h
Compass Outreach Compass Outreach
FALL 2011
Service.
inside this issue: Thank You!........................ 2 Community Outreach.... 3 Health Plan News......... 4-8 Health Tips........................ 9 Family Life.................. 10-11 What’s Up Doc?....... 12-13 Specialty Products... 14-15
2012 Open Season Dates! This year’s 2012 Federal Employees Health Benefits (FEHB) Open Season will be from November 14 through December 12, 2011. During this time, all Federal employees and retirees currently enrolled in any FEHB plan have the opportunity to make changes in their coverage. For both active and retired employees, any changes made during Open Season will become effective January 1, 2012. To compare all 2012 FEHB plans, visit www.opm.gov/insure.
Stability.
Security.
Blast from the Past! At Compass Rose Benefits Group (CRBG), we are proud of our unique history and feel privileged to offer our products and services to civilian employees and retirees of the Intelligence Community, Department of Defense, and Department of State. For over 60 years, we have taken pride in offering exceptional service, consistent rate stability, and unwavering security to our exclusive cadre of members. This Open Season, in our continuing efforts to provide exceptional member service, we would like to take this opportunity to show you just how far we have come. The Beginning of Compass Rose Benefits Group: In 1948, only one year after the Central Intelligence Agency (CIA) was established, the Mutual Benefit Health & Accident Association created an organization known as the Government Employees Health Association (GEHA) that catered exclusively to Agency employees and their unique needs. Through GEHA, Agency employees were able to obtain low-cost group health insurance plans. During the last five years, we expanded our health plan eligibility to include all civilian employees and retirees of the Intelligence Community, Department of Defense, and Department of State. While our health plan has experienced many names over the years, today we are simply known as the Compass Rose Health Plan.
See how we have changed!
1948
2012
1948 Monthly Premium: Self Only: $1.60 Self and Family: $6.00 Number of pages: 7
2012 Monthly Premium: Self Only: $132.72 Self and Family: $322.75 Number of pages: 92
Thank You! On behalf of the Officers and Board of Directors for Compass Rose Benefits Group, I would like to thank Barry Burton for his dedication and contributions while serving as an annuitant Board Representative from 2002-2011. Mr. Burton was an instrumental contributor in helping Compass Rose navigate many changes over the last decade and served most recently as the Chair of the Compass Rose Audit Committee. His passion for helping Compass Rose grow as an organization and commitment to serving the Compass Rose membership will be his legacy. Thank you Barry for all you have done and best of luck in all your future endeavors! Sincerely, Barry Burton
Randy R. Stoughton President, Compass Rose Benefits Group
Compass Rose Board of Directors Elected Candidates Compass Rose Benefits Group (CRBG) is proud to announce our 2011-2012 Board of Directors elected candidates: • C ongratulations to Charles Pasquale for being re-elected as an Active Employee Representative! • C ongratulations to Beverly Borich Christiana for being elected as a Retiree Representative!
We Want to Hear From You! As the Editor of the Compass Connection Newsletter, I would like to personally thank every member who has taken time to provide us with feedback. Because our Newsletter is published for you, your feedback is extremely important to us!
Meaghan Greaney
2
This fall, we have expanded our feedback options with your needs in mind! If you would like to provide feedback regarding the Compass Connection Newsletter, please visit www.compassrosebenefits.com/Feedback. We love to hear from you! Please share your thoughts, ideas, or concerns with us!
Community Compass Outreach Compass Rose Charities Raises Over $65,000 to Support American Heroes! On October 6, 2011, Compass Rose Charities hosted their 2nd Annual Golf Invitational and Auction at the Turf Valley Country Club in Ellicott City, Maryland. Over 90 participants attended the Invitational. We had the distinct privilege to host the Director of National Intelligence, James Clapper and his wife, Sue -- as well as two New York Jets sports legends, John Schmidt and Greg Buttle. Because of the generosity of our vendor sponsorships and auction winners, we were able to raise over $65,000!
