Service. Stability. Security. 1768 Business Center Drive Suite 3500 Reston, VA 20190 (571) 449-2366 (866) 368-7227
Service. Stability. Security.
inside this issue: Member Appreciation... 2-3 Giving Back...................... 4
www.compassrosebenefits.com
A Loyal CRBG Member.... 5
Proud to provide quality insurance solutions for 65 years!
Health Care News........ 6-8 Year of the Retirees......... 9 Dental Advances.......... 10 Health Tips...................... 11 Specialty Products... 12-13 Cancer Awareness... 14 -15
Compass connection Compass Rose Contact Information: Claims/InforMed
Compass Rose Health Plan P.O. Box 141501 Nashville, TN 37214
(877) 531-1159
Express Scripts, Inc. Express Scripts (877) 438-4449 P.O. Box 30117 www.express-scripts.com/pharmacy Tampa, FL 33630 Lab Program LabCorp (877) 531-1159 Dental and Vision Discount Program
Careington International Corporation 7400 Gaylord Parkway Frisco, TX 75034
Compass Rose Benefits Group Compass Rose Benefits Group 1768 Business Center Dr., Suite 3500 Reston, VA 20190 Social Networks
(800) 290-0523 www.careington.com Identify yourself as a Diversified Federal Group (DFG) member (866) 368-7227 askCRBG@compassrosebenefits.com www.compassrosebenefits.com www.compassrosebenefits.com/Feedback
www.twitter.com/CRBGinsurance www.facebook.com/CRBGinsurance
Join us as we celebrate 65 years! For details on how to win a $65 Visa gift card turn to page 11!
Compass Rose Proudly Celebrates 65 Years of Service As President of Compass Rose Benefits Group (CRBG), I want to personally thank you for helping us celebrate our 65th Anniversary! Our Charter foundation was based on meeting the insurance needs of our diverse membership through offering highly competitive products and services. Throughout our long history to present day, we always keep front and center the reason we were originally established which can be summed up in three words – serving our membership.
SPE C IAL E D ITIO N
Compass Outreach
Today, with over 44,000 member lives covered by one or more of our insurance products, we take great pride in delivering high quality insurance products and outstanding service levels that you expect. It is a privilege to have such loyal members, and it is a commitment of ours to continue to earn your business through action, not words. The future with the ever-changing landscape of insurance is both challenging and exciting at the same time. We know that legislative changes and technology advances will shape the delivery of insurance products and services for decades to come. As such, we remain committed to communicating any changes that affect our membership, and look forward to advancing our technology capabilities across our plans to better serve our members. Sincerely,
– Randy Stoughton President, Compass Rose Benefits Group
Thank you for the trust you have placed in our organization, and
for helping us celebrate a milestone in our history.
SPE C IAL E D ITIO N
SPE C IAL E D ITIO N
SPE C IAL E D ITIO N
Compass Outreach Compass Outreach WINTER/SPRING 2013
WINTER/SPRING 2013
65 Years of Member Appreciation
became available.
1940’s 1948 – Circulated our first health plan brochure consisting of 7 pages.
1948 – Board of Directors was established.
2
1950’s
1960’s
1959 – GEHA’s health plan, the Association Benefit Plan (ABP), became part of the newly established Federal Employees Health Benefits (FEHB) Program.
2013
• Tank of gas: $3.31 per gallon • Bread: $2.00 per loaf • Milk: $3.53 per gallon • Average annual salary: $46,326 • Minimum wage: $7.25/hour • Postage stamp: $0.46
1970’s
1948
• Tank of gas: $0.26 per gallon • Bread: $0.14 per loaf • Milk: $0.86 per gallon • Average annual salary: $3,600.00 • Minimum wage: $0.40/hour • Postage stamp: $0.03
Fun Facts: During Pepsi-Cola’s first 65 years, they only sold Pepsi.
P U E
FI
R TS G
O
2002 – Careington services (dental and vision) were added to the health plan at no cost to the member.
1988 – Processing claims manually was replaced by processing claims electronically.
1998 – ABP celebrated 50-year relationship with Mutual of Omaha!
1980’s
1990’s
1989 – Plastic ID cards were issued. Compass Rose Health Plan A Federal Employees Health Benefits Plan Member
PPO Network
Group #: 78370001 Member: ENNIS XXXXXX Member ID: 307780124609 Effective: 01/01/2013
EDI: 50946 UnitedHealthcare Options PPO Copay(s): Office Visit $15, Specialist $25, Urgent Care $50, Emergency Room $100 Medicare Part B $0
Pharmacy Plan Rx Bin: Rx Group: ID:
610014 DFGFEHB 780124609
www.express-scripts.com/pharmacy For Pharmacists: 800-922-1557 Members: 877-438-4449
*0* 20130109T12J0050000000010002000110 Env [1] 2 of 1 Carrier [1]
BiWeekly Self and Family health premiums: $8.96
The Compass Rose: The compass rose, or star, has 16 points. These points represent our search for intelligence all over the world. The compass rose is also displayed in the seals of the Intelligence Agencies and CIA.
1078 1078 XX-78370001-CRHPPPONONRET--R001-N M(NA) D() V() 0DDC
1972 – BiWeekly Self health premiums: $3.21
The Colors: The logo is mostly red, white, and blue, just like our country’s flag.
E
1948 – The CIA established a department responsible for the insurance needs of CIA officers. 1954 – A new term life insurance policy The department was known as the United Benefit Life called the Government Insurance Company (UBLIC) Employees Health was created. Association (GEHA). GEHA was incorporated 1965 – F light and in Washington DC. Accident Plan
N
2010 – Compass Rose Charities (CRC) was established to provide financial assistance to members of the Intelligence Community. CRC hosted its first annual Golf Invitational and Charity Auction and raised nearly $50,000 in donations for the CIA Officers Memorial Foundation.
What Does the Compass Rose Seal symbolize?
SS R O
BE
This year, Compass Rose Benefits Group proudly celebrates 65 years of service to our members! In honor of this momentous occasion, we would like to share our story with you.
M
PA
S
Since our inception in 1948, we have had the privilege of providing our nation’s elite with an assortment of insurance products tailored to meet their unique needs. While our products and services have evolved over the years, our core values and unwavering commitment to our members have remained the same.
CO
Compass Outreach
J005
1999 - Circulated 1st external newsletter publication known today as the Compass Connection.
2008 Product eligibility expanded to civilian employees and retirees of the Department of Defense. 2009 CRBG became a standalone corporation.
2006 – Due to name similarities between GEHA and another insurance carrier, GEHA changed its name to Compass Rose Benefits Group (CRBG).
2000’s
2011 – ABP changed its name to the Compass Rose Health Plan. We also changed our network of providers by partnering with UnitedHealthcare, one of the largest nationwide networks.
2010’s
2006 – At the request of the Office of the Director of National Intelligence (ODNI), product eligibility was extended to all employees and retirees of the Intelligence Community (IC). 2007 – Coventry Healthcare became our health plan underwriter. 2009 – We partnered with New York Life Insurance Company to offer a new term life product. This new plan replaced UBLIC.
2011– Product eligibility expanded to employees and retirees of the Department of State. 2012 – C RC hosted its third annual Golf Invitational and Charity Auction and raised over $140,000 to help support American Heroes. CRC donated $85,000 to their charity of choice, Companions for Heroes. 2012 – Today, our health plan brochure consists of 94 pages.
Fun Facts: The sales for Reese’s Pieces went up 65% once the film ET: The Extra-Terrestrial was released.
3
65 Years of Member Appreciation
became available.
1940’s 1948 – Circulated our first health plan brochure consisting of 7 pages.
1948 – Board of Directors was established.
2
1950’s
1960’s
1959 – GEHA’s health plan, the Association Benefit Plan (ABP), became part of the newly established Federal Employees Health Benefits (FEHB) Program.
2013
• Tank of gas: $3.31 per gallon • Bread: $2.00 per loaf • Milk: $3.53 per gallon • Average annual salary: $46,326 • Minimum wage: $7.25/hour • Postage stamp: $0.46
1970’s
1948
• Tank of gas: $0.26 per gallon • Bread: $0.14 per loaf • Milk: $0.86 per gallon • Average annual salary: $3,600.00 • Minimum wage: $0.40/hour • Postage stamp: $0.03
Fun Facts: During Pepsi-Cola’s first 65 years, they only sold Pepsi.
P U E
FI
R TS G
O
2002 – Careington services (dental and vision) were added to the health plan at no cost to the member.
1988 – Processing claims manually was replaced by processing claims electronically.
