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Standard 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 Standard plan, you have access to a comprehensive suite of benefits and personalized service. 

Highlights of the Standard Compass Rose Health Plan

  • Lower premiums
  • No referrals
  • Lower co-pays for preferred providers
  • 5 free virtual visits
  • $100 annual vision allowance

2024 Standard Plan Rates

2024 Standard Compass Rose Health Plan rates based on enrollment type.
Enrollment Type Enrollment Code Biweekly Rate Monthly Rate

Self Only

 424 $52.86 $114.54
Self +1 426 $116.31 $252.00
Self & Family  425 $126.88 $274.91

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 Standard Compass Rose Health Plan.

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Plan Benefits

This is a summary of the features of the Standard Compass Rose Health Plan. All benefits are subject to the definitions, limitations and exclusions outlined in the 2024 FEHB Plan Brochure. 

2024 Standard Compass Rose Health Plan  preventive care co-pays.
Plan Benefit In-Network You Pay
Well Child Care $0
Adult Annual Routine Exam $0
Immunizations $0
Preventive Screenings $0
Contraceptive Care $0

2024 Standard Compass Rose Health Plan office visit co-pays.
Visit Type In-Network You Pay
Doctor Office Visits: Primary Care Physician (PCP) Premium Designated PCP: $10  
Non-Premium Designated PCP: $35 
Telehealth through Doctor On Demand $0 for first five visits 
$10 after fifth visit 
Telehealth through PCP  Premium Designated PCP: $10  
Non-Premium Designated PCP: $35 
Doctor Office Visits: Specialist Premium Designated PCP: $30  
Non-Premium Designated PCP: $70 

2024 Standard Compass Rose Health Plan out-of-pocket costs.
Out-of-Pocket Costs In-Network You Pay
Annual Deductible

$500 Self 
$1,000 Self Plus One 
$1,000 Self and Family 
Out-of-Pocket Maximum $9,000 Self 
$18,000 Self Plus One 
$18,000 Self and Family 

2024 Standard Compass Rose Health Plan services costs.
Service In-Network You Pay
Lab Work 30% of the Plan Allowance* 
Simple Diagnostic Testing (X-ray, ultrasound) 30% of the Plan Allowance* 
Advanced Imaging1 (MRI, MRA, SPECT, CTA, PET & CT scans) 30% of the Plan Allowance* 
Home Health Services1 30% of the Plan Allowance*  
(25 visits max) 
Physical, Occupational & Speech Therapies1 30% of the Plan Allowance* (25 combined visits max; Prior Authorization required after 12th visit) 
Routine Maternity Care 30% of the Plan Allowance* 
Tobacco Cessation $0

2024 Standard Compass Rose Health Plan emergency care costs.
Type of Care In-Network You Pay
Urgent Care $50, waived if admitted 
Emergency Room  $500, waived if admitted

2024 Standard Compass Rose Health Plan hospital care costs.
Type of Care In-Network You Pay
Inpatient Hospital Room and Board1 30% of the Plan Allowance* 
Surgical Services1 30% of the Plan Allowance* 

2024 Standard Compass Rose Health Plan alternative care costs.
Type of Care In-Network You Pay
Basic Chiropractic Care 30% of the Plan Allowance* (12 visits annually)  
Acupuncture for Anesthesia & Pain Relief 30% of the Plan Allowance* (12 visits annually)  
Massage Therapy Reimbursed up to $60 per visit (up to 4 visits annually)  

2024 Standard Compass Rose Health Plan dental & vision benefits.
Plan Benefit In-Network You Pay
Dental

Allowance for Routine Oral Examinations: $39 twice per year

Allowance for Dental Fillings: 
One Surface: $12 
Two Surfaces: $19 
Three or More Surfaces: $24
Vision $100 annual allowance to use on eyeglasses, contacts or vision exams

* Deductible applies.  
1 Precertification required.  

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
2024 Standard Compass Rose Health Plan 30-Day Network Retail Pharmacy co-pays.
30-Day Network Retail Pharmacy You Pay
Generic $5
Formulary/Preferred Brand Name 40% up to a maximum of $400
Non-Formulary/Non-Preferred Brand Name 100% 
2024 Standard Compass Rose Health Plan 90-Day Retail Pharmacy & Home Delivery co-pays.
90-Day Retail Pharmacy (CVS & Walgreens) & Home Delivery You Pay
Generic  $10
Formulary/Preferred Brand Name 40% up to a maximum of $800 
Non-Formulary/Non-Preferred Brand Name 100%

2024 Standard Compass Rose Health Plan 30-Day Specialty Home Delivery co-pays.
30-Day Specialty Home Delivery You Pay
Generic 50% up to a maximum of $500
Formulary/Preferred Brand Name 50% up to a maximum of $1,000
Non-Formulary/Non-Preferred Brand Name 100%
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 Standard 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.  

Learn More About the Compass Rose Living Well Program