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Compass Rose Health Plan & Additional Protection Options

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For over 75 years, thousands of federal employees, retirees, and their families have trusted Compass Rose Benefits Group for their insurance needs. Take a look at our plans to find the one that best fits your needs.

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Our Federal Employees Health Benefits (FEHB) Plans Include:

  • One of the largest national provider networks in the U.S.
  • Preventive care for $0 co-pay
  • No referrals for specialists

Compass Rose Health Plans Overview

Standard Option

Stay in-network and spend less on your premiums with our low option plan. You’ll pay less for your health plan upfront but have higher out-of-pocket costs throughout the year.

  • Lower premiums
  • In-network care only
  • Lower co-pays for preferred providers
  • 5 free virtual visits
  • $100 annual vision allowance
Learn More About Standard Option Plan

High Option

Get comprehensive benefits and the flexibility to go in- or out-of-network. You’ll pay higher premiums, but have lower out-of-pocket costs and deductibles when you need care.

  • Low co-pays
  • In- and out-of-network coverage
  • Premium pharmacy benefits
  • Up to $350 in wellness rewards
  • Unlimited free virtual visits
Learn More About High Option Plan

Medicare Advantage

Enhance your Compass Rose Health Plan High Option benefits with Compass Rose Medicare Advantage, a UnitedHealthcare® Group Medicare Advantage (PPO) plan.

  • $125 monthly Part B premium subsidy
  • $1 co-pay for generic drugs 
  • $40/quarter for over-the-counter items1
  • Free gym membership
  • Hearing, dental and vision included
Learn More About Medicare Advantage

Compare Plans

Check out our plans — side by side — to see the difference in benefits and coverage.

Chart comparing benefits available under each plan option.
Plan Benefit Standard Option High Option Medicare Advantage Option
In-Network Care Yes Yes Yes
Out-of-Network Care No Yes Yes
Overseas Coverage Yes Yes Yes
Preventive care for $0 co-pay Yes Yes Yes
Wellness Rewards No Yes Yes
Waived coinsurance & deductibles w/ Medicare Part B No Yes Yes
$125 Monthly Medicare Part B Premium Subsidy No No Yes
Standard Option Plan
High Option Plan
Compass Rose Medicare Advantage

*Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

Sign Up for a Compass Rose Health Plan

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2025 Health Plan Rates

We pride ourselves on providing competitive rates with fantastic benefits. 

Standard Option

2025 Compass Rose Health Plan Standard Option plan rates
Enrollment Type Biweekly Monthly
Self Only (424) $58.15 $126.00
Self +1 (426) $127.94 $277.20
Self & Family (425) $139.57 $302.40

High Option & Medicare Advantage

2025 Compass Rose Health Plan High Option & Medicare Advantage plan rates
Enrollment Type Biweekly Monthly
Self Only (421) $124.48 $269.71
Self +1 (423) $279.65 $605.91
Self & Family (422) $299.95 $649.89

2025 Health Plan Benefits

Explore typical costs when you use in-network providers for covered services. 

Deductible

2025 Compass Rose Health Plan deductible comparison. 
Plan Type Standard Option High Option Medicare Advantage
Self Only $500 $350 None
Self +1 and Family $1,000 $700 None

Out-Of-Pocket Maximum

2025 Compass Rose Health Plan out of pocket maximum comparison.
Plan Type Standard Option High Option Medicare Advantage
Self Only $9,000

$5,000

 None
Self +1 $18,000 $10,000 None
Self and Family $18,000 $10,000 None

Preventive Care

2025 Compass Rose Health Plan preventive care copay comparison.
Plan Benefit Standard Option High Option Medicare Advantage
Well Child Care $0 $0 N/A
Adult Annual Routine Exam $0 $0

$0
Immunizations $0 $0 $0
Preventive Screenings $0 $0 $0

Office Visits

2025 Compass Rose Health Plan office visit copays.
Visit Type Standard Option High Option Medicare Advantage
Doctor Office Visits: Primary Care Physician (PCP)

Premium Designated PCP: $10

Non-Premium Designated PCP: $35

 $15 $0
Doctor Office Visits: Specialist

Premium Designated Specialist: $30

Non-Premium Designated Specialist: $70

 $25 $0
Telehealth through Doctor On Demand®

$0 for first five visits

$10 after fifth visit

 $0 $0
Telehealth through PCP

Premium Designated PCP: $10

Non-Premium Designated PCP: $35

 $0 $0

Services

2025 Compass Rose Health Plan services costs comparison.
Service Standard Option High Option Medicare Advantage
Lab Work through LabCorp & Quest Diagnostics

