Choose Compass Rose Medicare Advantage this Open Season
Now open to all federal retirees enrolled in Medicare Parts A and B and the FEHB Program. Don't miss your chance to enroll November 11 to December 9, 2024.
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A Collection of Benefits You Won't Find Anywhere Else
With Compass Rose Medicare Advantage, you get all the benefits of Original Medicare and our High Option Federal Employees Health Benefits (FEHB) plan, plus:
$125 Part B premium subsidy
Reduced prescription drug co-pays
Renew Active® Fitness Program1
UnitedHealthcare® Housecalls2
Hearing, dental and vision coverage
$40 over-the-counter quarterly benefit3
Personal Emergency Response System4
Choose Compass Rose Medicare Advantage for the coverage you deserve.
An exceptional career deserves an exceptional Medicare Advantage plan. When you choose Compass Rose Medicare Advantage, a UnitedHealthcare® Group Medicare Advantage (PPO) plan, you're not just getting any other FEHB Plan. You're getting a plan designed exclusively for federal retirees like you, with a collection of benefits you won’t find anywhere else.
Compass Rose Medicare Advantage Rates
All covered medical services have a $0 co-pay, including but not limited to:
- Preventive care
- Emergency room visits
- Durable medical equipment
- Routine podiatry
- Physical therapy
You must be enrolled in the High Option Compass Rose Health Plan to enroll in the Compass Rose Medicare Advantage option. There is no additional cost for enrolling in Compass Rose Medicare Advantage.* You pay our Compass Rose Health Plan High Option premium and Medicare Part B premium. Plus, you receive a monthly $125 Part B premium reduction.
Self Only
421
$269.71
Self +1
423
$605.91
Self & Family
422
$649.89
Explore Our Benefits
View costs for common covered services, including preventive and emergency care, prescription drugs, massage therapy and more.
View BenefitsFrequently Asked Questions
To enroll in Compass Rose Medicare Advantage you must be a retiree enrolled in the High Option Compass Rose Health Plan and enrolled in Medicare Part A and Part B.
No, this is a custom Group Medicare Advantage (PPO) plan designed exclusively for High Option Compass Rose Health Plan retirees. This plan is offered as part of the Federal Employees Health Benefits (FEHB) Program and should not be confused with individual UnitedHealthcare Medicare Advantage plans that might be available in the area.
No, Compass Rose Medicare Advantage was designed in collaboration with OPM to allow you to retain your status in the FEHB program.
In fact, you can disenroll from Compass Rose Medicare Advantage's enhanced level of benefits at any time and return to the High Option Compass Rose Health Plan.
You must pay our High Option Compass Rose Health Plan premium and your Medicare Part B premium. Plus, you and your eligible enrolled spouse will each receive a $125 per month Medicare Part B premium reduction.
Note: You may incur an additional Part D IRMAA (an Original Medicare rule) when enrolling in this plan.
Dependents who are not Medicare eligible or not Medicare primary will remain on the High Option Compass Rose Health Plan.
IRMAA stands for income-related monthly adjustment amount. It is an amount Social Security determines you may need to pay in addition to your monthly Medicare Part B premium if your modified adjusted gross income on your IRS tax return from 2 years ago is:
- Above $103,000* for an individual
- Above $206,000* for a couple
Because Compass Rose Medicare Advantage’s included prescription drug coverage is considered a Part D plan, you may incur an additional Part D IRMAA (an Original Medicare rule) when enrolling in this plan. The extra amount is paid directly to Social Security, not to your plan.
Two years following a decrease in your modified adjusted gross income, you can request the Centers for Medicare & Medicaid Services (CMS) perform a lookback to have your IRMAA decreased or removed if applicable.
If you are subject to IRMAA, Social Security will send you a letter. The letter will explain how they determined the amount you must pay and the actual IRMAA. The Compass Rose Health Plan does not determine who will be subject to IRMAA. Therefore, if you disagree with the amount you must pay, contact the Social Security Administration. You can:
- Go online to www.ssa.gov
- Call Social Security toll-free at 1-800-772-1213, TTY 1-800-325-0778, 8 a.m. to 7 p.m., Monday through Friday
- Visit your local Social Security office
* These amounts are accurate for 2024. Medicare will determine the 2025 IRMAA charge in the 4th quarter of 2024.
Join a Compass Rose Medicare Advantage Webinar
Give us a chance to show you what Compass Rose Medicare Advantage has to offer. Attend one of our online meetings to explore a collection of benefits, programs and services you won’t find anywhere else.
A Member-Centric Approach
As a Compass Rose Medicare Advantage member, you’ll get individualized attention so you can spend less time worrying about insurance and more time doing what you love.
Don’t miss your opportunity to enroll
There are two steps to make the switch.
Enroll in the High Option Compass Rose Health Plan.
You must enroll in the High Option Compass Rose Health Plan first to be eligible to elect Compass Rose Medicare Advantage.
To make the switch during Open Season — November 11 to December 9, 2024 — go online to retireefehb.opm.gov or call the OPM Retirement Information Center at (888) 767-6738.
Enroll in the Compass Rose Medicare Advantage Plan.
Once your initial enrollment in our High Option plan has been processed and confirmed by OPM, you can enroll in our Medicare Advantage option any time of the year.
To elect Compass Rose Medicare Advantage, call our dedicated line with UnitedHealthcare at (844) 279-9286, TTY 711, 8 a.m. to 8 p.m. local time, Monday - Friday.
Get more information
Sign up to learn more about Compass Rose Medicare Advantage during the 2024 open enrollment period.
Have Questions?
Call us at (844) 279-9286, TTY 711
Monday-Friday, 8 a.m. to 8 p.m. local time
Plans are 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 Participation in the Renew Active® program is voluntary. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine. Renew Active includes standard fitness membership. Equipment, classes, personalized fitness plans and events may vary by location. Certain services, classes and events are provided by affiliates of UnitedHealthcare Insurance Company or other third parties not affiliated with UnitedHealthcare. The Renew Active program varies by plan/area. Gym network may vary in local market and plan.
2 HouseCalls may not be available in all areas.
3 Over-the-counter benefits have expiration timeframes. Call the plan or refer to your Evidences of Coverage (EOC) for more information.
4 You must have a working landline and/or cellular phone coverage to use Personal Emergency Response System.
* You may incur a Medicare IRMAA. Please refer to "What is Medicare IRMAA and does it apply to me?" above for details.