Compass Rose Health Plan Highlights

We pride ourselves on offering individual attention to each insured employee and their family. The Compass Rose Health Plan's mission is to provide you with a health plan that best meets your personal needs. Here is an at-a-glance overview of the 2023 Compass Rose Health Plan.

NETWORK COVERAGE

Our Federal Employees Health Benefits Plan offers nationwide coverage through UnitedHealthcare’s Choice Plus network as well as overseas coverage.

• In-Network Coverage
  • We contract with the UnitedHealthcare Choice Plus network of doctors, hospitals and other facilities to limit what they will bill — helping to lower your out-of-pocket costs. When using a UnitedHealthcare Choice Plus provider in-network benefits apply and you are only responsible for a copayment or 10% of the cost after meeting your deductible.
• Out-of-Network Coverage
  • If you go out-of-network, you are still covered but are responsible for paying 70% of the Plan Allowance PLUS the difference between the Plan Allowance and the billed amount. The Plan Allowance is the maximum amount we will pay for a covered health care service; typically, the amount that providers we contract with have agreed to accept as payment in full. Out-of-network providers are not under a contract, meaning they have not agreed to a negotiated fee-for-services — so you will likely end up paying more.
• Overseas Coverage
  • If you receive health care from a provider outside of the 50 United States, generally your claim is paid as in-network — with one caveat. You pay the provider first, up front. Then, you submit your receipt and the detailed billing invoice for claims processing and reimbursement using our overseas claim form.

2023 HEALTH PLAN RATES