h
Compass Outreach Compass Outreach
WINTER/SPRING 2012
Service. Stability. Security.
Navigating Through Your Benefits inside this issue: Board of Directors........ 2-3 Health Care News........ 4-5 Prescription Drugs......... 6-7 Health Tips..................... 8-9
For over 60 years, the Compass Rose Health Plan has provided comprehensive health care coverage and competitive premiums to an exclusive cadre of Federal employees. Over the years, our health plan benefits have continually evolved to meet the unique and ever-changing needs of our members. As your health plan, our mission is to assist you in navigating through the different relationships that collectively manage your benefits as a Compass Rose Health Plan member.
What’s Up Doc?............ 10
Compass Rose Health Plan
Exercise Your Mind........ 11
A Federal Employees Health Benefits (FEHB) fee-for-service plan.
Family Life.................. 12-13 Work Life......................... 14
UnitedHealthcare
Specialty Products........ 15
Help us help the environment... This spring, in honor of Earth Day, CRBG will plant a tree (up to 500) for every LIKE we receive on Facebook! Turn to Page 14 to learn more!
Facebook.com/CRBGinsurance Twitter.com/CRBGinsurance
InforMed Your Third Party Administrator (TPA) responsible for processing medical claims, handling pre-certification and benefit inquiries, and providing medical management services.
Your nationwide Preferred Provider Organization (PPO) network of more than 650,000 providers and 5,000 facilities.
Medco Health Solutions, Inc. Your Prescription Benefit Manager (PBM) who can help you achieve overall savings on your prescription medications through an extensive nationwide network of pharmacies including Medco’s Mail-Order Pharmacy.
Meet Our Board of Directors! “The Compass Rose Benefits Group Board of Directors plays an integral role in ensuring all products and services are responsive to the unique population in which they exclusively serve. Because eligibility to serve on our Board extends to all civilian employees and retirees of the Intelligence Community, Department of Defense, and Department of State who are actively enrolled in at least one Compass Rose plan - there is no one more qualified to speak on your behalf and ensure that your unique needs are met. On behalf of Compass Rose, we are honored to introduce the men and women who serve on our Board.”
- Randy Stoughton President, Compass Rose Benefits Group
“I wanted to serve on the Board of Compass Rose Benefits Group (CRBG) because I recognized the importance of having fair and adequate health coverage and wanted to ensure CRBG remained responsive to member needs and changes in the health care environment. What I’ve enjoyed most has been working with the Board and staff as CRBG took on the challenge of transitioning to private, non-profit status while still expanding its portfolio of services and maintaining high levels of customer service; being a part of it all has shown me that the people of CRBG really care about their members and are constantly working to improve.”
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- Charlie P. Board Chairman
“My interest in serving as a Retiree Representative on the Board of Directors stems from my long-standing experience and commitment to Compass Rose Benefits Group. My interest dates from 1988, when I first served as Chief of the Insurance Branch in the parent organization and eventually progressed to Deputy Group Chief. From that personal start date in 1988, insurance operations have developed from an in-house system staffed by generalist personnel employees to a highly professional and competitive stand-alone benefits group. I consider it a privilege to return to the insurance arena in this new capacity as a member of the Board. As a newly elected member of the Board, I have attended only a few board meetings. In this short time, I have been impressed with the scope of activities of the benefits group, the obvious professionalism of the staff, and the clear commitment to integrity and service by all of those serving the Compass Rose Benefits Group community.”
“It is not so much that I chose to serve on the Board but more that I have been honored by election to serve as a Retiree Representative. I did originally choose to put my name on the ballot because I saw an opportunity to learn more about the health insurance plan which helped my family and me over many years with a variety of health care needs. Satisfying my curiosity about the workings of health insurance plans, the privilege of acquaintance with officers, staff and fellow Board members and representing our retiree members have brought not just enjoyment but reward. Now that combines with anticipation of progress and expansion of Compass Rose.”
