Medical Benefits
Plan Options
Compass Group offers several medical plan options. To determine what plan is right for you, take time to understand thoroughly the differences among them. Each plan has different coverages and costs.
In-Network Coverage Only
Network Choice Plan
Associates may see only doctors who participate in their carrier's network. Any out-of-network visits are not covered. This plan has the following features:
- Provides the most comprehensive coverage and benefit levels of all the plan options; therefore it requires the highest payroll deduction
- Requires no annual deductible
- Provides office visits with a Primary Care Physician (PCP) are for only $20
- Provides office visits with a specialist for $45 - no referral required
- Has a $250 copay for emergency room or inpatient admissions
- Pays most other services are paid at 80 percent
- Offers phome or online consultatiom with a physician for $10 - service provided by Teladoc
back to top Both In- and Out-Of-Network Coverage
Consumer Choice PPO Plan
Associates have the option to select in-network or out-of-network providers for care. Higher benefits are paid when the associate stays in the PPO network. This plan:
- Has payroll deductions that are higher than those for the Value Choice Plan, but lower than those for the Network Choice Plan
- Has high deductibles for individual as well as family coverage
- Provides a Health Reimbursement Account (HRA), which helps offset out-of-pocket costs
- After the deductible is met, pays for network services at 80 percent and out-of-network services at 60 percent
- Offers phone or online consultation with a physician for $10 - service provided by Teladoc
back to top No Network
Value Choice Plan and Out-of-Area Plan
With either the Value Choice Plan or the Out-of-Area Plan, associates may use any doctor or facility. There are no required networks. The Out-of-Area Plan is offered in areas where there is no network or access is limited, such as rural areas.
Value Choice Plan
This plan:
- Requires the lowest payroll deduction of all the plans
- Will help you save money if you use network providers, although you are not required to do so under the plan
- Has a $200 annual individual deductible; after meeting the deductible, plan pays for services at 70 percent
- Has a $750,000 annual plan maximum, excluding prescription drugs
- Offers phone or online consultation with a physician for $10 - service provided by Teladoc
Out-of-Area Plan
This plan:
- Has payroll deductions that are the same as those for the Consumer Choice PPO Plan
- Is offered only in limited rural areas
- Has minimal annual deductibles for individual and family coverage
- Has a $3,000,000 annual maximum, excluding prescription drugs
- After the deductible is met, pays for services at 80 percent
- Offers phone or online consultation with a physician for $10 - service provided by Teladoc
In some locations, Regional HMOs may be available and coverage under these HMOs may vary. back to top
Learn More
Links to detailed information about the medical plans can be found under Tools and Resources: Full-time Associates.