For over 75 years, the Compass Rose Health Plan has provided eligible federal employees and their families with high-quality insurance coverage. The Standard Compass Rose Health Plan is part of the Federal Employees Health Benefits (FEHB) program and offers comprehensive benefits and services.
Highlights of the Standard Compass Rose Health Plan
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Lower premiums
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No referrals
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Lower co-pays for preferred providers
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5 free virtual visits
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$100 annual vision allowance
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Coverage for massage therapy
2025 Standard Compass Rose Health Plan Rates
Enrollment Type | Enrollment Code | Biweekly Rate | Monthly Rate |
---|---|---|---|
Self Only |
424 | $58.15 | $126.00 |
Self +1 | 426 | $127.94 | $277.20 |
Self & Family | 425 | $139.57 | $302.40 |
Who Is Eligible?
The Standard Compass Rose Health Plan is part of the FEHB program and is open to federal employees and retirees.
Enroll in the Standard Compass Rose Health Plan
Plan Details
See what coverage you’ll get with the Standard Compass Rose Health Plan in 2025.
The Compass Rose Health Plan is powered by the UnitedHealthcare Choice Plus network. To help keep out-of-pocket costs low, our contract with UnitedHealthcare limits what doctors, hospitals and other facilities in the network are allowed to charge our members.
Our provider directory allows you to quickly search for providers in the UnitedHealthcare Choice Plus network.
The Standard Compass Rose Health Plan does not provide coverage for out-of-network care.
When work or travel takes you overseas, our Standard plan has you covered. Standard Compass Rose Health Plan 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 Standard Compass Rose Health Plan does not coordinate with Medicare. Unlike our High Option and Compass Rose Medicare Advantage plans, the Standard plan does not waive deductibles, coinsurance or copayments for members enrolled in Medicare.
2025 Plan Benefits
This is a summary of the features of the Standard plan. All benefits are subject to the definitions, limitations and exclusions outlined in the 2025 FEHB Plan Brochure.
- Preventive Care
- Office Visits
- Out-of-Pocket Costs
- Services
- Emergency Care
- Hospital Care
- Alternative Care
- Dental & Vision
Plan Benefit | In-Network You Pay |
---|---|
Well Child Care | $0 |
Adult Annual Routine Exam | $0 |
Immunizations | $0 |
Preventive Screenings | $0 |
Contraceptive Care | $0 |
Visit Type | In-Network You Pay |
---|---|
Doctor Office Visits: Primary Care Physician (PCP) | Premium Designated PCP: $10 Non-Premium Designated PCP: $35 |
Telehealth through Doctor On Demand | $0 for first five visits $10 after fifth visit |
Telehealth through PCP | Premium Designated PCP: $10 Non-Premium Designated PCP: $35 |
Doctor Office Visits: Specialist | Premium Designated Specialist: $30 Non-Premium Designated Specialist: $70 |
Out-of-Pocket Costs | In-Network You Pay |
---|---|
Annual Deductible | $500 Self |
Out-of-Pocket Maximum | $9,000 Self $18,000 Self Plus One $18,000 Self and Family |
Service | In-Network You Pay |
---|---|
Lab Work | 30% of the Plan Allowance* |
Simple Diagnostic Testing (X-ray, ultrasound) | 30% of the Plan Allowance* |
Advanced Imaging1 (MRI, MRA, SPECT, CTA, PET & CT scans) | 30% of the Plan Allowance* |
Home Health Services1 | 30% of the Plan Allowance* (25 visits max) |
Physical, Occupational & Speech Therapies1 | 30% of the Plan Allowance* (25 combined visits max; Prior Authorization required after 12th visit) |
Routine Maternity Care | 30% of the Plan Allowance* |
Tobacco Cessation | $0 |
Type of Care | In-Network You Pay |
---|---|
Urgent Care | $50, waived if admitted |
Emergency Room | $500, waived if admitted |
Type of Care | In-Network You Pay |
---|---|
Inpatient Hospital Room and Board1 | 30% of the Plan Allowance* |
Surgical Services1 | 30% of the Plan Allowance* |
Type of Care | In-Network You Pay |
---|---|
Basic Chiropractic Care | 30% of the Plan Allowance* (12 visits annually) |
Acupuncture for Anesthesia & Pain Relief | 30% of the Plan Allowance* (12 visits annually) |
Massage Therapy | Reimbursed up to $75 per visit (up to 4 visits annually) |
Plan Benefit | In-Network You Pay |
---|---|
Dental | Allowance for Routine Oral Examinations: $39 twice per year Allowance for Dental Fillings: |
Vision | $100 annual allowance to use on eyeglasses, contacts or vision exams |
* Deductible applies.
1 Precertification required.
2025 Prescription Drug Benefits
Our prescription drug benefits are 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.
30-Day Network Retail Pharmacy | You Pay |
---|---|
Generic | $5 |
Formulary/Preferred Brand Name | 40% up to a maximum of $400 |
Non-Formulary/Non-Preferred Brand Name | 100% |
90-Day Retail Pharmacy (CVS & Walgreens) & Home Delivery | You Pay |
---|---|
Generic | $10 |
Formulary/Preferred Brand Name | 40% up to a maximum of $800 |
Non-Formulary/Non-Preferred Brand Name | 100% |
30-Day Specialty Home Delivery | You Pay |
---|---|
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% |
- A local network retail pharmacy, like CVS or Walgreens
- 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.