1998 – ABP celebrated 50-year relationship with Mutual of Omaha!
1980’s
1990’s
1989 – Plastic ID cards were issued. Compass Rose Health Plan A Federal Employees Health Benefits Plan Member
PPO Network
Group #: 78370001 Member: ENNIS XXXXXX Member ID: 307780124609 Effective: 01/01/2013
EDI: 50946 UnitedHealthcare Options PPO Copay(s): Office Visit $15, Specialist $25, Urgent Care $50, Emergency Room $100 Medicare Part B $0
Pharmacy Plan Rx Bin: Rx Group: ID:
610014 DFGFEHB 780124609
www.express-scripts.com/pharmacy For Pharmacists: 800-922-1557 Members: 877-438-4449
*0* 20130109T12J0050000000010002000110 Env [1] 2 of 1 Carrier [1]
BiWeekly Self and Family health premiums: $8.96
The Compass Rose: The compass rose, or star, has 16 points. These points represent our search for intelligence all over the world. The compass rose is also displayed in the seals of the Intelligence Agencies and CIA.
1078 1078 XX-78370001-CRHPPPONONRET--R001-N M(NA) D() V() 0DDC
1972 – BiWeekly Self health premiums: $3.21
The Colors: The logo is mostly red, white, and blue, just like our country’s flag.
E
1948 – The CIA established a department responsible for the insurance needs of CIA officers. 1954 – A new term life insurance policy The department was known as the United Benefit Life called the Government Insurance Company (UBLIC) Employees Health was created. Association (GEHA). GEHA was incorporated 1965 – F light and in Washington DC. Accident Plan
N
2010 – Compass Rose Charities (CRC) was established to provide financial assistance to members of the Intelligence Community. CRC hosted its first annual Golf Invitational and Charity Auction and raised nearly $50,000 in donations for the CIA Officers Memorial Foundation.
What Does the Compass Rose Seal symbolize?
SS R O
BE
This year, Compass Rose Benefits Group proudly celebrates 65 years of service to our members! In honor of this momentous occasion, we would like to share our story with you.
M
PA
S
Since our inception in 1948, we have had the privilege of providing our nation’s elite with an assortment of insurance products tailored to meet their unique needs. While our products and services have evolved over the years, our core values and unwavering commitment to our members have remained the same.
CO
Compass Outreach
J005
1999 - Circulated 1st external newsletter publication known today as the Compass Connection.
2008 Product eligibility expanded to civilian employees and retirees of the Department of Defense. 2009 CRBG became a standalone corporation.
2006 – Due to name similarities between GEHA and another insurance carrier, GEHA changed its name to Compass Rose Benefits Group (CRBG).
2000’s
2011 – ABP changed its name to the Compass Rose Health Plan. We also changed our network of providers by partnering with UnitedHealthcare, one of the largest nationwide networks.
2010’s
2006 – At the request of the Office of the Director of National Intelligence (ODNI), product eligibility was extended to all employees and retirees of the Intelligence Community (IC). 2007 – Coventry Healthcare became our health plan underwriter. 2009 – We partnered with New York Life Insurance Company to offer a new term life product. This new plan replaced UBLIC.
2011– Product eligibility expanded to employees and retirees of the Department of State. 2012 – C RC hosted its third annual Golf Invitational and Charity Auction and raised over $140,000 to help support American Heroes. CRC donated $85,000 to their charity of choice, Companions for Heroes. 2012 – Today, our health plan brochure consists of 94 pages.
Fun Facts: The sales for Reese’s Pieces went up 65% once the film ET: The Extra-Terrestrial was released.
3
A Loyal CRBG Member
Giving Back D.C. Central Kitchen
Over the years, Compass Rose Benefits Group staff has taken pride in giving back to our community. In honor of our 65th Anniversary, we invite you to take a trip down memory lane as we recap on some of our most memorable outreach events!
We volunteered our time and service to an organization dedicated to providing at-risk individuals with hot, nutritious meals and the education and tools needed for a second chance at life.
A merican Heart Association: Go Red For Women Campaign We partnered with the American Heart Association to raise awareness on the issue of women and heart disease. Compass Rose staff donated over $2,000 to the American OMS Run Heart Association to help fight against Since 2011, we have heart disease. been a proud sponsor of the OMS 5k Run event at CIA.
American Red Cross Since 2011, we have partnered with the American Red Cross to help save lives by hosting an annual blood drive.
Give2theTroops Campaign We donated over 900 perishable items to support Give2theTroops, an organization that has supported approximately one (1) million deployed U.S. soldiers with loving care packages and letters.
We sponsored a team of five wounded warriors and CRBG staff participated in the 7th Annual Navy 5 Miler in Arlington, VA.
United Service Organizations (USO) Campaign We joined forces with the USO in support of our military troops and their families by purchasing holiday presents for ten (10) children whose parent(s) is/are currently serving our country.
4
Fun Facts: There are 65 Skittles in each bag.
Since becoming a Compass Rose member in late fall 1951, I have been afforded quality health care coverage provided in a caring way by efficient service. I decided to run for the Board of Directors as a Retiree Representative after seeing a call for candidates in a 2005 newsletter. During my husband’s career and even after his retirement, provisions of health care coverage were mostly a behind-the-scenes benefit. However, after his death in 1997, I was confronted with decisions about a previously unknown, but vitally important, part of my life – my health care coverage. Facing an important challenge I said to myself, ‘Columbus took a chance and look what happened!’ Words can’t convey what a rewarding challenge and educational opportunity membership on the Board has given me, not only with what I have learned regarding health care coverage, but I’ve also had the privilege of building relationships with officers and staff of CRBG. Perhaps one of my favorite memories throughout the years is attending the annual holiday affairs and gift exchanges hosted by CRBG personnel! More importantly, I value the memories from off-sites, which provide insight to issues and challenges confronting CRBG. On a personal note, I enjoy needlework—sewing, knitting, and crocheting—and playing contract bridge. Each year, a friend and I make hats and blankets that we donate to a “Pre-school Initiative Program,” which helps prepare children entering school for the first time. We try to create bright, colorful creations. There is a special distribution event at which the children get to choose a hat and a blanket of their very own!
Anacostia Watershed Society (AWS)
Wounded Warriors
In celebration of our 65th Anniversary, we have decided to feature a loyal and seasoned CRBG member, Joyce Freund, for your reading pleasure!
In honor of Earth Day, we donated $100 to the AWS, which helps protect and restore the Anacostia River and its watershed communities in Maryland and the District of Columbia. The charitable donations helped the AWS reach their goal of planting more than 900 trees in spring 2012.
Joyce’s Chicken Barley Chili Ingredients: One (14.5 oz.) can diced tomatoes, undrained One (16 oz.) jar/can salsa or tomato sauce One (14.5 oz.) can fat-free reduced sodium chicken broth One cup quick barley Three cups water One Tablespoon chili powder One teaspoon ground cumin Combine above ingredients, bring to a boil Simmer for 20 minutes Add: One (15 oz.) can black beans, drained and rinsed One (15 oz.) can corn, undrained Three cups (about 1 ½ lbs.) cooked chicken breast, cut into bite-size pieces Bring to a boil. Reduce heat, simmer for 5 minutes, stirring occasionally. Top with shredded cheddar cheese and sour cream (if desired). If it’s not “peppy” enough add some cayenne pepper (careful, not too much!) - Makes about eight 1 ½ cup servings.
Compass Rose Charities As a result of the generosity of our vendor sponsorships and auction winners, Compass Rose has been able to donate over $200,000 since its establishment in 2010.
CRBG Board of Directors’ Election Results Compass Rose is proud to announce our newly elected 2013 Board of Directors: Active Representative: Julie Lund Retiree Representative: Gwen Gaskins
I am very pleased to have the opportunity to continue representing retiree members on the Board of Directors. I look forward to working with members, Compass Rose officers, and the rest of the Board as we work toward our common goal of providing a health plan that best meets the needs of our members. - Gwen Gaskins
BOA
RD O F ELE CTI
ONS
Fun Facts: 65% of people tilt their head to the right when they kiss someone.
5
A Loyal CRBG Member
Giving Back D.C. Central Kitchen
Over the years, Compass Rose Benefits Group staff has taken pride in giving back to our community. In honor of our 65th Anniversary, we invite you to take a trip down memory lane as we recap on some of our most memorable outreach events!
We volunteered our time and service to an organization dedicated to providing at-risk individuals with hot, nutritious meals and the education and tools needed for a second chance at life.
