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Frequently Asked Questions
Individuals who are retired, with Medicare A and B, and enrolled in the High Option Compass Rose Health Plan. Participating plan codes include: 421, 422, 423.
There is no additional premium to enroll in the Medicare Advantage plan. You must continue to pay your High Option Compass Rose Health Plan premium and your Medicare premiums.
Yes. You must be enrolled in Medicare Part A and Part B to be eligible for our Medicare Advantage plan and you must continue to pay your Medicare premiums to the government. This is a requirement for Medicare Advantage plans. If you stop paying your Medicare premiums, you may be disenrolled from your plan.
Yes, you must remain enrolled in the Compass Rose plan code with OPM to be eligible for the Medicare Advantage plan. Do not suspend or terminate your coverage with OPM or you will be terminated from the Medicare Advantage plan.
This Medicare Advantage plan allows you to remain a Compass Rose member in the FEHB program. This is why you must first enroll in the Compass Rose Plan code with OPM and remain enrolled in that plan code – it keeps you within the FEHB program. Do not suspend or terminate your coverage with OPM or you will also be terminated from the Medicare Advantage plan.
No, while you will remain a Compass Rose member in the FEHB program, once enrolling in the Medicare Advantage plan it will take over as the primary and only payor. You will no longer need to coordinate between two plans.
No, you only need to contact OPM to enroll in the Compass Rose plan code.
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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 UCard
IRMAA is an amount Social Security determines you may need to pay in addition to your monthly Part B and D premium if your modified adjusted gross income on your IRS tax return from 2 years ago is above a certain limit. The Compass Rose Medicare Advantage plan for retirees includes prescription drug coverage and is considered a Part D plan, therefore if you currently have a Part B IRMAA then you may incur an additional Part D IRMAA when enrolling in this plan.
Your monthly Medicare part B premium subsidy will be automatically applied to your Medicare part B premium in the form of a reduced part B premium charge.
The method in which you pay your part B premium will be the method in which you will receive the subsidy. Your reduced part B premium will be applied on your Social Security benefit, direct bill from Medicare, or Annuity benefit depending on how you pay your premium.
You will not see a line-item credit on your statement, you will see a reduced premium amount. For example, in 2024 the part B premium is $174.70 and the subsidy amount is $125.00, therefore the charge you will see on your statement will be $49.70.
No, this is a custom Group Medicare Advantage plan designed specifically for retirees in the FEHB program. The Medicare Advantage plans advertised on TV are Individual plans and are unrelated to the FEHB program.
Yes. Under Compass Rose Medicare Advantage, your prescription drug benefit will continue to be provided by Optum Rx®, a UnitedHealth Group company. The Quick Start Guide that you receive following your enrollment in the plan will include Optum Rx contact information.
If you had coverage through the Compass Rose Health Plan or another FEHB plan since you became Medicare eligible, you had what is known as “creditable coverage.” Creditable coverage means that your prescription drug coverage was at least as good as, or better than, what Medicare requires. If you had creditable prescription drug coverage through another source, such as a spouse’s employer plan, you should have gotten a certificate of creditable coverage. However, when you became eligible for Medicare Part D, if you did not have any prescription drug coverage for more than 63 days, you may be required to pay a late enrollment penalty (LEP) for the length of time you were eligible but did not have Part D coverage. Medicare makes that determination, and you may submit an appeal to have this LEP removed if you had creditable coverage. You will receive a letter from UnitedHealthcare if Medicare has reported a gap of more than 63 days with instructions on how to appeal this and provide proof of creditable coverage.