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Coverage and benefits
Get a quick overview of the plan benefits and costs and find more detailed information about additional benefits and programs.
What do our members have to say about the plan?
“Compass Rose and UnitedHealthcare work well together. Because Compass Rose backed it, I knew the plan was a good option. The extra benefits and subsidy were very appealing.”
Compass Rose Medicare Advantage member
Compass Rose Medicare Advantage Plan (PPO)
2025 materials
- Plan guide (pdf)
- Side by Side Plan comparison – Compass Rose High Option and Medicare Advantage plan (pdf)
-
Compass Rose Cost Considerations Flyer - coming soon
- Compass Rose Part B Premium Subsidy (pdf)
- Foreign travel brochure (pdf)
Benefits and costs
| Benefits and costs |
Compass Rose Medicare Advantage Plan |
|---|---|
|
Compass Rose Medicare Advantage Plan |
|
| Part B premium reduction |
$125 per month |
| Part B premium reduction | |
|
$125 per month |
|
| Annual medical deductible |
None |
| Annual medical deductible | |
|
None |
|
| Annual out-of-pocket maximum |
None |
| Annual out-of-pocket maximum | |
|
None |
|
| Office and clinic visits |
$0 copay for primary care, specialist or Virtual Visit/Telemedicine |
| Office and clinic visits | |
|
$0 copay for primary care, specialist or Virtual Visit/Telemedicine |
|
| Hospital services (inpatient) |
$0 copay |
| Hospital services (inpatient) | |
|
$0 copay |
|
| Hospital services (outpatient) |
$0 copay |
| Hospital services (outpatient) | |
|
$0 copay |
|
| Ambulance services |
$0 copay |
| Ambulance services | |
|
$0 copay |
|
| Emergency room |
$0 copay |
| Emergency room | |
|
$0 copay |
|
| Urgent care |
$0 copay |
| Urgent care | |
|
$0 copay |
|
| Durable medical equipment |
$0 copay |
| Durable medical equipment | |
|
$0 copay |
|
| Prosthetics |
$0 copay |
| Prosthetics | |
|
$0 copay |
|
| Diabetic supplies (test strips, lancets, glucose monitors) |
$0 copay |
| Diabetic supplies (test strips, lancets, glucose monitors) | |
|
$0 copay |
|
| Preventive services |
$0 copay |
| Preventive services | |
|
$0 copay |
|
| Routine podiatry |
$0 copay - 6 visits per year |
| Routine podiatry | |
|
$0 copay - 6 visits per year |
|
| Massage therapy |
$0 copay $60 allowance per visit |
| Massage therapy | |
|
$0 copay $60 allowance per visit |
|
| Hearing aid allowance |
$0 copay - $2,400 allowance for unlimited aids every 3 years. Allowance is combined for both ears. You must contact UnitedHealthcare hearing prior to using your hearing aid allowance. Hearing aids ordered through providers other than UnitedHealthcare Hearing are not covered. |
| Hearing aid allowance | |
|
$0 copay - $2,400 allowance for unlimited aids every 3 years. Allowance is combined for both ears. You must contact UnitedHealthcare hearing prior to using your hearing aid allowance. Hearing aids ordered through providers other than UnitedHealthcare Hearing are not covered. |
|
| Dental |
Class 1 Preventive & Diagnostic (P&D): $0 copay Class 2 Minor: 20% copay Class 3 Major: 50% copay Deductible (P&D not included): $50 Annual Plan Year Maximum (P&D not included): $1,000 Out-of-network reimbursement schedule: Maximum Allowable Charge |
| Dental | |
|
Class 1 Preventive & Diagnostic (P&D): $0 copay Class 2 Minor: 20% copay Class 3 Major: 50% copay Deductible (P&D not included): $50 Annual Plan Year Maximum (P&D not included): $1,000 Out-of-network reimbursement schedule: Maximum Allowable Charge |
|
| Vision |
Routine Eye Exam Refraction: $0 copay – 1 per 12 months Eyeglasses Allowance: $130 every 12 months Contact Lens Allowance (in lieu of glasses): $175 every 12 months |
| Vision | |
|
Routine Eye Exam Refraction: $0 copay – 1 per 12 months Eyeglasses Allowance: $130 every 12 months Contact Lens Allowance (in lieu of glasses): $175 every 12 months |
|
| Prescription drug coverage |
Part D Retail Copay (up to a 30-day supply) Note: 90-day Retail supply for Tiers 1-3 is available for the same copay amount as Mail Order; Tier 4 is limited to a 30-day supply
Tier 1: Generic $1 copay Tier 2: Preferred Brand $25 copay Tier 3: Non-Preferred Brand $75 copay Tier 4: Specialty Tier – Limited to a 30-day supply 25% ($100 maximum)
Part D Preferred Mail Order Copay * (up to a 90-day supply for Tiers 1-3; Tier 4 is limited to a 30-day supply)
Tier 1: Generic $2 copay Tier 2: Preferred Brand $50 copay Tier 3: Non-Preferred Brand $150 copay Tier 4: Specialty Tier – Limited to a 30-day supply 25% ($100 maximum) *UnitedHealthcare’s pharmacy benefit manager is OptumRX. Mail order prescriptions will be through OptumRX. |
| Prescription drug coverage | |
|
Part D Retail Copay (up to a 30-day supply) Note: 90-day Retail supply for Tiers 1-3 is available for the same copay amount as Mail Order; Tier 4 is limited to a 30-day supply
Tier 1: Generic $1 copay Tier 2: Preferred Brand $25 copay Tier 3: Non-Preferred Brand $75 copay Tier 4: Specialty Tier – Limited to a 30-day supply 25% ($100 maximum)
Part D Preferred Mail Order Copay * (up to a 90-day supply for Tiers 1-3; Tier 4 is limited to a 30-day supply)
Tier 1: Generic $2 copay Tier 2: Preferred Brand $50 copay Tier 3: Non-Preferred Brand $150 copay Tier 4: Specialty Tier – Limited to a 30-day supply 25% ($100 maximum) *UnitedHealthcare’s pharmacy benefit manager is OptumRX. Mail order prescriptions will be through OptumRX. |
|
| Annual prescription (Part D) out-of-pocket maximum |
$2,000 Once your True Out of Pocket (TROOP) reaches $2,000 you enter the Catastrophic Coverage level and will have no copay for all covered medications. |
| Annual prescription (Part D) out-of-pocket maximum | |
|
$2,000 Once your True Out of Pocket (TROOP) reaches $2,000 you enter the Catastrophic Coverage level and will have no copay for all covered medications. |
Important 2025 changes explained
For 2025, all stand-alone Medicare prescription drug plans and Medicare Advantage plans with prescription drug coverage will be impacted by changes made by the federal government. This video provides an overview of those changes.
Important Information about your Part D Vaccine and Insulin Coverage
What You Pay for Vaccines – Our plan covers most adult Part D vaccines at no cost to you.
What You Pay for Insulin – You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan. Refer to your plan materials.
Preventive services
The following preventive services are covered under your plan for a $0 copay when you visit your primary care provider:
- Annual Wellness Exam
- Annual Routine Physical
- Screenings for certain Cancers (Prostate, colorectal, breast cancer)
- Screening for diabetes
- Smoking and Tobacco Use Cessation
For more information about these preventive services, please call the Customer Service number on your UCard.