A merican Heart Association: Go Red For Women Campaign We partnered with the American Heart Association to raise awareness on the issue of women and heart disease. Compass Rose staff donated over $2,000 to the American OMS Run Heart Association to help fight against Since 2011, we have heart disease. been a proud sponsor of the OMS 5k Run event at CIA.
American Red Cross Since 2011, we have partnered with the American Red Cross to help save lives by hosting an annual blood drive.
Give2theTroops Campaign We donated over 900 perishable items to support Give2theTroops, an organization that has supported approximately one (1) million deployed U.S. soldiers with loving care packages and letters.
We sponsored a team of five wounded warriors and CRBG staff participated in the 7th Annual Navy 5 Miler in Arlington, VA.
United Service Organizations (USO) Campaign We joined forces with the USO in support of our military troops and their families by purchasing holiday presents for ten (10) children whose parent(s) is/are currently serving our country.
4
Fun Facts: There are 65 Skittles in each bag.
Since becoming a Compass Rose member in late fall 1951, I have been afforded quality health care coverage provided in a caring way by efficient service. I decided to run for the Board of Directors as a Retiree Representative after seeing a call for candidates in a 2005 newsletter. During my husband’s career and even after his retirement, provisions of health care coverage were mostly a behind-the-scenes benefit. However, after his death in 1997, I was confronted with decisions about a previously unknown, but vitally important, part of my life – my health care coverage. Facing an important challenge I said to myself, ‘Columbus took a chance and look what happened!’ Words can’t convey what a rewarding challenge and educational opportunity membership on the Board has given me, not only with what I have learned regarding health care coverage, but I’ve also had the privilege of building relationships with officers and staff of CRBG. Perhaps one of my favorite memories throughout the years is attending the annual holiday affairs and gift exchanges hosted by CRBG personnel! More importantly, I value the memories from off-sites, which provide insight to issues and challenges confronting CRBG. On a personal note, I enjoy needlework—sewing, knitting, and crocheting—and playing contract bridge. Each year, a friend and I make hats and blankets that we donate to a “Pre-school Initiative Program,” which helps prepare children entering school for the first time. We try to create bright, colorful creations. There is a special distribution event at which the children get to choose a hat and a blanket of their very own!
Anacostia Watershed Society (AWS)
Wounded Warriors
In celebration of our 65th Anniversary, we have decided to feature a loyal and seasoned CRBG member, Joyce Freund, for your reading pleasure!
In honor of Earth Day, we donated $100 to the AWS, which helps protect and restore the Anacostia River and its watershed communities in Maryland and the District of Columbia. The charitable donations helped the AWS reach their goal of planting more than 900 trees in spring 2012.
Joyce’s Chicken Barley Chili Ingredients: One (14.5 oz.) can diced tomatoes, undrained One (16 oz.) jar/can salsa or tomato sauce One (14.5 oz.) can fat-free reduced sodium chicken broth One cup quick barley Three cups water One Tablespoon chili powder One teaspoon ground cumin Combine above ingredients, bring to a boil Simmer for 20 minutes Add: One (15 oz.) can black beans, drained and rinsed One (15 oz.) can corn, undrained Three cups (about 1 ½ lbs.) cooked chicken breast, cut into bite-size pieces Bring to a boil. Reduce heat, simmer for 5 minutes, stirring occasionally. Top with shredded cheddar cheese and sour cream (if desired). If it’s not “peppy” enough add some cayenne pepper (careful, not too much!) - Makes about eight 1 ½ cup servings.
Compass Rose Charities As a result of the generosity of our vendor sponsorships and auction winners, Compass Rose has been able to donate over $200,000 since its establishment in 2010.
CRBG Board of Directors’ Election Results Compass Rose is proud to announce our newly elected 2013 Board of Directors: Active Representative: Julie Lund Retiree Representative: Gwen Gaskins
I am very pleased to have the opportunity to continue representing retiree members on the Board of Directors. I look forward to working with members, Compass Rose officers, and the rest of the Board as we work toward our common goal of providing a health plan that best meets the needs of our members. - Gwen Gaskins
BOA
RD O F ELE CTI
ONS
Fun Facts: 65% of people tilt their head to the right when they kiss someone.
5
Health Care News Compass Outreach
Health Care News
Moved Recently? We Need to Hear From You!
By now, you and your covered family member(s) have been issued your own member ID card. Please take note of your NEW ESI Prescription ID number. If you require medical care, your provider will request your member ID card at the time of service. Services include: doctors’ office visits, 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.
If you have recently changed your address, you can conveniently update your personal information:
1
Compass Rose Health Plan A Federal Employees Health Benefits Plan
2.) 2 A unique number that categorizes our entire member population.
Member
2
3 The name of the Insured. 3.) 4 A distinctive number assigned to you and your 4.) covered family members. This number is essential for accurate claims processing.
3 4
PPO Network
Group #: 78370001 Member: ENNIS XXXXXX Member ID: 307780124609 Effective: 01/01/2013
5
7 EDI: 50946
8 PPO UnitedHealthcare Options
9
Copay(s): Office Visit $15, Specialist $25, Urgent Care $50, Emergency Room $100 Medicare Part B $0
Pharmacy Plan
11 6
Rx Bin: Rx Group: ID:
610014 DFGFEHB 780124609
12www.express-scripts.com/pharmacy For Pharmacists: 800-922-1557 Members: 877-438-4449
5.) 5 The date your member ID card became effective.
10
J005
13
J005
9.) 9 The required out-of-pocket expenses owed to your provider at the time of your appointment. For members with Medicare Part B as their primary payer, your co-pay is waived. 10.) 10
12.) 12 An optional online tool to manage your ESI Prescription Benefit Plan. 13.) 13 The number your pharmacist calls for prescription inquiries. 14.) 14 The number you call for prescription inquiries. 15.) 15 An electronic number used by many providers to file claims.
6
Eligibility/Precertification For full benefits to be considered precertification may be required. Inpatient precertification is waived for: Medicare A Primary members and admissions outside of the U.S.
EDI: 50946
16
15
Mail: Compass Rose Health Plan P.O. Box 141501 Nashville, TN 37214
16 Possession of this card does not guarantee eligibility or coverage
18
• By Phone: Contact our Administrative Office by calling (866) 368-7227.
New Year, New You! Are you ready to make this year count? Whether you are looking to lose weight, learn how to make healthier lifestyle choices or quit smoking, we’ve got you covered! As a Compass Rose Health Plan member, you and your covered family members have unlimited access to these discount benefits: GlobalFit and Smoking Cessation.
GlobalFit offers a full range of affordable options to get fit, feel more energized, and live a healthier lifestyle. GlobalFit offers you and your covered dependents:
• Guaranteed lowest rates on full-access memberships, the same benefits as if you paid full retail price
• 1 0,000 locations nationwide, including 24-Hour Fitness, Bally, Curves, and Anytime Fitness, plus regional chains and local favorites
• Free Guest Passes to try most gyms before joining
17
• A range of membership options to fit your needs
18
Visit www.compassrosebenefits.com/GlobalFit for more details!
Members: Medical Claims and Benefit Inquiries call: 877-531-1159 Providers: 17 Precertification call: 877-531-1159 Medical Provider Inquiries please contact UnitedHealthcare Shared Services: 877-370-5324 or www.uhis.com
19
Quitnet’s Smoking Cessation 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) emails. To learn more about these additional FREE benefits, please visit www.compassrosebenefits.com/QuitSmoking.
Your pharmacy manager/Express Scripts.
11.) 11 The numbers your pharmacist will use to process your prescriptions at a local pharmacy.
16.)
1078 XX-78370001-CRHPPPONONRET---R001-N M (NA) D() V() 0719 *0* 20130109T12J0050000000010002000110 Env [1] 2 of 1 Carrier [1]
8.) 8 An electronic number used by many providers to file claims.
15
Medical Claims Submission
Compass Rose Health Plan
• O nline: Complete and submit the Change of Address Form by visiting www.compassrosebenefits.com/address.
Gym Memberships:
14
6.) 6 The lab provider for 100% covered outpatient laboratory testing. 7.) 7 Your nationwide Preferred Provider Organization (PPO) network of providers, hospitals, and labs.
Reminder: If you change your address with your parent Agency or with the Office of Personnel Management (OPM), CRBG is not notified. *0* 20130109T12J0050000000010002000110 Env [1] 2 of 1 Carrier [1]
1 The name of your health plan. 1.)
1078 1078 XX-78370001-CRHPPPONONRET--R001-N M(NA) D() V() 0DDC
How to Read Your Health Care Card
16
The mailing address for claims.