- Beverly C. Retiree Representative
- Joyce F. Retiree Representative
Compass Outreach
“I have been a Compass Rose member for most of my career. However, like many members, I was not very familiar with all the products and services offered by the plan. Joining the Board was a way to educate myself and others about the plan, and to play a role in ensuring that the plan meets the needs of their member population. What I’ve enjoyed most about being on the Board is working with the Compass Rose staff to translate the issues and concerns raised by members into actions by CRBG and, in some cases, into changes to the plan.”
- Gwen G. Retiree Representative “I am currently serving my second term on the Board. I believe that government health plans can, and should be, just as progressive as private industry plans. I enjoy helping younger employees understand their benefit packages so they can make wise choices for the unexpected health issues. Having cared for a terminally ill husband in the past, I like to use that experience to help other employees going through difficult times.”
- Katherine S. Active Representative
“As a long-time member of Compass Rose products, I joined the Board to enhance my knowledge of how CRBG works and how it determines which products it offers. Serving on the Board has given me the opportunity to work with the employees and members of the CRBG family and has shown me, that together, we make a difference in people’s lives.”
- Kevin S. Active Representative
“I accepted Compass Rose’s invitation to serve as the Board’s Industry Expert in 2008. I am retired from Mutual of Omaha where I was the Vice President in charge of Mutual’s FEHB plans (including the Association Benefit Plan (ABP) which is now the Compass Rose Health Plan) for eight years prior to my retirement in 2003. I enjoy sharing my years of experience of working with OPM and the FEHB to help the Board manage the best plan possible for our members. I also currently serve on the Board’s Audit and Finance Committee.”
- Ed T. Industry Expert
“I have used Compass Rose Benefits Group (CRBG) products and services for more than 35 years. I wanted to give something back in appreciation for the exceptional support that my family has received over the years and volunteered to be on the Board of Directors. It has been a privilege to serve on the Board. Working with the CRBG staff we are all committed to providing our members with the best possible support and the products and services that are needed now and in the future.”
- Bill T. Retiree Representative
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health care News
Living Healthy On a Budget! Did you know that as a Compass Rose Health Plan member, you and your covered family members have access to additional benefits that can help reduce your annual out-of-pocket expenses? For your convenience, below is a complete listing of these benefits: • GlobalFit is a discount benefit that offers a full range of affordable options for you to get fit, feel more energized, and live a healthier lifestyle.
• Quitnet’s Smoking Cessation Benefit Program is confidential, voluntary, and FREE! This Program offers members over the age of 18 a mix of support options including personal coaching, online tools and support, a printed Quit Guide, Quit medications, and Quit Tips e-mails. • LabCorp is the lab of choice for 100% covered outpatient laboratory testing. While you still have the option to have your lab work processed through Quest Diagnostics, these claims will be considered out-of-network. • Careington’s nationwide Dental and Vision Discount Program offers discounts on procedures and services such as teeth cleanings, X-rays, dentures, orthodontics, crowns, eye exams, eyewear, LASIK, and much more! To learn more about the additional benefits available to you, please visit www.compassrosebenefits.com.
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HEALTH CARE News
Understanding Your Health Care Card We are excited to unveil our new and improved Compass Rose Health Plan member identification (ID) card! By now, you and your covered family member(s) have been issued a new member ID card which displays Medco’s logo as well as your new Medco prescription ID number. If you require medical care, your provider will request your member ID card at the time of service. Services include: doctor’s office, hospital, lab, pharmacy, and other medical facilities. Below is a sample of your new Compass Rose Health Plan member ID card. For your convenience, we have also provided a brief explanation of the important information displayed on your card. 17.) The number you call for pre-certification, medical 17 claims and benefit inquiries.
1.) 1 The name of your health plan. 2.) 2 A unique number that identifies your health plan.
For Medicare A eligibles, your inpatient pre-certification is waived.
3.) 3 The name of the Insured. 4.) 4 A distinctive number assigned to you and your covered family members. This number is essential for accurate claims processing.
18 18.) The number your provider calls for contract inquiries.
Member
7.) 7 Your nationwide Preferred Provider Organization (PPO) network of providers, hospitals, and labs.
