Compass outreaCh Compass outreaCh

Thank you for the trust you have placed in our organization, and

for helping us celebrate a milestone in our history.

Compass outreaCh

serviCe. stabil i ty . 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

65 years!

WiNter/spriNG 2013

serviCe. stabil i ty . seCurity.

WiNter/spriNG 2013

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.

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

Compass Rose Proudly Celebrates 65 Years of Service

Compass Rose Contact Information:

Claims/InforMed Compass Rose Health Plan (877) 531-1159 P.O. Box 141501 Nashville, TN 37214

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 (800) 290-0523 7400 Gaylord Parkway www.careington.com Frisco, TX 75034 Identify yourself as a DiversifiedFederalGroup(DFG)member

Compass Rose Benefits Group Compass Rose Benefits Group (866) 368-7227 1768 Business Center Dr., Suite 3500 askCRBG@compassrosebenefits.com Reston, VA 20190 www.compassrosebenefits.com www.compassrosebenefits.com/Feedback

Social Networks www.twitter.com/CRBGinsurance www.facebook.com/CRBGinsurance

Compass CoNNeCtioNJoin us as we

celebrate 65 years! For details on how to win a $65 Visa

gift card turn to page 11!

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iNsiDe this issue:Member Appreciation .. 2-3

Giving Back ..................... 4

A Loyal CRBG Member ... 5

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 outreaCh

2 3

65 years of member appreCiatioN

1940’s 1950’s 1960’s 1970’s 1980’s 1990’s 2000’s 2010’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.

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.

1948 – The CIA established a department responsible for the insurance needs of CIA officers. The department was called the Government Employees Health Association (GEHA). GEHA was incorporated in Washington DC.

1998 – ABP celebrated 50-year relationship with Mutual of Omaha!

2002 – Careington services (dental and vision) were added to the health plan at no cost to the member.

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.

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.

2006 – Due to name similarities between GEHA and another insurance carrier, GEHA changed its name to Compass Rose Benefits Group (CRBG).

2011 – Product eligibility expanded to employees and retirees of the Department of State.

2012 – CRC 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.

1988 – Processing claims manually was replaced by processing claims electronically.

1965 – Flight and Accident Plan became available.

1948 – Circulated our first health plan brochure consisting of 7 pages.

1989 – Plastic ID cards were issued.

1999 - Circulated 1st external newsletter publication known today as the Compass Connection.

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.

2008 Product eligibility expanded to civilian employees and retirees of the Department of Defense.

2009 CRBG became a standalone corporation.

1954 – A new term life insurance policy known as the United Benefit Life Insurance Company (UBLIC) was created.

1972 – BiWeekly Self health premiums: $3.21

BiWeekly Self and Family health premiums: $8.96

1948 – Board of Directors was established.

1959 – GEHA’s health plan, the Association Benefit Plan (ABP), became part of the newly established Federal Employees Health Benefits (FEHB) Program.

What Does the Compass rose seal symbolize?

the Colors: The logo is mostly red, white, and blue, just like our country’s flag.

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.

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Member PPO Network

Copay(s):Copay(s):Copay(s):Copay(s):Office Visit $15, Specialist $25,Urgent Care $50, Emergency Room $100Medicare Part B $0

Effective: 01/01/2013

Compass Rose Health Plan

Group #: 78370001Member: ENNIS XXXXXXMember ID: 307780124609

EDI: 50946

Pharmacy PlanRx Bin: 610014Rx Group: DFGFEHBID: 780124609

www.express-scripts.com/pharmacyFor Pharmacists: 800-922-1557

Members: 877-438-4449

A Federal Employees Health Benefits Plan

UnitedHealthcare Options PPO

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Fun Facts: During Pepsi-Cola’s first 65 years, they only sold Pepsi. Fun Facts: The sales for Reese’s Pieces went up 65% once the film ET: The Extra-Terrestrial was released.

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: $0.032013• 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

Compass outreaCh

2 3

65 years of member appreCiatioN

1940’s 1950’s 1960’s 1970’s 1980’s 1990’s 2000’s 2010’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.

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.

1948 – The CIA established a department responsible for the insurance needs of CIA officers. The department was called the Government Employees Health Association (GEHA). GEHA was incorporated in Washington DC.

1998 – ABP celebrated 50-year relationship with Mutual of Omaha!

2002 – Careington services (dental and vision) were added to the health plan at no cost to the member.

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.

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.

2006 – Due to name similarities between GEHA and another insurance carrier, GEHA changed its name to Compass Rose Benefits Group (CRBG).

2011 – Product eligibility expanded to employees and retirees of the Department of State.

2012 – CRC 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.

1988 – Processing claims manually was replaced by processing claims electronically.

1965 – Flight and Accident Plan became available.

1948 – Circulated our first health plan brochure consisting of 7 pages.

1989 – Plastic ID cards were issued.

1999 - Circulated 1st external newsletter publication known today as the Compass Connection.

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.

2008 Product eligibility expanded to civilian employees and retirees of the Department of Defense.

2009 CRBG became a standalone corporation.

1954 – A new term life insurance policy known as the United Benefit Life Insurance Company (UBLIC) was created.

