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What you need to know

Member Rights & Responsibilities

As a member of the Compass Rose Health Plan, you have the right to:

  • Know the names and qualifications of healthcare professionals involved in your medical treatment.
  • Know what services are covered including non-covered services, limitations, and exclusions.
  • Obtain information about applicable fees and payment policies.
  • View current information, including malpractice insurance, about the healthcare professionals, hospitals, and other providers that participate in the Plan.
  • Instruction on how to file a complaint or appeal with the Plan. See FEHB Plan brochure for details.
  • Instructions on how to submit a claim. Find instructions online at: www.compassrosebenefits.com/tutorials/how-to-submit-a-claim.
  • Privacy. View up-to-date privacy practices at: www.compassrosebenefits.com/privacy-practices.
  • Be treated with consideration, dignity, and respect at all times.
  • Confidentiality of protected health information (PHI).
  • Access emergency healthcare or after-hours services when and where the need arises.
  • Access to out-of-area care and covered services (as applicable).
  • Participate in decisions involving your health care, including the right to refuse to participate in research, if applicable.
  • Access the network for primary and specialty care, including behavioral health care.
  • Access to pharmaceutical management programs.
  • Select and change providers. Access our provider directories at: www.compassrosebenefits.com/find-care/choosing-a-provider.
  • Receive interpretive services or services for hearing or visual impairments, as necessary. Learn more at: www.compassrosebenefits.com/policies/section-1557.
  • Receive accurate and complete information concerning your evaluation, diagnosis, treatment, and prognosis.
  • Obtain information about advance directives.
  • Communicate with healthcare providers in confidence and to have the confidentiality of your individually identifiable healthcare information protected.
  • All information is provided in a manner that is easy to understand.

As a member of the Compass Rose Health Plan, you are responsible for:

  • Providing an accurate health history, including information about over-the-counter and prescription medications, dietary supplements, and allergies or sensitivities.
  • Following the treatment and care prescribed by your healthcare providers.
  • Informing providers about living wills, medical power of attorney, or other directives affecting care.
  • Accepting personal fiscal responsibility for costs not covered by insurance, if applicable, and adhering to all applicable fees and payment policies.
  • Treating healthcare providers, staff, and others with respect.
  • Informing healthcare providers about other medical insurance coverage that you or your family members may have.

As of: September 30, 2025