2
PPO Network
Group #: 78370001 Member: LOUISE XXXXXX
3
8 A number used by many providers to file electronic 8.) claims. 9 The required out-of-pocket expenses owed to your 9.) provider at the time of your appointment.
Compass Rose Health Plan
A Federal Employees Health Benefits Plan
Member ID: 307XXXXXXXXX
4
Effective: 01/01/2012
5
7 EDI: 50946
9
Pharmacy Plan
11
6
Rx Bin: 610014 Rx Group: DFGFEHB
12
For Medicare B eligibles, your co-pay is waived. 10 10.)
8
Copay(s): Office Visit $10, Specialist $20, Urgent Care $50, Emergency Room $100 Medicare Part B $0
www.medco.com/pharmacy For Pharmacists: 800-922-1557 Members: 877-438-4449
10
*0* 20120117T10J0100000000010002000110 Env [1] 2 of 1 Carrier [1]
1
6.) 6 The lab provider for 100% covered outpatient laboratory testing.
1078 1078 XX-78370001-CRHPPPOMEDA--A001-N M(NA) D() V() 0DDC
5.) 5 The date your member ID card became effective.
J010
13 14
Your Prescription Benefit Manager (PBM).
11 A dedicated number available for your pharmacist. 11.)
14.) 14 The number you call for prescription inquiries. 15 A number used by many providers to file electronic 15.) claims. 16 The mailing address for 2012 claims. 16.) In order to process your claims more efficiently, our P.O. Box has changed! However, claims mailed to the previous P.O. Box will still be processed.
*0* 20120117T10J0100000000010002000110 Env [1] 2 of 1 Carrier [1]
13 The number your pharmacist calls for prescription 13.) inquiries.
J010
1078 XX-78370001-CRHPPPOMEDA---A001-N M(NA) D() V() 0719
12 An optional online tool to manage your Medco 12.) Prescription Benefit Plan.
Medical Claims Submission
15
16
Compass Rose Health Plan EDI: 50946 Mail: Compass Rose Health Plan P.O. Box 141501 Nashville, TN 37214
Eligibility/Precertification For full benefits to be considered precertification may be required. Inpatient precertification is waived for Medicare A Primary members. For Precertification, Medical Claims and Benefit Inquiries please call: 877-531-1159
17
Possession of this card does not guarantee eligibility or coverage
Provider Contract inquiries please contact UHC: 877-370-5324 or www.uhis.com
18
REMINDER: Remember to show your provider your NEW health plan member ID card. This new ID card is necessary in order for you to obtain medications at a retail pharmacy. Please discard your existing health plan member ID card.
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PRESCRIPTION DRUGS
view your plan
ONLINE
Managing Your Medco Prescriptions Online As a Compass Rose Health Plan member, you have the opportunity to view your Medco Prescription Drug Plan online! While a brief registration process is required to get started, Medco’s personalized website allows you to: • View Prescription Drug information
Did You Know?
• Better understand your benefit coverage plan • Price a medication
Compared to brand-name medications, generics have the same:
• Use MyRxChoices to view potential lower-cost alternatives, such as generics, for long-term medications
• Active ingredients
• Strength, purity, quality
• Locate a participating retail pharmacy
• Dosage form (e.g. pills, liquid)
• Check the status of your prescription order
• Effects in the body
• Change your shipping address
• Strict FDA standards
• Print Mail-Order Form(s) and Physician Fax Form(s) If you would like to utilize this online tool, please visit www.medco.com/pharmacy to register today! If you need additional assistance, please contact a Medco Representative by calling (877) 438-4449. Remember: Using this online tool is NOT mandatory. You can always contact a Medco Representative!
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Compass PRESCRIPTION Outreach DRUGS Medco Recap! We appreciate your patience during the transition from Express Scripts to Medco. As a result of some of our member questions, we feel it might be helpful to list a few Medco reminders: • Request Your Prescription Refills by Mail: To request a refill of your mail-order prescription(s) by mail, please send your prescriptions to the Medco Pharmacy: Medco Health Solutions, Inc. P.O. Box 30117 Tampa, FL 33630 • Request Your Prescription Refills by Phone: In order to ensure that you are receiving accurate prescription benefit information that pertains to you, as a Compass Rose Health Plan member, please make sure to contact one of our dedicated Medco Representatives by calling (877) 438-4449.
