At the Compass Rose Health Plan, it has been our honor for 75 years to serve select Federal retirees and their families with high-quality insurance coverage.
With Compass Rose Medicare Advantage, a UnitedHealthcare® Group Medicare Advantage (PPO) plan, you can take your already fantastic coverage to the next level.
Compass Rose Medicare Advantage Highlights
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$125 monthly Part B premium subsidy
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$0 out-of-pocket costs for covered medical services
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Hearing, dental, and vision coverage included
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$40 quarterly over-the-counter item allowance1
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Free gym membership
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Reduced prescription drug copays
See 2026 Medicare Advantage Rates and Benefits
2025 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 Only | 421 | $124.48 | $269.71 |
| Self +1 | 423 | $279.65 | $605.91 |
| Self & Family | 422 | $299.95 | $649.89 |
Who Is Eligible?
You must be a retiree enrolled in the High Option Compass Rose Health Plan and enrolled in Medicare Parts A and B.
Compass Rose Medicare Advantage Website
2025 Compass Rose Medicare Advantage Benefits Summary
- Benefits
- Dental
- Vision
- Retail Pharmacy – Up to a 30-Day Supply
- Retail Pharmacy & Mail Order – Up to 90-Day Supply**
| Benefit | You Pay |
|---|---|
| Annual Medical Deductible | None |
| Annual Out-Of-Pocket Maximum | None |
| Primary Care Office Visit | $0 |
| Specialist Office Visit | $0 |
| Telehealth through Doctor On Demand®, AmWell® & Primary Care Provider2 | $0 |
| Inpatient Hospital Services* | $0 |
| Outpatient Hospital Services | $0 |
| Ambulance Services | $0 |
| Emergency Room | $0 |
| Massage Therapy Allowance | The Plan pays up to $60 per visit. You are responsible for anything over that amount. |
| Urgent Care | $0 |
| Physical, Speech & Occupational Therapies* | $0 |
| Durable Medical Equipment | $0 |
| Prosthetics | $0 |
| Diabetic Supplies (e.g., Test Strips, Lancets & Glucose Monitors) | $0 |
| Preventive Services | $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 & Services
As a Compass Rose Medicare Advantage member, you can enjoy an array of additional benefits, services, and programs to help meet your specific health and lifestyle needs.You and your enrolled spouse will each receive a monthly Part B premium reduction of $125.
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.
Renew Active includes:
- Thousands of on-demand workout videos
- Live streamed fitness classes
- Health and wellness classes and activities
- Access to online memory fitness activities
The Renew Active® Program and its gym network varies by plan/area and may not be available on all plans. Participation in the Renew Active program is voluntary. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine. Renew Active includes standard fitness membership at participating locations and other offerings. The participating locations and offerings may change at any time. Fitness membership equipment, classes and activities may vary by location. Certain services, classes, activities 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 is subject to your acceptance of their respective terms and policies. 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.
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
- Six hours of non-medical personal care provided through a 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 health care 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
- A medication review
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
Retirees enrolled in the High Option Compass Rose Health Plan and enrolled in Medicare Parts A and B can elect the Medicare Advantage enhanced level of benefits at any time throughout the year. Call our dedicated line with UnitedHealthcare at 1-844-279-9286, 8 a.m. to 8 p.m. local time, 7 days a week. TTY users, call 711.