LIVE Chat with the President Transcript Now Available! “As President of Compass Rose, I am not always able to connect directly with our members as much as I would like to. However, as a member-centric association, servicing your needs is our top priority and as such, implementing new communication channels like this will allow me the opportunity to connect with you in an open forum more frequently in the future.”
17.) The number you call for pre-certification, medical 17 claims and benefit inquiries. For members with Medicare Part A as your primary payer, your inpatient pre-certification is waived.18.) 18
The number your provider calls for precertification, claims, and benefit inquiries.
19
The number your provider calls for UnitedHealthcare contract inquiries.
Fun Facts: There are 65 million dogs owned in U.S.
– Randy Stoughton President, Compass Rose Benefits Group
On behalf of Compass Rose Benefits Group, we’d like to extend a very special thank you to all members who participated in our first LIVE Online Chat with the President on November 30th! To read the entire transcript from the chat, please visit www.compassrosebenefits.com/Transcript.
Fun Facts: There are 65 speeding tickets issued EVERY MINUTE in the U.S.
7
Health Care News Compass Outreach
Health Care News
Moved Recently? We Need to Hear From You!
By now, you and your covered family member(s) have been issued your own member ID card. Please take note of your NEW ESI Prescription ID number. If you require medical care, your provider will request your member ID card at the time of service. Services include: doctors’ office visits, 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.
If you have recently changed your address, you can conveniently update your personal information:
1
Compass Rose Health Plan A Federal Employees Health Benefits Plan
2.) 2 A unique number that categorizes our entire member population.
Member
2
3 The name of the Insured. 3.) 4 A distinctive number assigned to you and your 4.) covered family members. This number is essential for accurate claims processing.
3 4
PPO Network
Group #: 78370001 Member: ENNIS XXXXXX Member ID: 307780124609 Effective: 01/01/2013
5
7 EDI: 50946
8 PPO UnitedHealthcare Options
9
Copay(s): Office Visit $15, Specialist $25, Urgent Care $50, Emergency Room $100 Medicare Part B $0
Pharmacy Plan
11 6
Rx Bin: Rx Group: ID:
610014 DFGFEHB 780124609
12www.express-scripts.com/pharmacy For Pharmacists: 800-922-1557 Members: 877-438-4449
5.) 5 The date your member ID card became effective.
10
J005
13
J005
9.) 9 The required out-of-pocket expenses owed to your provider at the time of your appointment. For members with Medicare Part B as their primary payer, your co-pay is waived. 10.) 10
12.) 12 An optional online tool to manage your ESI Prescription Benefit Plan. 13.) 13 The number your pharmacist calls for prescription inquiries. 14.) 14 The number you call for prescription inquiries. 15.) 15 An electronic number used by many providers to file claims.
6
Eligibility/Precertification For full benefits to be considered precertification may be required. Inpatient precertification is waived for: Medicare A Primary members and admissions outside of the U.S.
EDI: 50946
16
15
Mail: Compass Rose Health Plan P.O. Box 141501 Nashville, TN 37214
16 Possession of this card does not guarantee eligibility or coverage
18
• By Phone: Contact our Administrative Office by calling (866) 368-7227.
New Year, New You! Are you ready to make this year count? Whether you are looking to lose weight, learn how to make healthier lifestyle choices or quit smoking, we’ve got you covered! As a Compass Rose Health Plan member, you and your covered family members have unlimited access to these discount benefits: GlobalFit and Smoking Cessation.
GlobalFit offers a full range of affordable options to get fit, feel more energized, and live a healthier lifestyle. GlobalFit offers you and your covered dependents:
• Guaranteed lowest rates on full-access memberships, the same benefits as if you paid full retail price
• 1 0,000 locations nationwide, including 24-Hour Fitness, Bally, Curves, and Anytime Fitness, plus regional chains and local favorites
• Free Guest Passes to try most gyms before joining
17
• A range of membership options to fit your needs
18
Visit www.compassrosebenefits.com/GlobalFit for more details!
Members: Medical Claims and Benefit Inquiries call: 877-531-1159 Providers: 17 Precertification call: 877-531-1159 Medical Provider Inquiries please contact UnitedHealthcare Shared Services: 877-370-5324 or www.uhis.com
19
Quitnet’s Smoking Cessation 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) emails. To learn more about these additional FREE benefits, please visit www.compassrosebenefits.com/QuitSmoking.
Your pharmacy manager/Express Scripts.
11.) 11 The numbers your pharmacist will use to process your prescriptions at a local pharmacy.
16.)
1078 XX-78370001-CRHPPPONONRET---R001-N M (NA) D() V() 0719 *0* 20130109T12J0050000000010002000110 Env [1] 2 of 1 Carrier [1]
8.) 8 An electronic number used by many providers to file claims.
15
Medical Claims Submission
Compass Rose Health Plan
• O nline: Complete and submit the Change of Address Form by visiting www.compassrosebenefits.com/address.
Gym Memberships:
14
6.) 6 The lab provider for 100% covered outpatient laboratory testing. 7.) 7 Your nationwide Preferred Provider Organization (PPO) network of providers, hospitals, and labs.
Reminder: If you change your address with your parent Agency or with the Office of Personnel Management (OPM), CRBG is not notified. *0* 20130109T12J0050000000010002000110 Env [1] 2 of 1 Carrier [1]
1 The name of your health plan. 1.)
1078 1078 XX-78370001-CRHPPPONONRET--R001-N M(NA) D() V() 0DDC
How to Read Your Health Care Card
16
The mailing address for claims.
LIVE Chat with the President Transcript Now Available! “As President of Compass Rose, I am not always able to connect directly with our members as much as I would like to. However, as a member-centric association, servicing your needs is our top priority and as such, implementing new communication channels like this will allow me the opportunity to connect with you in an open forum more frequently in the future.”
17.) The number you call for pre-certification, medical 17 claims and benefit inquiries. For members with Medicare Part A as your primary payer, your inpatient pre-certification is waived.18.) 18
The number your provider calls for precertification, claims, and benefit inquiries.
19
The number your provider calls for UnitedHealthcare contract inquiries.
Fun Facts: There are 65 million dogs owned in U.S.
– Randy Stoughton President, Compass Rose Benefits Group
On behalf of Compass Rose Benefits Group, we’d like to extend a very special thank you to all members who participated in our first LIVE Online Chat with the President on November 30th! To read the entire transcript from the chat, please visit www.compassrosebenefits.com/Transcript.
Fun Facts: There are 65 speeding tickets issued EVERY MINUTE in the U.S.
7
Year of the Retirees
Health Care News
TRUE OR FALSE
Rx News for 2013!
Medicare Quiz
Conveniently manage your Rx’s Online:
1. After you turn 65, Medicare automatically becomes the primary payer—regardless of your employment status as a Federal employee.
As the pharmacy benefit manager (PBM) for the Compass Rose Health Plan, Express Scripts Inc. (ESI) provides members the opportunity to manage their prescription drug plan online. If you are interested in managing your prescription refills online this year, simply visit www.express-scripts.com/pharmacy to get started! Once you have created your online profile, you will be able to quickly and conveniently update your personal account. This personalized website allows you to:
• Order refills
• Better understand your benefits coverage
• Check the status of your order
• Price a prescription
• And much more!
Not interested? Not to worry! Using this online tool is NOT mandatory. You can continue to reorder or check the status of your order by calling ESI Member Services at (877) 438-4449.
o True o False
IMPORTANT!
Although Medco and Express Scripts have merged, they are still in transition so please continue to mail to the following address: Express Scripts/Medco P.O. Box 30117 Tampa, FL 33630-3341 The Mail Order Form can be found by visiting www.compassrosebenefits.com.
Rx Co-pays for non-Medicare members:
The Compass Rose Health Plan will remain the primary payer for all members enrolled in Medicare who are still ACTIVE Federal employees. However, once you are enrolled in Medicare and retire from the Federal Government, Medicare will automatically become your primary form of health care coverage and we will become the secondary. False. 2. Three months prior to your 65th birthday you become eligible to sign up for Medicare coverage. o True o False
Three months prior to turning 65, the United States Social Security Administration is responsible for notifying you of the upcoming benefits available through Medicare. If you choose to enroll in Medicare, your effective coverage date is the 1st day of the month you turn 65. True. 3. There is NO penalty for late enrollment in Medicare Part B—covers medically-necessary services (i.e. doctors’ services, outpatient care, home health services, etc.) o True o False
If you choose NOT to enroll in Part B when you first become eligible, you may be charged a Part B late enrollment penalty, resulting in a 10% increase in premiums for every 12 months you are not enrolled. False. 4. You can switch to any FEHB Health Plan at any time once you are enrolled in Medicare. o True o False
Once you become eligible for Medicare coverage you have 30 days prior to your eligibility date to switch health plans. This is a onetime enrollment change opportunity. After the 30-day period is over, you can change plans during Open Season or when a life changing event occurs. False.