Please Note: Make sure to have your member ID number available when you contact a Medco Representative because that is the ONLY way Medco is able to identify you as a Compass Rose Health Plan member. • Request Your Prescription Refills Online: If you are interested in managing your prescription refills online, please visit www.medco.com/pharmacy. This contact information was created specifically to accommodate our unique member population and their prescription needs. Thank you again for your patience during this transition and we look forward to continuing to serve you in the future.
What is a Formulary Guide? If you choose not to view your Medco Prescription Drug Plan online, learning how to navigate through your 2012 Formulary Guide is important! The Formulary Guide is a list of the most commonly prescribed medications that are covered under your Medco Prescription Drug Plan. This Guide does NOT contain a complete list of formulary and non-formulary medications. For your convenience, this year’s Formulary Guide is divided into two sections: • Section 1 - Alphabetically by drug category: Within each category, medications are listed in alphabetical order, with generic, preferred brand-name, and non-preferred brand-name drugs sorted separately.
Key
Level
Retail (30-day supply)
Mail-Order (90-day supply)
G P NP
Level 1 (Generic)* Level 2 (Brand Name Formulary) Level 3 (Brand Name Non-Formulary)
$5 co-pay $30 co-pay 30% or $45 – whichever is greater
$10 co-pay $60 co-pay 30% or $90 – whichever is greater
*If there is no Generic equivalent available, you will still have to pay the Level 2 co-pay
• Section 2 - Alphabetically by brand name: After each non-preferred brand-name drug, you will find possible generic and preferred brand-name alternatives. To access this year’s Formulary Guide online, please visit www.compassrosebenefits.com/Formulary.
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HEALTH TIPS Vaccinations for Adults: You’re Never Too Old to Get Immunized! A recent study published by the Centers for Disease Control and Prevention (CDC) recommends the following vaccinations to help fight against some of today’s common illnesses: Vaccine
Influenza
Ages 19-49
Ages 50-64
Ages 65 and older
As a plan member:
You need a dose every fall or winter for your protection and for the
The annual influenza
protection of others around you.
vaccine is 100% covered for ages 19 and older.
You need 1-2 doses if you smoke cigarettes or if you
You need 1 dose
The annual
have certain chronic medical conditions.*
at age 65 (or
pneumococcal
older) if you’ve
vaccine is 100%
never been
covered for ages 19
vaccinated.
and older.
Pneumococcal
You need to get a 1-time dose of ‘Tdap’ vaccine (the adult whooping
The Td and Tdap
Tetanus, diphtheria,
cough vaccine) if you are younger than age 65, are 65 and older and have
boosters are 100%
pertussis (Whooping
contact with an infant, healthcare worker, or simply want to be protected
covered once, every
from whooping cough. You need a Td booster dose every 10 years.
10 years for ages 22
Cough) (Td, Tdap)
and older. Hepatitis A (HepA)
Hepatitis B (HepB)
Human papillomavirus (HPV)
You need this vaccine if you have a specific risk factor for hepatitis A virus
The hepatitis A vaccine
infection* or you simply wish to be protected from this disease. The vaccine
is 100% covered for
is usually given as 2 doses, 6-18 months apart.
ages 19 and older.
You need this vaccine if you have a specific risk factor for hepatitis B virus
The hepatitis B vaccine
infection* or you simply wish to be protected from this disease. The vaccine
is 100% covered for
is usually given as 2 doses, 6-18 months apart.
ages 19 and older.
You need this vaccine if you are a
Both GARDASIL and
woman who is age 26 or younger. One
CERVARIX vaccines are
brand, GARDASIL, can be given to men age 26 or younger to prevent genital
--
--
100% covered up to age 26.
warts. The vaccine is given in 3 doses over 6 months. Measles, mumps, rubella (MMR)
Varicella(Chickenpox)
Meningococcal
You need at least 1 dose of MMR if you were born in 1957 or later. You may also
The MMR vaccine is --
--
100% covered for ages
need a 2nd dose.*
19 and older.