Established in 2010, Compass Rose Charities, Inc. (CRC) mission is to provide financial assistance to members of the United States Intelligence Community (IC) who serve to protect our nation’s freedoms. CRC provides support through three programs: 1.) Charity to Charity Support - CRC provides funds to other charitable organizations with a similar purpose. 2.) Food & Fuel Support - CRC provides immediate assistance to IC families. 3.) Scholarships -This fund will provide scholarships to IC members or their family members.
To learn more about Compass Rose Charities, or find out ways that you can donate, please visit www.compassrosecharities.org.
Compass Rose Supports U.S. Soldiers Overseas! At Compass Rose Benefits Group (CRBG), we strongly believe that it is our civic duty as Americans to support our soldiers fighting overseas. This September, we chose to show our support and gratitude to the brave men, women, and canine companions fighting overseas to protect our country’s freedoms by donating over 900 perishable items to support the Give2theTroops Organization. Since 2002, Give2theTroops has supported approximately 1 million deployed U.S. soldiers with loving care packages and letters from all over the nation. Their mission is to support the physical, moral, and spiritual health of America’s Armed Forces deployed to combat and disaster relief zones around the world with letters and packages prepared and shipped by caring volunteers. If you would like to learn more about the Give2theTroops Organization, please visit www.give2thetroops.org.
“Our military and our military families can’t be the only ones bearing the burden of our security. The United
States of America is strongest -- and as Americans, we
are at our best -- when we remember our obligations to
each other; when we remember that the price of freedom cannot simply be paid by a select few, when we embrace our responsibilities to each other, especially those who serve and sacrifice in our name.” -President Barack Obama
For additional ideas on how you and your family can show your support to our soldiers overseas, please visit www.uso.org. SOURCE: Department of Defense
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Health plan News Living Well in 2012! The Compass Rose Health Plan is pleased to announce that our 2012 premiums will closely mirror the national average 3.8 percent increase published by the Office of Personnel Management (OPM). Each year, our mission is to provide our members with exceptional service, consistent rate stability, and unwavering security. As a Federal Employees Health Benefits (FEHB) Plan, we are committed to maintaining competitive rates and comprehensive health care coverage.
Some Plan changes for 2012 include, but are not limited to: • Specialist Copayment: The Plan will charge a separate $20.00 co-pay for specialist visits. *Physician co-pay waived for Medicare B eligibles. • Overseas Claims: If you use a provider outside of the 50 United States, the Plan will pay claims at the in-network PPO level. The out-of-network benefit tier will be eliminated. • Lab Program: LabCorp will replace Quest Diagnostics as the lab of choice for the 100 percent lab benefit. Quest Diagnostic claims will be considered out-of-network. • Shingles Vaccine: The age qualification for the routine visit has changed from age 60 to age 50.
The Compass Rose Health Plan: Behind the Scenes
4
health plan News Hello Medco! As announced in a previous mailing, the Compass Rose Health Plan has decided to partner with Medco Health Solutions, Inc., a leader in pharmaceutical care and services, to manage our Prescription Drug Benefit beginning January 1, 2012. However, after that decision was made, Express Scripts, Inc. (ESI) and Medco announced that their companies intended to merge. This merger must be approved by the Federal Trade Commission. This potential merger will not affect Medco’s role as our health plan’s new Prescription Benefit Manager (PBM) beginning January 1, 2012.
Who is Medco? Medco Health Solutions Inc. was established in 1983 and became an independent company in 2003. Today, Medco supports our nation’s largest mail-order pharmacy operations by working directly with their extensive nationwide network of pharmacists, physicians, and benefit specialists who are trained to help you achieve optimal health and overall savings on your prescription medications. Understanding the Transition!