Turning 65 this year? For more information on your prescription drug plan, please visit www.compassrosebenefits.com.
You’ve Got Mail To request an electronic copy of all future newsletters by e-mail, visit www.compassrosebenefits.com/ECompass.
For those turning 65 this year, we will be mailing you our newest brochure, The Benefits of Medicare. Whether you are looking forward to retiring, traveling, or perhaps welcoming a grandchild into your family, your 65th birthday marks a very special time in your life. To download a copy of our new brochure, please visit www.compassrosebenefits.com/Medicare.
Reminder: If you sign up to receive the Compass Connection Newsletter electronically, you will no longer receive a hard copy by mail. All members have the freedom to “opt-out” of receiving the newsletter electronically at their convenience.
8
Fun Facts: On average, the number of apps per iPhone is 65.
Fun Facts: Twitter users generate an estimated 65 million tweets a day.
9
Year of the Retirees
Health Care News
TRUE OR FALSE
Rx News for 2013!
Medicare Quiz
Conveniently manage your Rx’s Online:
1. After you turn 65, Medicare automatically becomes the primary payer—regardless of your employment status as a Federal employee.
As the pharmacy benefit manager (PBM) for the Compass Rose Health Plan, Express Scripts Inc. (ESI) provides members the opportunity to manage their prescription drug plan online. If you are interested in managing your prescription refills online this year, simply visit www.express-scripts.com/pharmacy to get started! Once you have created your online profile, you will be able to quickly and conveniently update your personal account. This personalized website allows you to:
• Order refills
• Better understand your benefits coverage
• Check the status of your order
• Price a prescription
• And much more!
Not interested? Not to worry! Using this online tool is NOT mandatory. You can continue to reorder or check the status of your order by calling ESI Member Services at (877) 438-4449.
o True o False
IMPORTANT!
Although Medco and Express Scripts have merged, they are still in transition so please continue to mail to the following address: Express Scripts/Medco P.O. Box 30117 Tampa, FL 33630-3341 The Mail Order Form can be found by visiting www.compassrosebenefits.com.
Rx Co-pays for non-Medicare members:
The Compass Rose Health Plan will remain the primary payer for all members enrolled in Medicare who are still ACTIVE Federal employees. However, once you are enrolled in Medicare and retire from the Federal Government, Medicare will automatically become your primary form of health care coverage and we will become the secondary. False. 2. Three months prior to your 65th birthday you become eligible to sign up for Medicare coverage. o True o False
Three months prior to turning 65, the United States Social Security Administration is responsible for notifying you of the upcoming benefits available through Medicare. If you choose to enroll in Medicare, your effective coverage date is the 1st day of the month you turn 65. True. 3. There is NO penalty for late enrollment in Medicare Part B—covers medically-necessary services (i.e. doctors’ services, outpatient care, home health services, etc.) o True o False
If you choose NOT to enroll in Part B when you first become eligible, you may be charged a Part B late enrollment penalty, resulting in a 10% increase in premiums for every 12 months you are not enrolled. False. 4. You can switch to any FEHB Health Plan at any time once you are enrolled in Medicare. o True o False
Once you become eligible for Medicare coverage you have 30 days prior to your eligibility date to switch health plans. This is a onetime enrollment change opportunity. After the 30-day period is over, you can change plans during Open Season or when a life changing event occurs. False.
Turning 65 this year? For more information on your prescription drug plan, please visit www.compassrosebenefits.com.
You’ve Got Mail To request an electronic copy of all future newsletters by e-mail, visit www.compassrosebenefits.com/ECompass.
For those turning 65 this year, we will be mailing you our newest brochure, The Benefits of Medicare. Whether you are looking forward to retiring, traveling, or perhaps welcoming a grandchild into your family, your 65th birthday marks a very special time in your life. To download a copy of our new brochure, please visit www.compassrosebenefits.com/Medicare.
Reminder: If you sign up to receive the Compass Connection Newsletter electronically, you will no longer receive a hard copy by mail. All members have the freedom to “opt-out” of receiving the newsletter electronically at their convenience.
8
Fun Facts: On average, the number of apps per iPhone is 65.
Fun Facts: Twitter users generate an estimated 65 million tweets a day.
9
DENTAL ADVANCES
Compass Outreach HEALTH TIPS
ADVANCES IN DENTAL TECHNOLOGY In the past several years, a number of new dental advances have changed the way that dental care is delivered. This is great news for patients and dentists alike. In this article, we will focus on some of the biggest advances in digital imaging technologies and their impact on patients. To begin, digital imaging refers to technologies which allow your dentist to capture images of your mouth without the use of film. Of these technologies, we’ll discuss intraoral cameras, digital x-rays, and the new Cerec Omnicam. Intraoral cameras refer to small cameras mounted on top of a wand that are used to capture close-up images of your teeth. These cameras provide a very accurate picture of what the surface of the teeth look like, which in turn provides dentists with a much more accurate diagnosis and the opportunity to educate patients. The next time you’re at the dentist, you may notice an intraoral camera being used, which displays a video of the tooth before an image is “captured.” The picture(s) is/are stored with your dental records, allowing your dentist to review with you at a later time. In addition to a more accurate diagnosis, the pictures are beneficial in the event a dentist needs to provide an insurance company with evidence of tooth decay. The second type of digital imaging technology is digital bite-wing x-rays and panoramic x-rays. These x-rays come in two different types. Bite-wing x-rays show details of the upper and lower teeth in one area of the mouth, which are then used to detect any changes or decay between the teeth. Like intraoral cameras, these images are stored with your dental records in order to help the dentist accurately diagnose dental problems. The other type of imaging, panoramic x-rays, show the entire mouth—all teeth in both the upper and lower jaws. These x-rays provide an accurate full picture of your mouth and allow the dentist to determine the position of teeth and evaluate emerging or impacted teeth. Together, these digital x-rays let your dentist quickly and accurately diagnose problems or potential problems with your teeth. The final imaging technology we’d like to preview is perhaps one of the most exciting for patients and dentists alike – it’s the Cerec Omnicam. If you’ve had a crown put on your tooth, you’ll remember how an impression was made with dental putty, then sent to a lab, and once returned, the crown was placed on your tooth. With the Cerec Omnicam, that has all changed—now your crowns are milled while you wait. Simply put, this new system allows dentists to use a digital camera wand, like an intraoral camera, to capture the three dimensional nature of a tooth. This image is immediately sent to a milling unit where a crown is created and then placed on your tooth all during the same appointment. It’s a great time in dentistry with new digital imaging technologies such as intraoral cameras, digital x- rays, and the Cerec Omnicam. Not every dentist has these technologies in their office today—in fact, less than 10% have a Cerec Omnicam in their office. Be sure to check with your dentist to see how they’re using dental technologies to enhance your dental experience.
Friendly Reminder: As a Compass Rose Health Plan member you have unlimited access to our DISCOUNT Dental and Vision Program. To take advantage of this program, visit www.compassrosebenefits.com/IDcard and enter pin 0512 to obtain your membership card! Article written and provided by Dr. Sandhya Pal with Pal Family Dentistry .
10
Fun Facts: The longest recorded bout of hiccups lasted for 65 years.
Celebrating YOU! As part of CRBG’s 65th Anniversary year-long celebration, we are celebrating YOU – our member – by giving away $65.00 Visa gift cards to THREE (3) lucky winners every month now through December. In addition to the three drawings in December, CRBG is ending the year in a BIG way by giving one lucky member a Visa gift card worth $565.00!! Whether you’ve won in previous months or not, ANYONE is eligible to sign up for the grand prize. We encourage everyone to visit www.compassrosebenefits.com/65 or call a Member Services Representative at (866) 368-7227 to sign up for a chance to win! This sweepstakes is open to BOTH our Active and Retiree member population. To participate, you must be 18 years or older and currently enrolled in the Compass Rose Health Plan or any one of our Specialty Product(s).
