Notice of Health Plan Accreditation Survey

Standard Compass Rose Health Plan Overview

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For 75 years, Compass Rose Benefits Group has provided eligible federal employees and their families with high-quality insurance coverage. The Standard Compass Rose Health Plan is part of the Federal Employees Health Benefits (FEHB) program and offers comprehensive benefits and services.

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
  • Coverage for massage therapy

2024 Standard Compass Rose Health 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 

Who Is Eligible?

The Standard Compass Rose Health Plan is part of the FEHB program and is open to an exclusive group of civilian federal employees in the Intelligence Community, Department of State, Department of Defense, Department of Homeland Security and Department of Veterans Affairs.

Enroll in the Standard Compass Rose Health Plan

Plan Details

See what coverage you’ll get with the Standard Compass Rose Health Plan in 2024. 

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Plan Benefits

This is a summary of the features of the Standard 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 Specialist: $30  
Non-Premium Designated Specialist: $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.

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)  

Get a three-month supply of your prescription for the cost of two months through Optum Home Delivery, CVS or Walgreens.

  • "Working with Compass Rose has been phenomenal. They have coordinated so many things including the transfer of all my prescriptions. Things are going so smoothly now."
    Russell M.
    retired federal employee
  • "With Compass Rose's support, the quality of my husband's life has improved dramatically. I have always been truly satisfied with Compass Rose."
    Erica B.
    Compass Rose Health Plan member for over 50 years
  • The respect, patience, and professionalism I received from Compass Rose was above and beyond. I am genuinely satisfied and relieved.
    John B.
    son of Compass Rose Health Plan member

2024 Compass Rose Health Plan FEHB Brochure 

Access the brochure below for full details of the Compass Rose Health Plan. 

Download Brochure

2024-FEHB-brochure

Unsure if the Compass Rose Health Plan Is Right for You?