How Will This Transition Affect Me? As a health plan member, sit back and relax – we’ve got you covered! Because we are determined to make this transition seamless for you, beginning January 1, 2012, most refills remaining with your current Express Scripts Mail-Order Pharmacy will AUTOMATICALLY be transferred to the Medco Pharmacy! Controlled substances and compound medications cannot be transferred. If you are taking one of these medications or if you are currently using a mail-order pharmacy other than Express Scripts or CuraScript, you must obtain a new prescription from your doctor.
After January 1, 2012, you will be able to request a refill of a mail-order prescription in one of three ways: 1.) Online - Use your Compass Rose Health Plan member identification (ID) number and current prescription number to activate your account by visiting www.medco.com/pharmacy. 2.) By Mail - Send your prescription to the Medco Pharmacy: Medco Health Solutions, P.O. Box 30117, Tampa, FL 33630 3.) By Phone - Simply provide a Medco Representative with your health plan member ID number by calling (877) 438-4449.
How Will This Transition Affect the Price of My Prescription Medications? As your health plan, it is our responsibility to ensure that you understand how this transition will affect your out-of-pocket health care expenses. While our PBM is changing your prescription medication co-pays, how you obtain prescription refills, and your Prescription Medication Formulary Guide will not change. Medco will continue to offer you the same Pharmacy Plan Benefits as Express Scripts.
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health plan News
Compass Outreach Medco Prescription Co-pays Medco
Level 1: Generic** Level 2: Brand Name Formulary
Level 3: Brand Name Non-Formulary
Retail 30-Day Supply
Mail Order 90-Day Supply
$5 co-pay*
$10 co-pay*
$30 co-pay*
$60 co-pay*
30% or $45 whichever is greater*
30% or $90 whichever is greater*
Medco Prescription Co-pays for Medicare B Enrollees Medco
Level 1: Generic** Level 2: Brand Name Formulary
Level 3: Brand Name Non-Formulary
Retail 30-Day Supply
Mail Order 90-Day Supply
$3 co-pay*
$6 co-pay*
$18 co-pay*
$36 co-pay*
30% or $35 whichever is greater*
30% or $45 whichever is greater*
Members requiring prescription medications to treat severe and/or chronic medical conditions that are usually administered by injections or infusion may be subject to the Specialty Pharmacy Benefit. *No deductible **If there is no Generic equivalent available, you will still have to pay the Level 2 co-pay If you have additional questions concerning your 2012 Pharmacy Plan Benefit, please contact a Medco Representative at (877) 438-4449 or visit www.medco.com/pharmacy.
This January, be on the lookout for our NEW 2012 Formulary Guide in your mailbox! To access the 2012 Formulary Guide online, please visit www.compassrosebenefits.com/Formulary.
Coming Soon: New Member ID Cards After December 19th, Compass Rose Health Plan members will be receiving new member identification (ID) cards by mail which will display the NEW Medco logo as well as your NEW Medco prescription ID number. We have heard your concerns regarding the size of the font and noticeable absence of selective logos and we have revised our health plan member ID card with your needs and suggestions in mind. REMINDER: Beginning January 1, 2012, please remember to show your provider your new health plan member ID card. Your new ID card will be necessary in order for you to obtain medications at a retail pharmacy. Do not discard your existing health plan member ID card until after January 1, 2012.
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Health Plan news Compass Outreach Compass Rose Joins the Fight! In recent years, health plans are emerging as partners in the fight against our nation’s obesity epidemic. The Compass Rose Health Plan is no exception and has proudly joined this fight! As a health plan member, you and your covered family members have unlimited access to an additional DISCOUNT benefit called GlobalFit. GlobalFit offers a full range of affordable options for you to get fit, feel more energized, and live a healthier lifestyle. GlobalFit offers you and your covered dependents: • Guaranteed lowest rates on gym memberships at over 12,000 locations – NATIONWIDE • Easy-to-follow online videos and community support through GlobalFit Virtual Gym • Low rate discounts on home exercise equipment • Access to a Virtual Nutrition Coach who can help you and your family plan well-balanced meals • NutriSystem Home Delivery Meals: $30 off of their BEST advertised price rofessional one-on-one phone and online counseling to help you quit smoking, lose weight, and live a healthier • P lifestyle To enroll, or learn more about this discount benefit, please contact a GlobalFit Representative at (800) 294-1500 or visit www.compassrosebenefits.com/GlobalFit.