30% of the Plan Allowance*

 $0 $0
Simple Diagnostic Testing (X-rays, Ultrasounds)

30% of the Plan Allowance*

 You pay nothing in free-standing imaging center and 10% of the plan allowance outside free standing imaging center* $0
Advanced Imaging†(MRI, MRA, SPECT, CTA, PET & CT Scans)

30% of the Plan Allowance*

 10% of the Plan Allowance** $0
Home Health Services†

30% of the Plan Allowance*
(25 visits max; prior authorization required after 12th visit)

 10% of the Plan Allowance
(90 visits max; prior authorization required after 12th visit)		 $0
Physical, Occupational & Speech Therapies†

30% of the Plan Allowance*
(25 combined visits max; prior authorization required after 12th visit)

 10% of the Plan Allowance*
(90 combined visits max; prior authorization required after 12th visit)		 $0
Unlimited visits
Digital Exercise Therapy‡ N/A $0 N/A
Pelvic Health Program‡ N/A $0 N/A
Routine Maternity Care

30% of the Plan Allowance*

 $0 $0
Weight Loss Program through Real Appeal®‡ N/A $0 $0
Tobacco Cessation $0 $0 $0

Emergency Care

2025 Compass Rose Health Plan emergency care copay comparison.
Type of Care Standard Option High Option Medicare Advantage
Urgent Care

$50, waived if admitted

 $35, waived if admitted $0
Emergency Room $500, waived if admitted 10% of the Plan Allowance, waived if admitted $0

Hospital Care

2025 Compass Rose Health Plan hospital care costs comparison.
Type of Care Standard Option High Option Medicare Advantage
Inpatient Hospital Care† 30% of the Plan Allowance* $200 $0
Surgical Services† 30% of the Plan Allowance* 10% of the Plan Allowance $0

Alternative Care

2025 Compass Rose Health Plan alternative care costs comparison.
Type of Care Standard Option High Option Medicare Advantage
Basic Chiropractic Care 30% of the Plan Allowance*
(12 visits max)		 10% of the Plan Allowance*
(24 visits max)		 $0
(24 visits max)
Acupuncture for Anesthesia
& Pain Relief		 30% of the Plan Allowance*
(12 visits max)		 10% of the Plan Allowance*
(24 visits max)		 $0
(24 visits max)
 Massage Therapy Reimbursed up to $75 per visit (4 visits max) Reimbursed up to $75 per visit (12 visits max) Reimbursed up to $60 per visit (unlimited visits)

Extra Perks

2025 Compass Rose Health Plan extra perks and costs comparison.
Plan Benefit Standard Option High Option Medicare Advantage
Hearing Aid Allowance N/A Up to $1,200 for one hearing aid per ear every five (5) years without Medicare Part B and every three (3) years with Medicare Part B (from date of service) 

$0 co-pay

$2,400 allowance for unlimited aids every 3 years. Allowance is combined for both ears.2 
Dental

Allowance for routine oral examinations: $39 twice per year

Allowance for dental fillings:
One surface: $12
Two surfaces: $19
Three or more surfaces: $24

 Allowance for routine oral examinations: $39 twice per year

Allowance for dental fillings:
One surface: $12
Two surfaces: $19
Three or more surfaces: $24

Class 1 preventive & diagnostic (P&D): 100%
Class 2 minor: 80%
Class 3 major: 50%

Deductible (P&D not included): $50

Annual calendar maximum (P&D not included): $1,000

Out-of-network reimbursement schedule: maximum allowable charge
Vision $100 annual allowance to use on eyeglasses, contacts or vision exams N/A

Routine eye exam refraction: $0 co-pay – one per 12 months

Eyeglasses allowance: $130 every 12 months

Contact lens allowance (in lieu of glasses): $175 every 12 months3

Pharmacy

2025 Compass Rose Health Plan pharmacy copays comparison.
Pharmacy Benefit Standard Option High Option~ Medicare Advantage^
30-Day Network Retail Pharmacy

