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Frequently Asked Questions
Medicare Part A and Part B are usually referred to as "Original Medicare". Part A offers coverage for your hospital stays, while Part B offers coverage for doctor visits and outpatient care. You receive your benefits directly from the government. Medicare then pays fees for your care directly to the doctors and hospitals you visit.
Medicare Part C plans are usually referred to as Medicare Advantage plans. All Medicare Advantage plans are provided by private insurance companies, like UnitedHealthcare Insurance Company, and they all combine coverage for hospital stays (Medicare Part A) with coverage for doctor visits and other outpatient care (Medicare Part B) into one plan. Some plans include prescription drug coverage (Medicare Part D), plus extra benefits like vision, hearing and dental coverage. Under Medicare Part C, the Medicare Advantage plan pays the fees for your care directly to the doctors and hospitals that you visit.
Medicare Supplement plans act as a supplement to "Original Medicare" (Parts A and B). Medicare Supplement plans help to pay for some of the costs, like coinsurance and deductibles that Original Medicare does not cover. If you enroll in a Medicare Supplement plan and need prescription drug coverage, you will need to enroll in a Medicare Part D prescription drug plan also.
Senior Supplement plans also act as a supplement to Original Medicare, but are only offered through an employer group or plan sponsor. They may have similar benefits as the Federal Medicare Supplement plans, but may also cover state-mandated benefits. If you enroll in a Senior Supplement plan and need prescription drug coverage, you will need to enroll in a Part D prescription drug plan also. Employer groups and plan sponsors commonly offer both a Senior Supplement plan and a separate Medicare Part D prescription drug plan.
Yes. You must be enrolled in Medicare Part A and Part B to be eligible for the Compass Rose Medicare Advantage Plan and you must continue to pay your Part B premium to the government. This is a requirement for Medicare Advantage, Medicare Part D prescription drug, Medicare supplement, and Senior Supplement plans. If you stop paying your Part B premium, you may be disenrolled from your plan.
By enrolling into the Compass Rose Medicare Advantage Plan, Compass Rose will subsidize $100 of yours and your enrolled spouse’s monthly Part B premium.
To find doctors or hospitals in our network, see the online Provider Directory. This directory is updated regularly to provide you with the current listing of network providers. If you would like help finding a network doctor or to request a written copy of the Provider Directory, please call Customer Service.
You can see any provider outside of the network, as long as they accept Medicare and the plan. Accepting the plan means the doctor is willing to see the retiree and bill UnitedHealthcare.
If you are currently enrolled in the Compass Rose Health Plan and enrolled in both Medicare Parts A and B, you can choose to enroll in the Compass Rose Medicare Advantage Plan, a UnitedHealthcare® Group Medicare Advantage (PPO) plan at any time throughout the year.
Enrollment is voluntary, retirees may opt in or out of the enhanced level of benefits at any time throughout the year.
You must remain in the Compass Rose Health Plan to enroll in theCompass Rose Medicare Advantage Plan. Suspension of your Compass Rose Health Plan coverage will cause lose of coverage of your Compass Rose Medicare Advantage plan benefits.
The Compass Rose Medicare Advantage Plan does not have an annual deductible and you have low or no out-of-pocket costs for covered medical services. Your full plan information is accessible within the member portion of this site. Once logged in, click the "Coverage & Benefits" link in the menu at the top of your screen.
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While VA Providers cannot submit claims to a Medicare Advantage plan, Veterans can request reimbursement when all of the following are true:
- You are a Medicare Advantage member or were at the time of the service
- You received Medicare-covered services from a VA Provider or facility
- You paid a higher copayment or coinsurance for the Medicare-covered services (including prescription drugs) through the VA than you would have using your Medicare Advantage plan
You can submit a request for reimbursement, by completing the VA 10-583 Form and mailing it to the address on your ID card.
Click on the Resources tab in the menu at the top of your screen, then on the Appeals & Grievances link. This page provides detailed information about the appeals process.
This information is accessible within the member portion of the site. Once logged in, click the "Claims" link in the menu at the top of your screen. The Claims page will enable you to search for medical and/or drug claims by date range and will provide an overview of each claim searched.
Each year that you are a member of a UnitedHealthcare Medicare Advantage plan, you will receive an Annual Notice of Changes (ANOC) about six weeks before your plan's effective date. The ANOC explains any changes in coverage, costs, and benefits that will be effective for the upcoming year. You may also call the customer service number listed on the back for your member ID card with any questions.
This information is accessible within the member portion of the site. Once logged in, click on the "View and Print Member ID Card" link on the home page.
If you are unable to find the links noted above, please call customer service using the number listed on your plan materials or the number noted for Plan Members on the Contact Us page.
No. While you will remain Compass Rose UMR plan member, upon enrollment into the Compass Rose Medicare Advantage plan, this plan will take over as the primary and only payor. You will no longer need to coordinate between two plans.