Medicare Corner Medicare Corner
WORK LIFE (pg.13)
At Compass Rose Benefits roup (CRBG), e feel that understanding the benefits o you as ato hyou ealth member s At Compass RoseGBenefits Groupw(CRBG), we feel that understanding theavailable benefits tavailable aspalan health plan imember mportant. W ith O pen S eason r ight a round t he c orner, i t i s i mportant f or y ou t o u nderstand h ow o ur t ransition t o M edco w ill is important. With Open Season right around the corner, it is important for you to understand how our transition to Medco affect your health benefits. will affectcare yourbenefits. health care
As you know, beingin enrolled in Medicare the Compass Rose Health can significantly your As you know, being enrolled Medicare and the Cand ompass Rose Health Plan can sPlan ignificantly decrease ydecrease our out-‐of-‐pocket out-of-pocket though we Eare transitioning from (ESI) to Medco, your benefits will not expenses. Even though expenses. Even we are transitioning from xpress Scripts (ESI) to Express Medco, Scripts your benefits will not change. As a health change. As a ihealth plan member enrolled in Medicare Part B,to Medco willthe continue offer o you the same discount on plan member enrolled n Medicare Part A and B, Medco will continue offer you same dto iscount n your prescription medication co-‐pays as Express Scripts. co-pays as Express Scripts. your prescription medication
edicare
Part A
Part B
Compass Rose Health Plan Medicare Part A and B Enrollees:
As your health plan, we will waive: Hospital co-pays and coinsurance. Calendar year deductible, co-pays and coinsurance for medical services and supplies provided 6 by physicians and other health care professionals, and your deductibles and coinsurance for extended dental treatment and accidental injuries. We also provide lower co-pays for your prescription medications (Please refer to page 7 for Medicare B co-pays). Medicare Part B also covers any required diabetes testing supplies, respiratory supplies and medications, immunosuppressive medications, and oral anti-cancer medications. These supplies can be obtained through: If you have any additional questions regarding the Compass Rose Health Plan and Medicare, please contact § Mail-Order Rose Health Plan and Medco have a Member Services RepresentativeHome at (866)Delivery: 368-7227 orThe visitCompass www.compassrosebenefits.com/Medicare.
arranged for Liberty Mail-Order Home Delivery of Part B covered prescriptions and supplies. This arrangement allows Liberty to submit member claims to Medicare and 7 coordinate benefits with Medco and the Compass Rose Health Plan. To contact a
health plan News STOP THE PRESS: Compass Rose Joins Social Networking Sites! Compass Rose Benefits Group (CRBG) is excited to announce our presence in social networking! To compliment our exceptional member service, we have officially launched a CRBG Facebook and Twitter account! Please rest assured that these social networking sites will NOT replace the way we communicate with you. Rather, they will simply serve as another channel of communication between you and our Representatives. Every Compass Rose member will continue to receive important Plan information by mail.
THANK YOU We would like to thank all members who completed our Social Media Survey published in the summer Compass Connection Newsletter. We always enjoy hearing from you! We would also like to extend a special congratulations to the following three Compass Rose Health Plan members whose names were randomly selected to win the $50 Amazon.com gift card advertised on the Social Media Survey:
Julia T. • Florence C. • Arthur H. Why Follow Us Online? • We want to hear from you! If you have general questions on any CRBG plans, all you have to do is ask! Post your question on Facebook or Twitter and one of our Member Services Representatives will respond promptly! • Not always home to read your mail? Stay up-to-date on all our products and services anytime, anywhere! • View our company photo albums on Facebook to learn more about our dedicated staff and community outreach events! •
Connect With Us! www.Facebook.com/CRBGinsurance www.Twitter.com/CRBGinsurance
Connect with other members like you!