Feeling SAD and Blue This Winter? Does cold weather make you feel blue? If it does, you are not alone. Seasonal affective disorder is a form of depression that affects nearly 25 million Americans each year. WebMD defines seasonal affective disorder (SAD) as a type of depression that affects a person during the same season each year. Experts believe that SAD may cause problems with a brain chemical, called serotonin, and may be brought on by a lack of sunlight. Anyone can get SAD, but it is more common in:
• People who live in areas where winter days are very short or there are big changes in the amount of daylight throughout different seasons.
• Women.
• People between the ages of 15 and 55. The risk of being affected by SAD for the first time goes down as you age.
• People who have a close relative with SAD.
If you suffer from seasonal affective disorder, you should contact your local health care provider. Experts also recommend increasing your daily exercise and trying these fairly healthy foods that have been proven to boost your mood:
• Popcorn
• Oatmeal (original)
• Nuts
• Egg whites for omelets
• Peanut butter
• Whole grain crackers and bread
• Prewashed veggies
• Deli turkey
• Fruit
• Cottage cheese
So don’t let the cold weather get you down! Contact your local health care provider today to learn more about seasonal affective disorder and ways to treat it. SOURCE: WebMD
Fun Facts: On average, a person eats 65 apples in their lifetime.
11
DENTAL ADVANCES
Compass Outreach HEALTH TIPS
ADVANCES IN DENTAL TECHNOLOGY In the past several years, a number of new dental advances have changed the way that dental care is delivered. This is great news for patients and dentists alike. In this article, we will focus on some of the biggest advances in digital imaging technologies and their impact on patients. To begin, digital imaging refers to technologies which allow your dentist to capture images of your mouth without the use of film. Of these technologies, we’ll discuss intraoral cameras, digital x-rays, and the new Cerec Omnicam. Intraoral cameras refer to small cameras mounted on top of a wand that are used to capture close-up images of your teeth. These cameras provide a very accurate picture of what the surface of the teeth look like, which in turn provides dentists with a much more accurate diagnosis and the opportunity to educate patients. The next time you’re at the dentist, you may notice an intraoral camera being used, which displays a video of the tooth before an image is “captured.” The picture(s) is/are stored with your dental records, allowing your dentist to review with you at a later time. In addition to a more accurate diagnosis, the pictures are beneficial in the event a dentist needs to provide an insurance company with evidence of tooth decay. The second type of digital imaging technology is digital bite-wing x-rays and panoramic x-rays. These x-rays come in two different types. Bite-wing x-rays show details of the upper and lower teeth in one area of the mouth, which are then used to detect any changes or decay between the teeth. Like intraoral cameras, these images are stored with your dental records in order to help the dentist accurately diagnose dental problems. The other type of imaging, panoramic x-rays, show the entire mouth—all teeth in both the upper and lower jaws. These x-rays provide an accurate full picture of your mouth and allow the dentist to determine the position of teeth and evaluate emerging or impacted teeth. Together, these digital x-rays let your dentist quickly and accurately diagnose problems or potential problems with your teeth. The final imaging technology we’d like to preview is perhaps one of the most exciting for patients and dentists alike – it’s the Cerec Omnicam. If you’ve had a crown put on your tooth, you’ll remember how an impression was made with dental putty, then sent to a lab, and once returned, the crown was placed on your tooth. With the Cerec Omnicam, that has all changed—now your crowns are milled while you wait. Simply put, this new system allows dentists to use a digital camera wand, like an intraoral camera, to capture the three dimensional nature of a tooth. This image is immediately sent to a milling unit where a crown is created and then placed on your tooth all during the same appointment. It’s a great time in dentistry with new digital imaging technologies such as intraoral cameras, digital x- rays, and the Cerec Omnicam. Not every dentist has these technologies in their office today—in fact, less than 10% have a Cerec Omnicam in their office. Be sure to check with your dentist to see how they’re using dental technologies to enhance your dental experience.
Friendly Reminder: As a Compass Rose Health Plan member you have unlimited access to our DISCOUNT Dental and Vision Program. To take advantage of this program, visit www.compassrosebenefits.com/IDcard and enter pin 0512 to obtain your membership card! Article written and provided by Dr. Sandhya Pal with Pal Family Dentistry .
10
Fun Facts: The longest recorded bout of hiccups lasted for 65 years.
Celebrating YOU! As part of CRBG’s 65th Anniversary year-long celebration, we are celebrating YOU – our member – by giving away $65.00 Visa gift cards to THREE (3) lucky winners every month now through December. In addition to the three drawings in December, CRBG is ending the year in a BIG way by giving one lucky member a Visa gift card worth $565.00!! Whether you’ve won in previous months or not, ANYONE is eligible to sign up for the grand prize. We encourage everyone to visit www.compassrosebenefits.com/65 or call a Member Services Representative at (866) 368-7227 to sign up for a chance to win! This sweepstakes is open to BOTH our Active and Retiree member population. To participate, you must be 18 years or older and currently enrolled in the Compass Rose Health Plan or any one of our Specialty Product(s).
Feeling SAD and Blue This Winter? Does cold weather make you feel blue? If it does, you are not alone. Seasonal affective disorder is a form of depression that affects nearly 25 million Americans each year. WebMD defines seasonal affective disorder (SAD) as a type of depression that affects a person during the same season each year. Experts believe that SAD may cause problems with a brain chemical, called serotonin, and may be brought on by a lack of sunlight. Anyone can get SAD, but it is more common in:
• People who live in areas where winter days are very short or there are big changes in the amount of daylight throughout different seasons.
• Women.
• People between the ages of 15 and 55. The risk of being affected by SAD for the first time goes down as you age.
• People who have a close relative with SAD.
If you suffer from seasonal affective disorder, you should contact your local health care provider. Experts also recommend increasing your daily exercise and trying these fairly healthy foods that have been proven to boost your mood:
• Popcorn
• Oatmeal (original)
• Nuts
• Egg whites for omelets
• Peanut butter
• Whole grain crackers and bread
• Prewashed veggies
• Deli turkey
• Fruit
• Cottage cheese
So don’t let the cold weather get you down! Contact your local health care provider today to learn more about seasonal affective disorder and ways to treat it. SOURCE: WebMD
Fun Facts: On average, a person eats 65 apples in their lifetime.
11
Specialty Outreach products Compass
Specialty products PROFESSIONAL LIABILITY INSURANCE
Debuting our NEWEST products: To help protect you and your family against any outcome or high price tags that may arise from conflict – whether at home or at the office – Compass Rose Benefits Group has teamed up with LegalShield and Wright USA to bring you a legal suite product line.
LEGALSHIELD & IDENTITY THEFT PROTECTION Over 40 years ago, LegalShield became one of the first companies established to design, underwrite, and market pre-paid legal expense plans. Today, 1.4 million families throughout the U.S. and Canada, approximately 4 million people, make up LegalShield’s membership. LegalShield has made legal protection accessible to everyone. From divorce to bankruptcy, speeding tickets and will preparation—coverage provides access to a top-quality law firm in your area without the high hourly costs. Even 24/7 assistance is available for certain covered situations. For less than $16 a month, you and your family can rest easy knowing you’re protected by LegalShield. In addition to the Personal Protection Plan, LegalShield also offers an Identity Theft Plan, for less than $10, which provides you with the information and expertise needed to help prevent theft and resolve issues related to identity theft. Benefits include continuous monitoring of your credit report and credit score, safety alerts, consultations, expert restoration, and more. If you ever fall victim to identity theft, the experts at Kroll Advisory Solutions will step in and take over with a customized solution to help get your life back on track.
identity DID YOU KNOW isanstolen
every 3 seconds?
Both ACTIVE and RETIREE employees of the Intelligence Community, Department of Defense (civilian) and Department of State are eligible for personal legal and identity theft protection.
Wright USA offers four PLI options to Compass Rose Benefits Group members. Its most comprehensive option, the Premium Plan, expands the basic plans to provide an additional $200,000 in defense costs for employment-related complaints, and defends against allegations made ANYWHERE IN THE WORLD. Professional Liability Insurance is available to ACTIVE Federal employees of the Intelligence Community, Department of Defense (civilian) and Department of State. All plans include PRIOR ACTS COVERAGE for claims arising out of incidents that happened before a professional liability policy was obtained as long as the employee had no prior knowledge of any facts concerning the wrongful act. Some Federal agencies reimburse up to 50% or more for qualified employees’ annual PLI premiums - rates can be as low as 55¢ a day ! Professional protection through Wright USA can cost you less for a whole year of coverage than an attorney would cost for one hour. That’s a small price to pay for peace of mind knowing you will be protected. Visit www.compassrosebenefits.com/PLI or call (855) 754-2724 to learn about the details.