If you’ve never had chickenpox or you were vaccinated but received only
The varicella vaccine is
1 dose, speak with your healthcare provider to find out if you need this
100% covered for ages
vaccine.*
22 and older.
If you are going to college and plan to live in a dormitory, or have one
The meningococcal
of several medical conditions,* you need to get vaccinated against
vaccine is 100%
meningococcal disease. You may also need additional booster doses.*
covered for ages 19 and older.
Zoster (Shingles)
--
--
If you are age 50
The zoster vaccine is
years or older, you
100% covered for ages
should get this
50 and older.
vaccine now.
* Consult your healthcare provider to determine your level of risk for infection and your need for this vaccine.
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HEALTH TIPS Keeping Up With Members on the Move We understand that moving can be chaotic and stressful. However, it is our goal to try and help alleviate any unnecessary stress in your life that can negatively affect your health. So if you have recently relocated, please remember to notify us so we can update our records! Because your membership is important to us, maintaining up-to-date records helps us effectively communicate any important plan information. You can conveniently update your personal information by: Option 1: Contacting a Member Services Representative at (866) 368-7227. Option 2: Visiting www.compassrosebenefits.com/Address and completing the Change of Address Form. 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.
Benefits of Enrolling in Medicare Part A and B It is your decision as a Federal Employees Health Benefits (FEHB) member whether or not you choose to enroll in Medicare. However, there are some definite advantages to enrolling in Medicare Part A and B as a Compass Rose Health Plan member that may help decrease your out-of-pocket health care expenses. These advantages include: Part A (Hospital Insurance) – As your health plan, we will waive your hospital co-pays and coinsurance. Part B (Medical Insurance) – As your health plan, we will waive your calendar year deductible, co-pays and coinsurance for medical services and supplies provided by physicians and other health care professionals. We also provide lower co-pays for your prescription drugs. If you have additional questions regarding the Compass Rose Health Plan and Medicare, please visit www.compassrosebenefits.com/Medicare or contact a Member Services Representative at (866) 368-7227.
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WHAT’S UP DOC? Protecting Yourself Against a Silent Killer Imagine a virus that is able to affect an estimated 75% to 80% of males and females throughout their lifetime, all while remaining completely undetected. What if every year, over 6 million new cases of this virus will be reported in the United States alone and an estimated 74% of them will occur in people ages 15 to 24?
If you think statistics like these can only be found in a science fiction novel – think again. Today, human papillomavirus (HPV) is the most common sexually transmitted infection (STI). According to the Centers for Disease Control and Prevention (CDC), more than 100 types of HPV exist. However even though most types of HPV are harmless, there are approximately 30 known types that affect the genitals. While HPV is non-discriminatory of your sexual orientation, gender, or ethnicity, this virus does affect men and women differently.
DISEASES CAUSED BY HPV
In Women:
• Pre-cancers and cancers: cervical, vaginal, and vulvar • Genital warts
In Men:
• Genital warts
How Can I Lower My Chances of Getting HPV? There are several ways that people can lower their chances of getting HPV: • To date, there are two HPV vaccines licensed in the United States:
GARDASIL For girls and young women ages 9 to 26, GARDASIL helps protect against 2 types of HPV that cause about 75% of cervical cancer cases, and 2 more types that cause 90% of genital warts cases. In boys and young men ages 9 to 26, GARDASIL helps protect against 90% of genital warts cases.
CERVARIX For girls and young women ages 9 to 26, CERVARIX helps protect against the 2 types of HPV that cause 70% of cervical cancers. • W hen used correctly, condoms may reduce your risk of HPV infection. However, HPV can still affect areas that are not covered by a condom. Refraining from sexual intercourse is the only sure way to avoid HPV.
Please Note: GARDASIL and CERVARIX do not cure health problems caused by HPV. Therefore, it is important for girls and young women to get routine cervical cancer screenings, such as a Pap test. Learn the facts and remember to schedule your annual Pap test! For women age 18 and older, your annual cervical cancer screening (or Pap test) is 100% covered under the Compass Rose Health Plan’s Preventive Care Benefit. In addition, both GARDASIL and CERVARIX vaccines are 100% covered for members up to age 26.