NEW Compass Rose Contact Numbers! We have officially changed our toll-free contact number to (866) 368-7227. If you reside in the Washington Metropolitan Area, you can also contact us directly by calling (571) 449-2366. For your convenience, our new contact number will allow you the opportunity to be automatically transferred to the appropriate Compass Rose Member Services Representative. In turn, any questions, comments, or concerns will be able to be addressed in a more timely and convenient manner.
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HEALTH TIPS Tips On How to Stay Healthy This Flu Season! Did you know that every year there is an estimated 25 to 50 million cases of the flu reported, which leads to more than 200,000 hospitalizations and an average of 23,600 deaths annually? While the flu season in the U.S. is usually from fall through early spring, the peak of flu season occurs anywhere from late November through March. According to the Centers for Disease Control and Prevention (CDC), the best way to prevent the flu is by getting vaccinated each year. This year, the 2011/2012 flu vaccine will protect against the three influenza viruses - the influenza A (H1N1) virus, the influenza A (H3N2) virus, and the influenza B virus – that research indicates will be most common during this upcoming flu season. In addition to getting vaccinated this flu season, the CDC also recommends following these everyday steps to protect you and your family’s health: • Cover your nose and mouth with a tissue when you cough or sneeze. Throw the tissue in the trash after you use it. • Wash your hands often with soap and water, especially after you cough or sneeze. You can also use an alcohol-based hand cleaner. • Avoid touching your eyes, nose, or mouth. Germs spread this way. As your health plan, we encourage you to take an active role in your health care this flu season! As a Compass Rose Health Plan member, the flu vaccine is 100 percent covered under our Plan’s Preventative Care Benefit. So what are you waiting for? Contact your local health care provider to schedule an appointment today! The best way to protect yourself from the flu is now, before the flu season begins.
SOURCES: Centers for Disease Control and Prevention Flu.gov
STOP! Before You Move… As your health plan provider, we need to be notified when you move! If you have recently relocated, you can conveniently update your personal information by: Option 1: Contacting a Member Services Representative at (866) 368-7227. Option 2: Completing the Change of Address Form found on our website at www.compassrosebenefits.com/Address. Upon completion, please fax the Form to (703) 438-0840 or mail to: Compass Rose Benefits Group 1768 Business Center Drive Suite 3500 Reston, VA 20190 REMINDER: If you change your address with your parent Agency or with the Office of Personnel Management (OPM), Compass Rose Benefits Group is NOT notified.
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Family life Fighting Today’s Epidemic In the last two decades, the number of obese adults in the U.S. has doubled. Today, over two-thirds of the adult population is overweight and of those, 30 percent are considered obese. According to the National Institute for Health Care Management, our nation’s obesity epidemic is the result of numerous complex and intertwined factors including: •
Diet
•
Cultural issues
•
Sedentary lifestyles
•
Genetics
•
Community planning
• Resistance to change practice patterns within the health care provider community
•
Stressful work schedules
•
Low literacy
• Availability of relatively few medical interventions • Competition for scarce public dollars
What Is the Difference Between Overweight and Obesity? Overweight: Overweight specifically refers to an excessive amount of body weight that may come from muscles, bone, adipose (fat) tissue, and water. Obesity: Obesity specifically refers to an excessive amount of adipose tissue.