The national average for HOURLY costs of a lawyer
from
can be anywhere
$200-$400.
TruTravel As of March 1, 2013, our Travel Guard Silver Plan by Travel Guard has been replaced by TruTravel. In association with Nationwide, TruTravel includes valuable coverage to protect your vacation investment – trip cancellation, interruption, delay, lost baggage and more. The Super Saver Plan offers excellent base plan benefits at competitive prices or you can opt for the First Class plan which offers the most comprehensive travel insurance coverage and services rolled into one package – a valuable product for international travelers. To learn more about this new travel product and all the corresponding details, visit www.compassrosebenefits.com/Travel.
12
Launched in 1966, Wright USA--formerly known as Wright & Company--is today’s largest Third Party Administrator (TPA) serving the Federal employee market. With Professional Liability Insurance (PLI), coverage is provided for Federal employees when claims arise from acts, errors, or omissions committed against duties assigned within the workspace. Wright USA uses Ironshore Specialty Insurance Company, a leading global carrier, for its PLI coverage.
Starting a family Buying a new home?
Life Insurance Relief Income Protection Legacy
For more information on affordable personal Legal Protection, visit www.compassrosebenefits.com/Legal or if you would like details on the Identity Theft Protection plan, visit www.compassrosebenefits.com/Identity. You can also call (855) 387-6314.
Ever been copied on an email and never thought it could land you in the middle of an investigation? Or maybe an act of kindness to help a coworker in need resulted in you losing your job? In 2011, an estimated 17,500 employmentrelated complaints were filed against employees of the Federal Government according to the Equal Employment Opportunity Commission. With Professional Liability Coverage, you can avoid facing long-term consequences that could affect your professional career and financial security.
Planning for Retirement?
Married Changing Jobs
Visit www.compassrosebenefits.com/termlife today to learn ways our Group Term Life Insurance Plan can help you protect what matters most to you. Underwritten by New York Life Insurance Company (NY, NY 10010) on Policy Form GMR-ER-P. 497692
Fun Facts: In the U.S. there are over 65.8 million cats.
13
Specialty Outreach products Compass
Specialty products PROFESSIONAL LIABILITY INSURANCE
Debuting our NEWEST products: To help protect you and your family against any outcome or high price tags that may arise from conflict – whether at home or at the office – Compass Rose Benefits Group has teamed up with LegalShield and Wright USA to bring you a legal suite product line.
LEGALSHIELD & IDENTITY THEFT PROTECTION Over 40 years ago, LegalShield became one of the first companies established to design, underwrite, and market pre-paid legal expense plans. Today, 1.4 million families throughout the U.S. and Canada, approximately 4 million people, make up LegalShield’s membership. LegalShield has made legal protection accessible to everyone. From divorce to bankruptcy, speeding tickets and will preparation—coverage provides access to a top-quality law firm in your area without the high hourly costs. Even 24/7 assistance is available for certain covered situations. For less than $16 a month, you and your family can rest easy knowing you’re protected by LegalShield. In addition to the Personal Protection Plan, LegalShield also offers an Identity Theft Plan, for less than $10, which provides you with the information and expertise needed to help prevent theft and resolve issues related to identity theft. Benefits include continuous monitoring of your credit report and credit score, safety alerts, consultations, expert restoration, and more. If you ever fall victim to identity theft, the experts at Kroll Advisory Solutions will step in and take over with a customized solution to help get your life back on track.
identity DID YOU KNOW isanstolen
every 3 seconds?
Both ACTIVE and RETIREE employees of the Intelligence Community, Department of Defense (civilian) and Department of State are eligible for personal legal and identity theft protection.
Wright USA offers four PLI options to Compass Rose Benefits Group members. Its most comprehensive option, the Premium Plan, expands the basic plans to provide an additional $200,000 in defense costs for employment-related complaints, and defends against allegations made ANYWHERE IN THE WORLD. Professional Liability Insurance is available to ACTIVE Federal employees of the Intelligence Community, Department of Defense (civilian) and Department of State. All plans include PRIOR ACTS COVERAGE for claims arising out of incidents that happened before a professional liability policy was obtained as long as the employee had no prior knowledge of any facts concerning the wrongful act. Some Federal agencies reimburse up to 50% or more for qualified employees’ annual PLI premiums - rates can be as low as 55¢ a day ! Professional protection through Wright USA can cost you less for a whole year of coverage than an attorney would cost for one hour. That’s a small price to pay for peace of mind knowing you will be protected. Visit www.compassrosebenefits.com/PLI or call (855) 754-2724 to learn about the details.
The national average for HOURLY costs of a lawyer
from
can be anywhere
$200-$400.
TruTravel As of March 1, 2013, our Travel Guard Silver Plan by Travel Guard has been replaced by TruTravel. In association with Nationwide, TruTravel includes valuable coverage to protect your vacation investment – trip cancellation, interruption, delay, lost baggage and more. The Super Saver Plan offers excellent base plan benefits at competitive prices or you can opt for the First Class plan which offers the most comprehensive travel insurance coverage and services rolled into one package – a valuable product for international travelers. To learn more about this new travel product and all the corresponding details, visit www.compassrosebenefits.com/Travel.
12
Launched in 1966, Wright USA--formerly known as Wright & Company--is today’s largest Third Party Administrator (TPA) serving the Federal employee market. With Professional Liability Insurance (PLI), coverage is provided for Federal employees when claims arise from acts, errors, or omissions committed against duties assigned within the workspace. Wright USA uses Ironshore Specialty Insurance Company, a leading global carrier, for its PLI coverage.
Starting a family Buying a new home?
Life Insurance Relief Income Protection Legacy
For more information on affordable personal Legal Protection, visit www.compassrosebenefits.com/Legal or if you would like details on the Identity Theft Protection plan, visit www.compassrosebenefits.com/Identity. You can also call (855) 387-6314.
Ever been copied on an email and never thought it could land you in the middle of an investigation? Or maybe an act of kindness to help a coworker in need resulted in you losing your job? In 2011, an estimated 17,500 employmentrelated complaints were filed against employees of the Federal Government according to the Equal Employment Opportunity Commission. With Professional Liability Coverage, you can avoid facing long-term consequences that could affect your professional career and financial security.
Planning for Retirement?
Married Changing Jobs
Visit www.compassrosebenefits.com/termlife today to learn ways our Group Term Life Insurance Plan can help you protect what matters most to you. Underwritten by New York Life Insurance Company (NY, NY 10010) on Policy Form GMR-ER-P. 497692
Fun Facts: In the U.S. there are over 65.8 million cats.
13
National Young Adult Cancer Awareness Week
Compass Outreach
No One is Invincible
Myeloma
Each year, nearly 70,000 young adults between the ages of 15 and 39 are diagnosed with cancer. In contrast to those younger and older, survival rates for young adults have not increased since 1975. We need to fix this. With over 1.4 million young adult cancer survivors in the United States alone, there is simply no reason that anyone should ever feel alone.
Myeloma is a cancer of the plasma cells, a type of white cell found primarily in the marrow. In myeloma, the cell type that forms plasma cells (known as the B lymphocyte) becomes malignant. Overtime, malignant plasma cells amass in the marrow and sometimes other sites in the body, disrupting normal bone tissue and causing pain to the individual. Nearly 90% of people with myeloma have disease involving multiple sites at the time of diagnosis.
This April 3rd through 9th,
we invite you to join CRBG
in observance of
National Young Adult Cancer Awareness Week. .
While there are far too many types of cancer, blood cancers are expected to account for 9% of the estimated over 1.5 million new cancer cases diagnosed in the U.S. in 2012. Last year, an estimated combined total of 140,310 Americans are expected to have been diagnosed with leukemia, lymphoma, or myeloma.
Leukemia Today, an estimated 274,930 Americans are living with, or are in remission from, leukemia. While there are four major types of leukemia depending on the cells involved, in general, leukemia is characterized by the uncontrolled accumulation of blood cells. One type of leukemia, Acute Myeloid leukemia (AML) is 57% higher in young adults than children.
In 2012, an estimated 20,520 new cases of myeloma are expected to be diagnosed in the United States. To date, the cause of myeloma is unknown in many cases. Studies show that long-term exposure to certain chemicals may increase a person’s risk of developing myeloma, but most people who have myeloma do not have any history of such exposure, indicating that other factors must play major roles. To learn more about ways you can raise awareness or become involved with the fight against cancer, visit the American Cancer Society at www.cancer.org.