Tier 1 (generic): $5

Tier 2 (formulary/preferred brand name): 40% up to a maximum of $400

Tier 3 (non-formulary/non-preferred brand name): 100%

Tier 1 (generic): $5

Tier 2 (formulary/preferred brand name): $50

Tier 3 (non-formulary/non-preferred brand name): $75 or 40%, whichever is greater

Tier 1 (generic): $1

Tier 2 (formulary/preferred brand name): $25

Tier 3 (non-formulary/non-preferred brand name): $75

90-day Retail Pharmacy & Preferred Mail Order4

Tier 1 (generic): $10

Tier 2 (formulary/preferred brand name): 40% Up to a Maximum of $800

Tier 3 (non-formulary/non-preferred brand name): 100%

Tier 1 (generic): $10

Tier 2 (formulary/preferred brand name): $100

Tier 3 (non-formulary/non-preferred brand name): $150 or 40%, whichever is greater

Tier 1 (generic): $2

Tier 2 (formulary/preferred brand name): $50

Tier 3 (non-formulary/non-preferred brand name): $150
30-Day Specialty Pharmacy

Preferred Mail Order

Generic: 50% up to a maximum of $500

Formulary/preferred brand name: 50% up to a maximum of $1,500

Non-formulary/non-preferred brand name: 100%

Preferred Mail Order

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

Retail & Preferred Mail Order4

Tier 4 (specialty): 25% up to a maximum of $100

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

When you are enrolled in our High Option plan and have Medicare B as your primary insurer, we waive most calendar year deductibles, copayments and coinsurance for medical services and supplies. Learn more about how the High Option Compass Rose Health Plan coordinates with Medicare.

Use the Standard and High Provider Directory to locate a PCP or specialist with a premium designation. Providers with this designation will have two blue hearts along with the words “Premium Care Physician.”

* Deductible applies
** Deductible applies outside of free-standing imaging center
† Precertification required
‡ Eligibility restrictions apply
~ Current eligible members entitled to Medicare Part A and/or enrolled in Medicare Part B and not currently enrolled in the Compass Rose Medicare Advantage Plan will be automatically enrolled in the Compass Rose Medicare PDP EGWP for 2025.
^ Part D Prescription Drug Coverage

Is Your Physician in Network?

The Compass Rose Health Plan High Option uses the UnitedHealthcare Choice Plus network. Use the online provider directory to see if your current doctor is in our network. If you have Medicare, you may see any provider that accepts Medicare.

Find a Provider

With the Compass Rose Medicare Advantage Plan you can see doctors and other health care providers that are in and out of our network at the same cost share as long as they participate in Medicare and are willing to bill the plan. Visit retiree.uhc.com/CompassRose to locate a provider.

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Join a Webinar

Curious about the Compass Rose Health Plan? We're here to help you make an informed decision about your benefits plan for 2025. Join one of our live virtual events to learn more about our plan options and benefits and ask questions.

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Additional Protection

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  • Legal Protection

    Legal Protection, via LegalShield, provides 24/7 access to top-quality law firms for less than $16 per month.

  • Identity Theft Protection

    With Identity Theft Protection, through LegalShield, you can protect against identity theft and quickly resolve an issue if it occurs for less than $13 per month.

Unsure Which Health Plan Is Right for You?

We can answer your questions about our health plan options.

Ask Compass Rose

The Compass Rose Medicare Advantage Plan is insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Benefits, features and/or devices vary by plan/area. Limitations and exclusions apply.

1 Over-the-counter benefits have expiration timeframes. Call the plan or refer to your evidence of coverage for more information.

2 Benefits, features, and/or devices vary by plan/area. Limitations and exclusions may apply. Other hearing exam providers are available in the UnitedHealthcare network. The plan only covers hearing aids from a UnitedHealthcare Hearing network provider. You must contact UnitedHealthcare Hearing prior to using your hearing aid allowance. Hearing aids ordered through providers other than UnitedHealthcare Hearing are not covered.

3 Benefits, features and/or devices vary by plan/area. Limitations and exclusions apply. Annual routine eye exam and $130 allowance for contacts or designer frames, with standard (single, bi-focal, tri-focal or standard progressive) lenses covered in full annually.

4 Optum Home Delivery®, a service available through Optum Rx®, is provided by your plan. You are not required to use Optum Home Delivery for a 90 day supply of your maintenance medication.