While these factors can vary from person to person, there is no disputing the health related issues associated with obesity. Research published by the U.S. Department of Health and Human Services shows that overweight adults have a 60 percent increased risk of diabetes, an 80 percent increased risk of high blood pressure, and a 50 percent higher likelihood of elevated cholesterol levels. For adults diagnosed as being obese, these numbers increase dramatically. Additional risk factors commonly diagnosed in overweight and obese adults include: •
Coronary Heart Disease
•
Stroke
•
Hypertension
• Nonalcoholic Fatty Liver Disease •
Gallbladder Disease
•
Osteoarthritis
• Sleep Apnea and other breathing problems • Certain forms of cancer (breast, colorectal, endometrial, and kidney) • Complications of pregnancy •
Menstrual irregularities
Unfortunately, because there is no single cause of overweight and obesity, there is no single way to prevent or treat this disease. Common treatments often include a combination of diet, exercise, behavior modification, and sometimes weight-loss prescription medications. In some cases of extreme obesity, bariatric surgery may be recommended. However, it is important to be properly diagnosed by a qualified medical practitioner before beginning any obesity treatments. Remember, the treatment that may be right for you may not necessarily be right for your friend.
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SOURCES: National Institute for Health Care Management U.S Department of Health and Human Services
Family life Find an Exercise That Suits Your Body Type Let’s discuss some fun and easy ways to becoming more active and healthy — in mind, body, and soul. First, if exercise is not really your idea of a fun time, begin slowly! Dr. J. James Rohack, President of the American Medical Association, promotes “quality movement,” and discusses how patients can work it into their daily lives. Switching simple daily routines around can increase your heart rate and increase your endorphins! In 2008, the Department of Health and Human Services issued its Physical Activity Guidelines for Americans. They recommend that adults get a total of 2½ hours of moderate-intensity aerobic activity or a total of 1¼ hours of vigorous activity weekly.
Here are some easy tips to help get you started! • Walk to work or the grocery store instead of driving • Go for a walk with your family after dinner • Take the stairs at work instead of the elevator • Eliminate sodas and fats from your diet. Increase the amount of water you drink a day
If you already find yourself doing these suggestions, try these exercises for 30 minutes a day, 5 times a week: • Go biking with your friends • Take brisk walks around your neighborhood • Sign up for water aerobics • Challenge yourself by locating hiking trails around your home • General gardening • Try shopping at your local Farmers Markets instead of local grocery stores! The foods found at the Farmer Markets are a lot healthier because they are fresh and not filled with preservatives.
Finally, because there are definitive correlations between healthy living and longevity, try incorporating some of these easy tips into your daily lifestyle and your body will thank you!
SOURCE: The American Medical Association
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What’s up doc? Oral Cancer When you hear the word cancer, what comes to mind? Well, according to the American Cancer Society, there are 71 known types of cancer. Arguably some of the most common types include: breast cancer, skin cancer, cervical cancer, leukemia, colon cancer, and lung cancer. Because cancer has the power to affect nearly every part of the human body, it should be no surprise that your lips, tongue, mouth, and throat are also at risk of developing the disease. In 2010, there was an estimated 36,540 reported new cases of oral cancer in the United States. To date, there are two known types of oral cancer: 1.) Oral Cavity Cancer – This cancer develops in the mouth 2.) Oropharyngeal Cancer – This cancer develops in the throat just behind the mouth While the American Cancer Society recommends that primary care doctors and dentists examine the mouth and throat as part of a routine cancer-related check-up, there are many signs and symptoms associated with oral cancer that you can look for as well. The most common symptoms include: • • • •
Who Is At Risk?
A sore in the mouth that bleeds easily and does not heal Pain in the mouth that does not go away A lump or thickening in the cheek A white or red patch on the gums, tongue, tonsil, or lining of the mouth • A sore throat or a feeling that something is caught in the throat • Difficulties in chewing, swallowing, or moving the tongue or jaw
American Cancer Society studies show that oral cancers are twice as common in men as in women. Even though the risk of developing oral cancer increases with age, especially after age 35, nearly half of all oral cancers are diagnosed in people older than age 62. Additional oral cancer risk factors include: •
obacco Use – Nearly 80 percent of people diagnosed with oral cancer use tobacco products. This risk increases T even more depending on the amount smoked or chewed and the duration of the habit.
