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Surgery Centers of Excellence

High Option Members: Get eligible surgeries covered at 100% with Tier 1 providers

The High Option Compass Rose Health Plan includes a Surgery Centers of Excellence (COE) program for certain covered procedures. In-network facility and professional services associated with the surgical date are covered in full when the surgery is performed by an in-network Tier 1 providers. Members who live more than 50 miles from an in-network Tier 1 provider may also qualify for a $2,000 travel allowance to help with expenses related to the procedure.

Beginning January 1, 2027, Surgery Centers of Excellence will be renamed as the Enhanced Surgical Benefit. The benefit itself is not changing.

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Finding a Tier 1 Provider

Choosing the right provider is an important part of getting the best results from surgery. That’s why our plan uses the UnitedHealth Premium® Program, which evaluates providers using national quality and cost of care standards.

Providers are evaluated on:

  • Quality of care
  • How efficiently care is delivered
  • Overall cost of care

Providers who meet these standards earn the Tier 1 designation. This means they have met criteria for delivering care that is safe, effective, and cost-efficient.

To find a Tier 1 provider, search the UHC Choice Plus Premier Network for High Option members in our provider directory. In your search results, look for providers marked with the Tier 1 Provider designation. These providers appear at the top of the results when available. If no Tier 1 providers appear, try expanding your geographic search area.

Find a Tier 1 Provider

For assistance locating a Tier 1 Provider, call us at 888-438-9135 from 8 a.m. to 8 p.m. ET, Monday–Friday. 

What's Covered

The enhanced surgical benefit under the High Option plan applies to certain joint replacements, heart procedures, and spine surgeries. Examples include:

  • Joint replacements of the shoulder, hip, or knee
  • Heart procedures such as pacemakers, defibrillators, valve surgeries, coronary artery bypass grafts, or cardiac ablations
  • Spine surgeries such as laminectomies or fusions

To confirm whether a procedure is covered, call 888-438-9135 from 8 a.m. to 8 p.m. ET, Monday–Friday.

When these surgeries are performed by an in-network Tier 1 provider, the following are covered at no cost to you:

  • In-network facility fees
  • In-network Radiology, Anesthesiology, Pathology, and Lab charges linked to the surgery date
  • In-network professional services on the day of surgery 

What's Not Covered

The benefit does not apply to:

  • Office visits before or after surgery
  • Pre-op or post-op care on different dates
  • Scans or diagnostic tests done outside the surgery date
  • Other procedures performed on different dates of service
  • Surgical procedures not listed in the What’s Covered section above
  • Bariatric or transplant surgeries through Optum® Centers of Excellence

All benefits are subject to the definitions, limitations, and exclusions set forth in the FEHB Plan Brochure.

In-Network Cost Breakdown

In-network cost breakdown of Surgery Centers of Excellence.
Provider Type Your Cost for Covered Surgeries*
Tier 1 provider $0
Other providers 10% of the Plan Allowance


* Precertification required

Travel Benefit

If you live more than 50 miles from an in-network Tier 1 provider, you may qualify for a travel allowance of up to $2,000. No prior approval is needed for travel. Covered expenses include lodging, transportation, and meals.

Members must pay for travel expenses up front and then submit a claim for reimbursement. For more information, see How to Submit a Claim.

Frequently Asked Questions

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Have questions about the Surgery Centers of Excellence program?

Call UMR at 888-438-9135 8 a.m. to 8 p.m. ET, Monday – Friday or email compassrose@umr.com.