Plan High Option out-of-pocket costs.

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
$9,000 Self Plus One
$9,000 Self and Family

2023 Compass Rose Health Plan High Option services costs.

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 freestanding 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; prior authorization required after 12th visit)
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

2023 Compass Rose Health Plan High Option emergency care costs.

Type of Care In-Network You Pay
Urgent Care $50, waived if admitted 
Emergency Room  $200, waived if admitted

2023 Compass Rose Health Plan High Option hospital care costs.

Type of Care In-Network You Pay
Inpatient Hospital Room and Board $200
Surgical Services 10% of the plan allowance

2023 Compass Rose Health Plan High Option alternative care costs.

Type of Care In-Network You Pay
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)
2023 Compass Rose Health Plan High Option wellness rewards program rewards maximum.
Wellness Rewards Program In-Network You Pay
Wellness Rewards Program Earn up to $350 by completing activities in the Wellness Rewards Program1

Prescription Drug Program

Our Prescription Drug Plan is provided through Optum Rx®. Optum Rx ensures you have access to high-quality, cost-effective medications through a network of retail pharmacies or convenient home delivery. The 2024 Optum Rx Formulary includes a list of commonly prescribed medications covered under our plan. 

Visit Optum Rx to see whether your prescription is covered and compare costs at pharmacies near you.

Visit Optum Rx

30-Day Network Retail Pharmacy co-pays under High Option Plan

30-Day Network Retail Pharmacy You Pay
Generic $5
Formulary/Preferred Brand Name $50
Non-Formulary/Non-Preferred Brand Name $75 or 40%, whichever is greater 

90-Day Smart90 Retail Pharmacy & Home Delivery co-pays under High Option Plan

90-Day Smart90 Retail Pharmacy & Home Delivery You Pay
Generic  $10
Formulary/Preferred Brand Name $100
Non-Formulary/Non-Preferred Brand Name $150 or 40%, whichever is greater

30-Day Specialty Home Delivery co-pays under High Option Plan

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

You have several options for getting prescriptions: 

  1. A local network retail pharmacy, like CVS or Walgreens
  2. Optum Home Delivery (for maintenance drugs, prescribed for at least a three-month supply, up to one year)

Learn More About Home Delivery, Specialty Medications & Prior Authorization

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Living Well Program

Compass Rose Living Well is a free program designed to take away the added stress of managing your health. As a High Option Health Plan member, you get access to dedicated health professionals who can help answer your health questions, meet your health goals and navigate the complexities of the health care system. Plus, you can earn wellness rewards to reduce your out-of-pocket costs.

Learn More About the Compass Rose Living Well Program

* Deductible applies
** Deductible applies outside of free-standing imaging center
Precertification required 
Eligibility restrictions apply
1 You must be the primary member or spouse, 18 or older, on the High Option plan to earn rewards