•
Alcohol Consumption – Nearly 70 percent of people diagnosed with oral cancer regularly consume alcohol.
•
un Exposure – Studies show that people diagnosed with cancers of the lip usually work outdoor jobs associated S with prolonged sun exposure.
•
Diet – A diet low in fruits and vegetables can increase your risk of developing cancer of the oral cavity.
•
uman Papilloma Virus (HPV) Infection – Recent studies suggest that HPV may contribute to the development H of approximately 20 to 30 percent of oral cancer cases. However, it is not yet clear if the use of HPV vaccines, such as Cervarix and Gardasil, will affect oral cancer rates in the future.
To learn more about oral cancer, visit www.cancer.org. SOURCE: American Cancer Society
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What’s up doc? Compass Outreach Dental and Vision DISCOUNT Program At Compass Rose Benefits Group (CRBG), we know your dental and vision health is important. Because having problems with your eyes and teeth can often lead to more serious health conditions, we offer a Dental and Vision Discount Program. As a Compass Rose Health Plan member, you have unlimited access to this Discount Program. We have partnered with Careington International Corporation and their extensive nationwide network of over 74,000 dentists and over 40,000 vision specialists to find you and your family qualified providers offering their services at a discounted rate. To maximize your savings, you can combine our Dental and Vision Discount Program with other dental and vision insurance plans. However, in order to receive the discount, your provider must participate in both our Careington Network and the network of your other dental and vision insurance plan. While our Dental and Vision Discount Program is NOT insurance, it does offer discounts on procedures and services such as teeth cleanings, X-rays, dentures, orthodontics, crowns, eye exams, eyewear, LASIK, and much more! If you would like to utilize this additional benefit, please visit www.compassrosebenefits.com/IDcard and enter the pin number 0512 to gain access to your membership card. Then, simply print the membership card and take it with you to your appointments! If you have additional questions about this Program, please contact a Member Services Representative by calling (866) 368-7227.
Ready to Quit? According to the American Cancer Society, today an estimated 46 million adults in the United States currently smoke, and approximately half will die prematurely from smoking. If you or anyone in your family over the age of 18 is ready to quit smoking – we’ve got you covered! Last year, the Compass Rose Health Plan partnered with Healthways, a leader in well-being improvement solutions, to deliver QuitNet’s Smoking Cessation Benefit Program. This Program offers a mix of support options including personal coaching, online tools and support, a printed Quit Guide, Quit medications, and Quit Tips e-mails. Best of all, this Program is confidential, voluntary, and FREE! So if you have been thinking about quitting, this Program may be just what the doctor ordered! To learn more about this Program, please contact a Smoking Cessation Representative at (888) 288-4489 or visit www.compassrosebenefits.com/QuitSmoking. PLEASE NOTE: In order to obtain smoking cessation prescription medications, including over-the-counter, you MUST have a prescription from your doctor.
SOURCE: American Cancer Society
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Specialty products How Many Cups of Coffee Is Your Family’s Financial Future Worth? Have you ever stopped and asked yourself how much money you spend on coffee every month? Or every year? According to the 2011 Coffee Statistics Report, one average cup of regular coffee costs $2.58. If you are one of the 56 percent of Americans consuming coffee daily, you are spending over $70 per month or over $866 per year on coffee! Now, what does coffee have to do with your family’s financial future? Have you ever thought about what would happen to your loved ones if you were suddenly gone and no longer able to provide for them? Would the expenses you incurred from purchasing coffee every day adequately cover your absence? Let’s be honest, probably not. However, for the cost of only one cup of coffee per week, you can provide your loved ones with the foundation for a future day through life insurance. By purchasing life insurance, you are providing financial security and support for your loved ones. Life insurance can help your family pay the mortgage, take care of any major debts, help pay school tuition for your children now or in the future, protect your spouse’s retirement plans, and much more!
