Compass Rose Health Plan High Option Highlights
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Low copays and deductibles
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No referrals for specialists
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Worldwide coverage
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Up to $350 per year in Wellness Rewards
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Free unlimited telehealth visits
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Coverage for massage therapy
Compass Rose Health Plan High Option Details
See what coverage you’ll get with the 2027 Compass Rose Health Plan High Option.The Compass Rose Health Plan uses the UnitedHealthcare Choice Plus national provider network. This network includes doctors, hospitals, and other facilities that have agreed to contracted rates, which can help keep your out-of-pocket costs low.
The Compass Rose Health Plan is independent of UnitedHealthcare. While we contract with one of their provider networks, Compass Rose sets its own benefits and coverage, including which services are covered and which may require prior authorization.
Out-of-network providers are not under a contract, meaning they have not agreed to a negotiated fee-for-services. While you are still covered under the Compass Rose Health Plan High Option if you choose to use an out-of-network provider, you will likely end up paying more.
Out-of-network, you are responsible for paying 30% of the plan allowance plus the difference between the plan allowance and the billed amount.
The plan allowance is typically equal to 200% of the current Medicare rate for professional and facility expenses.
When work or travel takes you overseas, our High Option plan has you covered. Compass Rose Health Plan High Option members can see any health care provider or visit any hospital and be reimbursed at the in-network level of benefits.
When you use a provider outside the United States, you will pay them up front, then submit the receipt and detailed billing invoice for claims processing and reimbursement.
The Compass Rose Health Plan High Option coordinates with Medicare Parts A and B for even better coverage and protection. Though enrolling in Medicare is not required, dual enrollment can help significantly decrease out-of-pocket health care costs.
Learn How We Coordinate with Medicare
For even more perks, retirees enrolled in Medicare Parts A and B can combine the power of our high-option FEHB Plan with Original Medicare by enrolling in Compass Rose Medicare Advantage, a UnitedHealthcare® Group Medicare Advantage PPO Plan.