SOURCES: Centers for Disease Control and Prevention, GARDASIL, CERVARIX
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EXERCISE MIND! CompassYOUR Outreach How Well Do You Know Us?! 1. 1
Compass Rose Benefits Group (CRBG) was established in: a. 1960 b. 1938 c. 1948 d. 1995
2. he Compass Rose Board of Directors is comprised of __ retiree and __ active representatives T 2 as well as an appointed Industry Expert and Medical Advisor that are elected by their peers. a. 2,1 b. 4,3 c. 3,4 d. 2,3 3. 3
CRBG offers Federal employees all of the following insurance plans EXCEPT: a. Group Term Life Insurance b. Health Insurance c. Pre-Burial Insurance d. Group Accident Protection Insurance e. Travel Insurance
4. 4
Who is NOT eligible for coverage under CRBG plans: a. Department of Agriculture b. Department of Defense (civilian) c. Intelligence Community d. Department of State
5 5.
CRBG has NEVER called the name of their health plan: a. Association Benefit Plan b. Government Employees Health Association c. Compass Rose Health Plan d. United Benefit Life Insurance Company
6. he Compass Rose Group Term Life Insurance Plan is underwritten by __, one of the largest and most respected T 6 life insurance companies in the nation. a. Mutual of Omaha b. Nationwide c. MetLife d. New York Life 7. 7
The compass rose is also displayed on the seals of the: a. Department of Defense b. Intelligence Community c. Office of the President d. U.S. Congress
Turn to page 13 to check your answers!
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FAMILY Life Bully 2.0
As a parent, you understand adolescent growing pains because you were that age once yourself, right? You tell yourself you have been there, done that, and it’s all just part of growing up. But what happens when that’s not the case? Today, unlike any generation before, teens socialize and interact with their peers in a virtual universe where no question or topic is off limit and can easily be found with the single click of a button. This uncharted and untamed frontier provides unlimited access to a world where anonymity thrives and real life rules and consequences don’t always apply. Not surprisingly a new form of verbal, social, and physical interaction amongst teens has emerged as a result of this new frontier. While bullying is a widespread and serious problem that can happen anywhere, the bully of yesterday has manifested into the outlaw of this virtually uncharted frontier. Instead of happening face-to-face, cyberbullying happens through the use of technology such as computers, cell phones, and other electronic devices. Seemingly harmless communication channels like text messages, social networks, and e-mail accounts provide a worldwide platform for teens to create and share hurtful, rude, or mean messages with the intention to embarrass, humiliate, or make fun of others. And, unlike the bully of yesterday, these messages and images know no boundaries and have the power to reach any audience anytime, anywhere.
Recognizing the Warning Signs
There are many warning signs that can indicate that someone is involved in bullying. Research published by StopBullying.gov has found that young people who have been cyberbullied are significantly more likely to: • Use alcohol and drugs • Skip school • Experience in-person bullying or victimization • Receive poor grades • Develop lower self-esteem • Have higher risk of depression or anxiety, including the following symptoms, that may persist into adulthood:
- Increased feelings of sadness and loneliness
- Changes in sleep and eating patterns
- Loss of interest in activities
At the same time, these studies also show that young people who bully their peers are more likely to: • Become violent with others • Get into physical or verbal fights with others • Have extra money or new belongings that cannot be explained • Not accept responsibility for their actions • Have friends who bully others • Be overly competitive and need to win or be the best at everything While definitions of bullying can vary, most experts agree that bullying behaviors usually involve repetitive actions that are intended to cause harm to the same person or group.
