Highlights of the High Option Compass Rose Health Plan
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Low copays 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
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 2026 High Option Compass Rose Health Plan.
The 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 you.
Our provider directory allows you to quickly search for providers in the UnitedHealthcare Choice Plus network.
Out-of-network providers are not under a contract with UnitedHealthcare, meaning they have not agreed to a negotiated fee-for-services. While you are still covered under the High Option 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 30% of the Plan Allowance plus the difference between the Plan Allowance and the provider’s 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, the High Option Compass Rose Health Plan has you covered. You can see any health care provider or visit any hospital and you will 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.
Your High Option 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 your out-of-pocket healthcare costs.
Learn How Your Plan Coordinates With Medicare
For even more perks, retirees enrolled in Medicare Parts A and B can combine the power of our FEHB Plan with Original Medicare by enrolling in Compass Rose Medicare Advantage, a UnitedHealthcare® Group Medicare Advantage PPO Plan.
Your Compass Rose Health Plan benefits extend beyond the doctor’s office. Achieve your health and wellness goals with free programs designed to help you live a healthier life and manage your health wherever you are. Programs under the High Option Plan include:
- Virtual Visits Through Doctor On Demand
- Digital exercise therapy and pelvic health program through Hinge Health
- Wellness Rewards Program
- Real Appeal® Weight Loss Program
- Fitness Discounts
- And More!