4 minutes 1 person is diagnosed with a blood cancer, while every 10 minutes 1 person dies from a blood cancer.
SOURCE: Leukemia and Lymphoma Society Facts 2012
Approximately every
Unfortunately, leukemia is the 10th most frequently occurring type of cancer in all races or ethnicities. The cause of most cases of leukemia is unknown.
Lymphoma Lymphoma is a general term for many blood cancers that originate in the lymphatic system. Lymphoma results when a lymphocyte, a type of white blood cell, undergoes a malignant change and multiplies out of control. Eventually, healthy cells are crowded out and malignant lymphocytes amass in the lymph nodes, liver, spleen and/or other sites in the body. The two main types include: Hodgkin lymphoma (HL) and non-Hodgkin lymphoma (NHL). In 2012, an estimated 662,789 individuals in the U.S. were living with, or in remission from, lymphoma. This number includes 159,846 people with HL and 502,943 with NHL. Over the last decade, there has been an overall increase in the incidence of lymphoma in young adults. Hodgkin’s lymphoma accounts for slightly less than 1% of all cancers worldwide and is considered one of the most curable forms of cancer. This disease has characteristics that distinguish it from other diseases classified as lymphoma, including the presence of Reed-Sternberg cells. These are large, cancerous cells found in Hodgkin lymphoma tissues, named for the scientists who first identified them. While some studies have suggested external factors such as environmental exposure or contact with Epstein-Bar virus (EBG) may cause Hodgkin, these findings remain unclear and unfounded. Adolescents and young adults are more commonly diagnosed with HL than younger children. Non-Hodgkin lymphoma represents a diverse group of diseases that are distinguished by the characteristics of the cancer cells associated with each disease type. Like HL, the cause of Non-Hodgkin lymphoma is unknown. This disease is the 6th most common cause of cancer deaths in males and the seventh in females.
14
65% of American adolescents get acne.
15
National Young Adult Cancer Awareness Week
Compass Outreach
No One is Invincible
Myeloma
Each year, nearly 70,000 young adults between the ages of 15 and 39 are diagnosed with cancer. In contrast to those younger and older, survival rates for young adults have not increased since 1975. We need to fix this. With over 1.4 million young adult cancer survivors in the United States alone, there is simply no reason that anyone should ever feel alone.
Myeloma is a cancer of the plasma cells, a type of white cell found primarily in the marrow. In myeloma, the cell type that forms plasma cells (known as the B lymphocyte) becomes malignant. Overtime, malignant plasma cells amass in the marrow and sometimes other sites in the body, disrupting normal bone tissue and causing pain to the individual. Nearly 90% of people with myeloma have disease involving multiple sites at the time of diagnosis.
This April 3rd through 9th,
we invite you to join CRBG
in observance of
National Young Adult Cancer Awareness Week. .
While there are far too many types of cancer, blood cancers are expected to account for 9% of the estimated over 1.5 million new cancer cases diagnosed in the U.S. in 2012. Last year, an estimated combined total of 140,310 Americans are expected to have been diagnosed with leukemia, lymphoma, or myeloma.
Leukemia Today, an estimated 274,930 Americans are living with, or are in remission from, leukemia. While there are four major types of leukemia depending on the cells involved, in general, leukemia is characterized by the uncontrolled accumulation of blood cells. One type of leukemia, Acute Myeloid leukemia (AML) is 57% higher in young adults than children.
In 2012, an estimated 20,520 new cases of myeloma are expected to be diagnosed in the United States. To date, the cause of myeloma is unknown in many cases. Studies show that long-term exposure to certain chemicals may increase a person’s risk of developing myeloma, but most people who have myeloma do not have any history of such exposure, indicating that other factors must play major roles. To learn more about ways you can raise awareness or become involved with the fight against cancer, visit the American Cancer Society at www.cancer.org.
4 minutes 1 person is diagnosed with a blood cancer, while every 10 minutes 1 person dies from a blood cancer.
SOURCE: Leukemia and Lymphoma Society Facts 2012
Approximately every
Unfortunately, leukemia is the 10th most frequently occurring type of cancer in all races or ethnicities. The cause of most cases of leukemia is unknown.
Lymphoma Lymphoma is a general term for many blood cancers that originate in the lymphatic system. Lymphoma results when a lymphocyte, a type of white blood cell, undergoes a malignant change and multiplies out of control. Eventually, healthy cells are crowded out and malignant lymphocytes amass in the lymph nodes, liver, spleen and/or other sites in the body. The two main types include: Hodgkin lymphoma (HL) and non-Hodgkin lymphoma (NHL). In 2012, an estimated 662,789 individuals in the U.S. were living with, or in remission from, lymphoma. This number includes 159,846 people with HL and 502,943 with NHL. Over the last decade, there has been an overall increase in the incidence of lymphoma in young adults. Hodgkin’s lymphoma accounts for slightly less than 1% of all cancers worldwide and is considered one of the most curable forms of cancer. This disease has characteristics that distinguish it from other diseases classified as lymphoma, including the presence of Reed-Sternberg cells. These are large, cancerous cells found in Hodgkin lymphoma tissues, named for the scientists who first identified them. While some studies have suggested external factors such as environmental exposure or contact with Epstein-Bar virus (EBG) may cause Hodgkin, these findings remain unclear and unfounded. Adolescents and young adults are more commonly diagnosed with HL than younger children. Non-Hodgkin lymphoma represents a diverse group of diseases that are distinguished by the characteristics of the cancer cells associated with each disease type. Like HL, the cause of Non-Hodgkin lymphoma is unknown. This disease is the 6th most common cause of cancer deaths in males and the seventh in females.
14
65% of American adolescents get acne.
15
Service. Stability. Security. 1768 Business Center Drive Suite 3500 Reston, VA 20190 (571) 449-2366 (866) 368-7227
Service. Stability. Security.
inside this issue: Member Appreciation... 2-3 Giving Back...................... 4
www.compassrosebenefits.com
A Loyal CRBG Member.... 5
Proud to provide quality insurance solutions for 65 years!
Health Care News........ 6-8 Year of the Retirees......... 9 Dental Advances.......... 10 Health Tips...................... 11 Specialty Products... 12-13 Cancer Awareness... 14 -15
Compass connection Compass Rose Contact Information: Claims/InforMed
Compass Rose Health Plan P.O. Box 141501 Nashville, TN 37214
(877) 531-1159
Express Scripts, Inc. Express Scripts (877) 438-4449 P.O. Box 30117 www.express-scripts.com/pharmacy Tampa, FL 33630 Lab Program LabCorp (877) 531-1159 Dental and Vision Discount Program
Careington International Corporation 7400 Gaylord Parkway Frisco, TX 75034
Compass Rose Benefits Group Compass Rose Benefits Group 1768 Business Center Dr., Suite 3500 Reston, VA 20190 Social Networks
(800) 290-0523 www.careington.com Identify yourself as a Diversified Federal Group (DFG) member (866) 368-7227 askCRBG@compassrosebenefits.com www.compassrosebenefits.com www.compassrosebenefits.com/Feedback
www.twitter.com/CRBGinsurance www.facebook.com/CRBGinsurance
Join us as we celebrate 65 years! For details on how to win a $65 Visa gift card turn to page 11!
Compass Rose Proudly Celebrates 65 Years of Service As President of Compass Rose Benefits Group (CRBG), I want to personally thank you for helping us celebrate our 65th Anniversary! Our Charter foundation was based on meeting the insurance needs of our diverse membership through offering highly competitive products and services. Throughout our long history to present day, we always keep front and center the reason we were originally established which can be summed up in three words – serving our membership.
SPE C IAL E D ITIO N
Compass Outreach
Today, with over 44,000 member lives covered by one or more of our insurance products, we take great pride in delivering high quality insurance products and outstanding service levels that you expect. It is a privilege to have such loyal members, and it is a commitment of ours to continue to earn your business through action, not words. The future with the ever-changing landscape of insurance is both challenging and exciting at the same time. We know that legislative changes and technology advances will shape the delivery of insurance products and services for decades to come. As such, we remain committed to communicating any changes that affect our membership, and look forward to advancing our technology capabilities across our plans to better serve our members. Sincerely,
– Randy Stoughton President, Compass Rose Benefits Group
Thank you for the trust you have placed in our organization, and
for helping us celebrate a milestone in our history.
SPE C IAL E D ITIO N
SPE C IAL E D ITIO N
SPE C IAL E D ITIO N
Compass Outreach Compass Outreach WINTER/SPRING 2013
WINTER/SPRING 2013