Need a Pick Me Up?
Visit www.compassrosebenefits.com/NYLcoffee and take the Compass Rose Coffee Calculator! We have built a very fun and easy-to-use tool that shows you how much life insurance you can get for what you personally spend on coffee each week. The affordable rates will surprise you! For what you spend on 2 cups of coffee each week, you can protect your family’s future for years.
2 cups per week= $5.16 Or $20.64 per month
at
Age Term Life Coverage 20-29
= $500,000
30-39
= $400,000
40-49
= $200,000
50-59
= $75,000
Compass Rose Group Term Life Insurance* SAMPLE 2011 Monthly Rate Table For a complete listing of Group Term Life rates, please visit www.compassrosebenefits.com/NYLrate.
SOURCES: 2011 Coffee Statistics Report National Coffee Association
* Underwritten by New York Life Insurance Company (New York, NY 10010) on policy form GMR-ER-P
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Specialty Outreach products Compass The Compass Rose Group Term Life Insurance Plan, underwritten by New York Life Insurance Company, caters exclusively to the unique needs of active Federal employees of the Intelligence Community, Department of Defense, and Department of State. As one of the most affordable plans available to Federal employees, some highlights of our Plan include: • Rates, on average, lower than FEGLI • Simplified medical underwriting - three medical questions • Up to $500,000 in Employee and $100,000 in Spouse Coverage without salary limitations • Up to $100,000 in Member-only Accidental Death and Dismemberment (AD&D) Coverage automatically included • Full and Immediate Coverage for Acts of War and Terrorism* – anywhere in the world • You can take our Plan with you, even if you leave your current employer!
*What is Full and Immediate Coverage for covered Acts of War and Terrorism? Unlike many Federal life insurance plans that offer coverage for Acts of War and Terrorism, our Plan’s coverage begins immediately! Whether you have been enrolled one day, one month, or one year, our Accidental Death and Dismemberment (AD&D) Coverage through this Plan covers 100 percent of Acts of War and Terrorism anywhere in the world if you are there at the direction of your employer.
If you are a full time employee (30 hours or more per week) you are eligible to apply. So the next time you find yourself purchasing coffee, remember that peaceof-mind and helping to secure your family’s financial future is only a cup of coffee away. To learn more about our Group Term Life Plan, including plan features, costs, eligibility, exclusions, limitations and renewal provisions or to discover how many cups of coffee can help protect your family’s future, please call (866) 368-7227 or visit www.compassrosebenefits.com/NYLcoffee. We challenge you to see just how affordable life insurance can be!
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Compass Outreach Compass Outreach
FALL 2011
Service.
Stability.
Security.
1768 Business Center Drive Suite 3500 Reston, VA 20190 (571)449-2366 (866) 368-7227 www.compassrosebenefits.com
Proud to provide quality insurance solutions for more than 60 years!
Compass connection Compass Rose Health Plan Contact Information: Claims/InforMed
Compass Rose Health Plan P.O. Box 6430 Annapolis, MD 21401
(877) 531-1159
Medco Health Solutions, Inc. Medco Health Solutions (877) 438-4449 {Effective 1/1/2012} P.O. Box 30117 www.medco.com/pharmacy Tampa, FL 33630 LabCorp (877) 531-1159 Lab Program {Effective 1/1/2012} Dental and Vision Discount Program
Careington International Corporation 7400 Gaylord Parkway Frisco, TX 75034
(800) 290-0523 www.careington.com Identify yourself as a Diversified Federal Group (DFG) member
Compass Rose Benefits Group
Compass Rose Benefits Group 1768 Business Center Dr., Suite 3500 Reston, VA 20190
(866) 368-7227 askCRBG@compassrosebenefits.com www.compassrosebenefits.com
Social Networks
www.twitter.com/CRBGinsurance www.facebook.com/CRBGinsurance