Form 1095-B for 2023 now available in myCompass

High Option 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 High Option Compass Rose Health Plan is part of the Federal Employees Health Benefits (FEHB) program and offers comprehensive benefits and services.

Highlights of the High Option Compass Rose Health Plan

  • Low co-pays and deductibles
  • No referrals
  • Worldwide coverage
  • Up to $350 per year in Wellness Rewards
  • Free unlimited telehealth visits
  • Coverage for massage therapy

2024 High Option Compass Rose Health Plan Rates

2024 High Option Compass Rose Health Plan Rates

Enrollment Type Enrollment Code Biweekly Rate Monthly Rate
Self Only 421 $104.52 $226.46
Self +1 423 $240.59 $521.28
Self & Family 422 $256.11 $554.90

Who Is Eligible?

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

Enroll in the High Option Compass Rose Health Plan

Plan Details

See what coverage you’ll get with the 2024 High Option Compass Rose Health Plan.

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Ready to Enroll in the High Option Compass Rose Health Plan?

Plan Benefits

This is a summary of the features of the High Option Compass Rose Health Plan. All benefits are subject to the definitions, limitations and exclusions outlined in the 2024 FEHB Plan Brochure.

2023 Compass Rose Health Plan High Option preventive care co-pays.
Plan Benefit In-Network You Pay
Well Child Care $0
Adult Annual Routine Exam $0
Immunizations $0
Preventive Screenings $0

2023 Compass Rose Health Plan High Option office visit co-pays.

Visit Type In-Network You Pay
Doctor Office Visits: Primary Care Physician $15

Telehealth through Doctor On Demand & Primary Care Provider

$0
Doctor Office Visits: Specialist $25

2023 Compass Rose Health Plan High Option out-of-pocket costs.

Out-of-Pocket Costs In-Network You Pay
Annual Deductible $350 Self
$700 Self Plus One
$700 Self and Family
Out-of-Pocket Maximum $5,000 Self
$9,000 Self Plus One
$9,000 Self and Family

2023 Compass Rose Health Plan High Option services costs.

Service In-Network You Pay
Lab Work through LabCorp & Quest Diagnostics $0
Simple Diagnostic Testing (X-ray, Ultrasound)  $0 in free-standing imaging center 
10% of the plan allowance outside the free-standing imaging center*
Advanced Imaging (MRI, MRA, SPECT, CTA, PET & CT scans) 10% of the plan allowance**
Home Health Services 10% of the plan allowance 
(90 visits max) 
Physical, Occupational & Speech Therapies 10% of the plan allowance* 
(90 combined visits annually; prior authorization required after 12th visit)
Virtual Physical Care from Sword Health $0
Digital Pelvic Health from Bloom $0
Routine Maternity Care  $0
Weight Loss Program through Real Appeal®‡ $0
Tobacco Cessation $0

2023 Compass Rose Health Plan High Option emergency care costs.

Type of Care In-Network You Pay
Urgent Care $50, waived if admitted 
Emergency Room $200, waived if admitted 

2023 Compass Rose Health Plan High Option hospital care costs.

Type of Care In-Network You Pay
Inpatient Hospital Room and Board $200 
Surgical Services 10% of the plan allowance 
2023 Compass Rose Health Plan High Option alternative care costs.
Type of Care In-Network You Pay
Basic Chiropractic Care  10% of the plan allowance* (24 visits annually) 
Acupuncture for Anesthesia & Pain Relief  10% of the plan allowance* (24 visits annually) 
Massage Therapy  Reimbursed up to $60 per visit (up to 12 visits annually) 

2023 Compass Rose Health Plan High Option wellness rewards program rewards maximum.

Wellness Rewards Program In-Network You Pay
Wellness Rewards Program Earn up to $350 by completing activities in the Wellness Rewards Program1

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

30-Day Network Retail Pharmacy co-pays under High Option Plan
30-Day Network Retail Pharmacy You Pay
Generic $5
Formulary/Preferred Brand Name $50
Non-Formulary/Non-Preferred Brand Name $75 or 40%, whichever is greater
90-Day Smart90 Retail Pharmacy & Home Delivery co-pays under High Option Plan
90-Day Smart90 Retail Pharmacy & Home Delivery You Pay
Generic $10
Formulary/Preferred Brand Name $100
Non-Formulary/Non-Preferred Brand Name $150 or 40%, whichever is greater

30-Day Specialty Home Delivery co-pays under High Option Plan

30-Day Specialty Home Delivery You Pay
Generic 10% up to a maximum of $100
Formulary/Preferred Brand Name 25% up to a maximum of $250
Non-Formulary/Non-Preferred Brand Name 35% up to a maximum of $500

You have several options for getting prescriptions:

  1. A local in-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.”
    Erika 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 High Option Compass Rose Health Plan FEHB Brochure

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

Download FEHB Brochure

2024-FEHB-brochure

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

* Deductible applies
** Deductible applies outside of free-standing imaging center
 Precertification required 
 Eligibility restrictions apply
1 You must be the primary member or spouse, 18 or older, on the High Option Compass Rose Health Plan to earn rewards