12
life CompassFAMILY Outreach How Parents Can Help
Although it is nearly impossible to monitor your teen’s activities at all times, experts argue the importance of familiarizing yourself with the online communication platforms your teen has access to. In addition, experts also recommend developing and enforcing household rules that clearly outline what is and what is not appropriate online as well as when, where, and for what purposes phones and computers can be used. If you know or suspect your teen is involved in bullying, take quick action because bullying is not a phase children have to go through, it is not “just messing around,” and it is not something to just grow out of. Because bullying can cause serious and lasting harm, remember to take time out of your day to talk to your teen. Listen to their concerns and let them know that you are there for them. Just because you can’t see the pressures that they face every day, doesn’t mean that they don’t exist.
familiarizing yourself with the
ONLINE
communication
SOURCE: StopBullying.gov Answers to How Well Do You Know Us Quiz on page 11: 1)C 2)B 3)C 4)A 5)D 6)D 7)B
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WORK LIFE Make Every Day Earth Day At Compass Rose Benefits Group, we believe environmental consciousness is everyone’s responsibility. Every individual has the power to make a difference. Because environmental changes can directly impact your health, below are a few simple tips that will help reduce waste, conserve resources, and minimize your overall environmental impact. On April 22nd, in recognition of Earth Day, we encourage you to incorporate these simple changes into your daily life.
Reduce Your Carbon Footprint! Fact: Leaving your car at home just two days a week will reduce greenhouse gas emissions by an average of 1,600 pounds per year. Tip: Use public transportation, carpool, walk, or bike whenever possible to reduce air pollution and save on fuel costs.
Shower Power! Fact: A full bathtub requires nearly 70 gallons of water, but taking a five-minute shower saves water by using 10 to 25 gallons. Tip: Place a small timer or clock near your shower so you can see how fast you are! You’ll conserve water and save money on your water bill!
Just Bag It! Fact: In the last few decades, the amount of trash each American generates has doubled. Tip: Help protect the environment when you shop. Keep reusable bags in your car so they are easy to grab!
SOURCE: Environmental Protection Agency
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Travel Green! Fact: Last year alone, there were over 715 million international arrivals worldwide. And, each arrival leaves its footprint behind. Tip: When staying at a hotel hang up your towels to dry so you can use them again, use the sheets more than a night or two, and look for local foods and souvenirs nearby to reduce transportation.
Don’t Let Waste Run Off! Fact: Leaving pet waste on the ground increases public health risks by allowing harmful bacteria or organic material to wash into the storm drain and eventually into local waterbodies. Tip: Always remember to scoop your pet’s poop!
Specialty Outreach Products Compass
MAKE SURE
your spring get-a-way
is memorable
Taking a Trip this Spring? In addition to the Compass Rose Health Plan - Compass Rose Benefits Group offers the Travel Guard Silver Plan. This per trip travel insurance, with Trip Cancellation coverage, is specifically tailored to make sure that your spring get-a-way is a memorable one. Travel Guard Silver Plan benefits include: • Trip Cancellation: 100% of insured trip cost • Baggage and Personal Effects Loss: $750 ($50 deductible) • Trip Interruption: 100% of insured trip cost • Baggage Delay: $200 • Trip Interruption – Return Air Only: $500 • Medical Expense: $15,000 ($50 deductible) • Trip Delay: $500 with a maximum of $100 per day • Emergency Evacuation/Repatriation of Remains: $150,000 • Family Coverage: One child age 17 and under will receive coverage at no additional cost for each adult who purchases this Plan. The Travel Guard Silver Plan is a unique plan because unlike many CRBG products, eligibility is extended to everyone! Premiums are based on age and the value of the trip. To learn more about the Travel Guard Silver Plan, please visit www.compassrosebenefits.com/Travel or call our dedicated Compass Rose Travel Guard Representative at (866) 420-9985. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, PA with its principal place of business in New York, NY. Coverage may not be available in all states.
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Compass Outreach Compass Outreach
WINTER/SPRING 2012
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 Contact Information: Claims/InforMed
Compass Rose Health Plan P.O. Box 141501 Nashville, TN 37214
(877) 531-1159
Medco Health Solutions, Inc. Lab Program
Medco Health Solutions P.O. Box 30117 Tampa, FL 33630 LabCorp
(877) 438-4449 www.medco.com/pharmacy (877) 531-1159
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 www.compassrosebenefits.com/Feedback
Social Networks
www.twitter.com/CRBGinsurance
www.facebook.com/CRBGinsurance