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Plan Option: The Compass Product

You must select a Primary Care Provider (PCP) from the Compass network who will help you get the right care at the right time. You won’t have coverage if you go out of the network.

Select the view summary link below to learn how the product works and the plans offered. You can also review the Summary of Benefits and Coverage (SBC) Documents. 

Find Your Doctor

Find out if your doctor, clinic or facility is in the network for The Compass Plan.

The Compass Product Highlights

  • You must select a primary care provider (PCP) from the NY Compass network. Your PCP will be your first point of contact to help you get care when you need it. You will be asked to select your PCP when you pay your first bill. 
  • Your PCP can refer you to any doctor or hospital in the NY Compass network. You save money when you use doctors (including specialists), hospitals and labs in the Compass network because health care providers in the network have agreed to charge lower prices.

    Note: You won't have coverage if you go out of the network. This means you will have to pay the full cost of services.
  • You must get a referral from your PCP before you can see another doctor or specialist. Electronic referrals from your PCP are required before you see another doctor or specialist. If you don’t get a referral, you won’t have coverage. You will have to pay the full cost of services.
  • Your preventive care is covered 100% in the network. You don't have to pay any out-of-pocket costs for preventive care as long as you use your PCP.

How The Compass Product works

Note: the following does not apply for preventive care that is received in the network.

  1. You will pay a co-payment each time you see your PCP.

    If your PCP feels you need special care, they will provide a referral for you to see a network specialist. You will need to pay a co-payment each time you see a specialist.
  2. You will have a deductible. 
  3. If you paid the deductible, your plan will likely have co-insurance.
  4. You are protected with an out-of-pocket limit. This is the most you will pay during a plan year for covered services. If you reach the limit, the plan will pay 100% of covered services for the rest of the plan year.

For certain services, you may be required to have approval before those services can be covered by your plan.

Summary of Benefits and Coverage (SBC) and Insurance Policy Documents

Insurance Policy Document Example

This is an example of an insurance policy. Please use this information only as a general reference for plan coverage. Once you're a member, you'll receive your insurance policy in your welcome packet. In the state of New York exchange health plans are covered by UnitedHealthcare of New York, Inc.

Insurance Policy Document Example

 

Summary of Benefits and Coverage Documents (SBCs)

The Summary of Benefits and Coverage (SBC) is designed to help you understand and compare different medical plan options. SBCs for each of our plans are listed below.

Which SBC should I review?

The Standard Plans listed below show what is available for most consumers. Some products are designed for specific groups, such as American Indians and Alaska Native Americans. Other products may only be available for individuals or families based on income levels. The Marketplace (or state exchange) will show only the plans available to you based on your income and how you answer a few other questions. This website shows the total list of plans and SBCs.

Health plans offered through the Marketplaces “exchanges” are grouped into “metal” levels such as Bronze, Silver and Gold.

Plan levels differ by how much you pay each month for the premium and for out-of-pocket costs for medical care. Some plans may cost less each month but require you to pay more out-of-pocket when you receive care. Other plans may cost more each month but require you to pay less out-of-pocket when you receive care.

Platinum Plans

Platinum Compass

Gold Plans

Gold Compass

Silver Plans

Silver Compass
Standard Plan:

UnitedHealthcare Compass Silver ST INN Pediatric Dental Dep 25

Variations of Standard Plan:

UnitedHealthcare Compass Silver ST INN Pediatric Dental Dep 29
UnitedHealthcare Compass Silver Zero ST INN Pediatric Dental Dep 25 (American Indian $0)
UnitedHealthcare Compass Silver Zero ST INN Pediatric Dental Dep 29 (American Indian $0)
UnitedHealthcare Compass Silver ST INN Pediatric Dental Dep 25 (American Indian Ltd)
UnitedHealthcare Compass Silver ST INN Pediatric Dental Dep 29 (American Indian Ltd)
UnitedHealthcare Compass Silver CSR1 ST INN Pediatric Dental Dep 25 (CSR 73)
UnitedHealthcare Compass Silver CSR1 ST INN Pediatric Dental Dep 29 (CSR 73)
UnitedHealthcare Compass Silver CSR2 ST INN Pediatric Dental Dep 25 (CSR 87)
UnitedHealthcare Compass Silver CSR2 ST INN Pediatric Dental Dep 29 (CSR 87)
UnitedHealthcare Compass Silver CSR3 ST INN Pediatric Dental Dep 25 (CSR 94)
UnitedHealthcare Compass Silver CSR3 ST INN Pediatric Dental Dep 29 (CSR 94)

Child Only Plan:

UnitedHealthcare Compass Silver Child Only ST INN Pediatric Dental

Variations of Child Only Plan:

UnitedHealthcare Compass Silver Zero Child Only ST INN Pediatric Dental (American Indian $0)
UnitedHealthcare Compass Silver Child Only ST INN Pediatric Dental (American Indian Ltd)
UnitedHealthcare Compass Silver CSR1 Child Only ST INN Pediatric Dental (CSR 73)
UnitedHealthcare Compass Silver CSR2 Child Only ST INN Pediatric Dental (CSR 87)
UnitedHealthcare Compass Silver CSR3 Child Only ST INN Pediatric Dental (CSR 94)

Bronze Plans

Bronze Compass

Catastrophic Plan

Catastrophic Compass

CSR: Cost Share Reduction Plans

Contact Us

Enrollment Support:

Please call Customer Service at 1-877-856-2429.

Attention: This website is operated by UnitedHealthcare and is not the Health Insurance Marketplace website. In the state of New York exchange health plans are covered by UnitedHealthcare of New York, Inc.

UHCINDNYKR1

 

If you are experiencing a medical emergency, call 911.

 

Para servicio al cliente en Español, por favor llame 1-877-856-2429.