What is Medicare?

Medicare provides health insurance throughout the United States to the following

  • People 65 years of age or older

  • People under 65 with certain disabilities

  • People of any age diagnosed with End-Stage Renal Disease (ESRD) - permanent kidney failure requiring dialysis or a kidney transplant

Three months prior to your 65th birthday, the United States Social Security Administration will notify you about your upcoming benefits available through Medicare.  If you choose to enroll, your coverage becomes effective the FIRST day of the month you turn 65.

Understanding Medicare

The Four Parts of Medicare

Additional Benefits

Medicare and the Compass Rose Health Plan

Enrolling in Medicare is not required, but there are definitely some advantages to having Medicare as your primary payer and the Compass Rose Health Plan as your secondary.

  1. Upon turning age 65, most Federal employees and annuitants are entitled to Medicare Part A at no additional cost. If you are not responsible for paying premiums, we strongly encourage you to obtain Part A coverage. As your health plan, we will waive your hospital co-pays and coinsurance.
  2. For members with Medicare Part B coverage, as your health plan, we will waive your calendar year deductible, co-pays, and coinsurance for medical services and supplies provided by physicians and other health care professionals. We will also waive your deductibles and coinsurance for extended dental treatment for accidental injuries.
  3. We provide lower co-pays for your prescription drugs.
  4. With Medicare Part B, you are also covered if you require diabetes testing supplies, respiratory supplies and medications, immunosuppressive medications, and oral anti-cancer medications. You obtain these supplies by:

Once you are enrolled in Medicare Part B, you have the freedom to be seen by ANY participating Medicare provider whether PPO, non-PPO, or out-of-network—WITHOUT penalty. Click here to verify that your provider participates in Medicare.

Prescription Drugs

Level Retail (30-day supply) Home Delivery (90-day supply)
Level 1


Level 2

Brand Name Formulary*

$18 CO-PAY
$36 CO-PAY
Level 3

Brand Name Non-Formulary

30% or $35
whichever is greater*
30% or $45
whichever is greater*

*If there is no Generic equivalent, you will still have to pay the Level 2 or Level 3 co-pay.

If you require prescription medications to treat severe and/or chronic medical conditions that are usually administered by injections or infusion,
you may be subject to our Specialty Pharmacy Benefit. 

Click here for more information on prescription drug coverage for Medicare participants without Part B.