Compass Rose Health Plan, High Option: 2027 FEHB premiums and benefits
| Enrollment | Employee, biweekly | Employee, monthly | Annuitant, monthly | Change in your share vs 2026 | Employee, per year (26 periods) |
|---|---|---|---|---|---|
| Self Only code 421 | $149.97 gov $352.04 | $324.94 | $324.94 | +$9.91 biweekly | $3,899 |
| Self Plus One code 423 | $336.89 gov $767.53 | $729.93 | $729.93 | +$25.45 biweekly | $8,759 |
| Self and Family code 422 | $361.03 gov $843.82 | $782.23 | $782.23 | +$23.46 biweekly | $9,387 |
Traditional, PPO network. Offered nationwide: anyone eligible for FEHB can enroll, in any state. The government share is the lesser of 72% of the program-wide average premium or 75% of this plan's premium (5 U.S.C. 8906).
Educational information only; StandWatch is not acting for OPM, and the brochure and your agency's benefits office are the final authority. Same code and assumptions as the comparison page: worst year is exact (premiums plus the in-network out-of-pocket maximum, minus an HSA deposit); the other three are estimates under stated usage profiles, each labeled copays only, has coinsurance, or not priced.
Deductibles and limits
| Self Only | Self Plus One | Self and Family | |
|---|---|---|---|
| Deductible | $350 out of network $400 | $700 out of network $800 | $700 out of network $800 |
| Out-of-pocket maximum | $6,000 out of network $8,000 | $12,000 out of network $16,000 | $12,000 out of network $16,000 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing | 30% Coinsurance |
| Primary care visit | $15 Copayment No Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Specialist visit | $30 Copayment No Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Urgent care | $35 Copayment No Deductible | 30% Coinsurance No Deductible; + Difference between our allowance and the billed amount |
| Emergency room | 10% Coinsurance $350 Calendar Year Deductible | 10% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Labs and X-rays | 10% Coinsurance $350 Calendar Year Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| CT, MRI, PET | 10% Coinsurance $350 Calendar Year Deductible + $250 per occurrence copay if not freestanding for CT, CTA, MRI, MRA | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount + $250 per occurrence copay if not freestanding for CT, CTA, MRI, MRA |
| Hospital stay, per admission | $200 Copayment $200 per day up to $1,000; No Deductible | $400 Copayment No Deductible; Plus 30% of Plan allowance; + Difference between our allowance and the billed amount |
| Hospital room | Member Pays Nothing | 30% Coinsurance No Deductible; Plus 30% of Plan allowance; + Difference between our allowance and the billed amount |
| Surgeon, inpatient | 10% Coinsurance No Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Outpatient surgery | 10% Coinsurance $350 Calendar Year Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Mental health, office | $15 Copayment No Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Mental health, inpatient | $200 Copayment $200 per day up to $1,000; No Deductible | $400 Copayment No Deductible; Plus 30% of Plan allowance; + Difference between our allowance and the billed amount |
| Physical therapy | $15 Copayment 90 combined visits OT/PT/ST | 30% Coinsurance $400 Calendar Year Deductible; 90 combined visits OT/PT/ST; + Difference between our allowance and the billed amount |
| Chiropractic | $15 Copayment 24 visit limit | 30% Coinsurance $400 Calendar Year Deductible; 24 visit limit ; + Difference between our allowance and the billed amount |
| Acupuncture | $15 Copayment 24 visit maximum | 30% Coinsurance $400 Calendar Year Deductible; 24 visit maximum; + Difference between our allowance and the billed amount |
| Maternity care | Member Pays Nothing No Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Maternity hospital stay | Member Pays Nothing No Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Infertility diagnosis and treatment | 10% Coinsurance $350 Calendar Year Deductible; $5,000 Maximum Per Calendar Year | 10% Coinsurance $400 Calendar Year Deductible; $5,000 Maximum Per Calendar Year; + Difference between our allowance and the billed amount |
| IVF and assisted reproduction | Member Pays All Charges | Member Pays All Charges |
| Hearing aids | Covered $350 Calendar Year Deductible; $1,200 maximum per hearing aid per ear every five calendar years | Covered $400 Calendar Year Deductible; $1,200 maximum per hearing aid per ear every five calendar years |
| Durable medical equipment | 10% Coinsurance $350 Calendar Year Deductible | 30% Coinsurance $400 Calendar Year Deductible; + Difference between our allowance and the billed amount |
| Home health | 10% Coinsurance No Deductible; 90 visit maximum per calendar year | 30% Coinsurance No Deductible; 90 visit maximum per calendar year; + Difference between our allowance and the billed amount |
| Adult dental exams | Covered $39 twice per year | Covered $39 twice per year |
| Children's dental exams | Covered $39 twice per year | Covered $39 twice per year |
| Routine eye exam | Not Covered | Not Covered |
| Eyeglasses | Not Covered | Not Covered |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | $5 Copayment | Not applicable |
| Tier 2 | $75 Copayment | Not applicable |
| Tier 3 | 40% Coinsurance | Not applicable |
| Tier 4 | Not applicable | Not applicable |
| Mail order | Yes | Yes |
| Prescription out-of-pocket maximum, Self | None only combined OOPM applies | Not listed |
| Prescription out-of-pocket maximum, family | None only combined OOPM applies | Not listed |
| WITH MEDICARE | ||
| Part B premium reimbursement (Medicare Advantage option) | $1,500 $125 per month | Not listed |
| Part B premium reimbursement (prescription drug plan) | None | Not listed |
OPM's summary of the plan's cost sharing. The small print under a figure is OPM's own wording and usually carries the real terms: per-day charges, caps, and whether the deductible applies. The brochure is the official statement of benefits.
Official pages
Compass Rose Health Plan plan site · Summary of Benefits and Coverage · OPM plan comparison and brochure RI 71-028 · 888-438-9135
Before you enroll
Not the official statement of benefits. This plan's brochure is the only contractual statement of what it covers, excludes, and limits. Where this page and the brochure disagree, the brochure governs. Read it before you enroll.
Estimates, under published assumptions. Premiums, deductibles, and out-of-pocket maximums are OPM's figures. The year-cost figures are estimates under the usage profiles and assumed charges published on the comparison page, labeled exact, copays only, has coinsurance, or not priced. They are not predictions of what you will spend.
What the model leaves out. Out-of-network care and balance billing, whether your own doctors take this plan, whether your medications are on its formulary and at which tier, referral and prior-authorization rules, mail-order and specialty pharmacy pricing, FEDVIP dental and vision, and Medicare coordination at 65 beyond the rows shown. Postal Service employees and annuitants are in a separate program and are not covered.
No affiliation. StandWatch is not affiliated with, endorsed by, or acting for the Office of Personnel Management or any federal agency. The plan data is OPM's; the arrangement is ours. StandWatch is not a health plan, a broker, or an insurer, and nothing here is a recommendation to select, keep, or drop any plan, or medical, insurance, financial, tax, or legal advice. The full educational-purpose statement.
Source: OPM FEHB Public Use Files, plan year 2027 (rates, plan key, plan benefits, service area), and the OPM premium charts for the change from 2026.