1972 – BiWeekly Self health premiums: $3.21

BiWeekly Self and Family health premiums: $8.96

1948 – Board of Directors was established.

1959 – GEHA’s health plan, the Association Benefit Plan (ABP), became part of the newly established Federal Employees Health Benefits (FEHB) Program.

What Does the Compass rose seal symbolize?

the Colors: The logo is mostly red, white, and blue, just like our country’s flag.

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.

CO

MP A S S R O

SE

BE

NE

F I T S G RO

UP

Member PPO Network

Copay(s):Copay(s):Copay(s):Copay(s):Office Visit $15, Specialist $25,Urgent Care $50, Emergency Room $100Medicare Part B $0

Effective: 01/01/2013

Compass Rose Health Plan

Group #: 78370001Member: ENNIS XXXXXXMember ID: 307780124609

EDI: 50946

Pharmacy PlanRx Bin: 610014Rx Group: DFGFEHBID: 780124609

www.express-scripts.com/pharmacyFor Pharmacists: 800-922-1557

Members: 877-438-4449

A Federal Employees Health Benefits Plan

UnitedHealthcare Options PPO

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10

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Fun Facts: During Pepsi-Cola’s first 65 years, they only sold Pepsi. Fun Facts: The sales for Reese’s Pieces went up 65% once the film ET: The Extra-Terrestrial was released.

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: $0.032013• 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

5

a loyal CrbG member

4

GiviNG baCk

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!

In celebration of our 65th Anniversary, we have decided to feature a loyal and seasoned CRBG member, Joyce Freund, for your reading pleasure!

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!

CRBG Board of Directors’ Election ResultsCompass 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

Fun Facts: There are 65 Skittles in each bag. Fun Facts: 65% of people tilt their head to the right when they kiss someone.

BOARD OF ELEC TIONS

Ingredients:One (14.5 oz.) can diced tomatoes, undrainedOne (16 oz.) jar/can salsa or tomato sauceOne (14.5 oz.) can fat-free reduced sodium chicken brothOne cup quick barleyThree cups waterOne Tablespoon chili powderOne teaspoon ground cumin

Combine above ingredients, bring to a boil Simmer for 20 minutes

Add:One (15 oz.) can black beans, drained and rinsedOne (15 oz.) can corn, undrainedThree cups (about 1 ½ lbs.) cooked chicken breast, cut into bite-size piecesBring 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.

Joyce’s Chicken Barley Chili

D.C. Central Kitchen 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.

American 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 Heart Association to help fight against heart disease.

American Red Cross Since 2011, we have partnered with the American Red Cross to help save lives by hosting an annual blood drive.

OMS Run Since 2011, we have been a proud sponsor of the OMS 5k Run event at CIA.

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.

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.

Wounded Warriors We sponsored a team of five wounded warriors and CRBG staff participated in the 7th Annual Navy 5 Miler in Arlington, VA.

Anacostia Watershed Society (AWS)

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.

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.

5

a loyal CrbG member

4

GiviNG baCk

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!

In celebration of our 65th Anniversary, we have decided to feature a loyal and seasoned CRBG member, Joyce Freund, for your reading pleasure!

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!

CRBG Board of Directors’ Election ResultsCompass 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

Fun Facts: There are 65 Skittles in each bag. Fun Facts: 65% of people tilt their head to the right when they kiss someone.

BOARD OF ELEC TIONS

Ingredients:One (14.5 oz.) can diced tomatoes, undrainedOne (16 oz.) jar/can salsa or tomato sauceOne (14.5 oz.) can fat-free reduced sodium chicken brothOne cup quick barleyThree cups waterOne Tablespoon chili powderOne teaspoon ground cumin

Combine above ingredients, bring to a boil Simmer for 20 minutes

Add:One (15 oz.) can black beans, drained and rinsedOne (15 oz.) can corn, undrainedThree cups (about 1 ½ lbs.) cooked chicken breast, cut into bite-size piecesBring 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.

Joyce’s Chicken Barley Chili

D.C. Central Kitchen 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.

American 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 Heart Association to help fight against heart disease.

American Red Cross Since 2011, we have partnered with the American Red Cross to help save lives by hosting an annual blood drive.

OMS Run Since 2011, we have been a proud sponsor of the OMS 5k Run event at CIA.

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.

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.

Wounded Warriors We sponsored a team of five wounded warriors and CRBG staff participated in the 7th Annual Navy 5 Miler in Arlington, VA.

Anacostia Watershed Society (AWS)

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.

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.

Compass outreaCh

The mailing address for claims.

17.) The number you call for pre-certification, medical

claims and benefit inquiries.

For members with Medicare Part A as your primary payer, your inpatient pre-certification is waived.18.)

The number your provider calls for precertification,

claims, and benefit inquiries.

The number your provider calls for UnitedHealthcare

contract inquiries.

1.) The name of your health plan.

2.) A unique number that categorizes our entire member

population.

3.) The name of the Insured.

4.) A distinctive number assigned to you and your

covered family members. This number is essential

for accurate claims processing.

5.) The date your member ID card became effective.

6.) The lab provider for 100% covered outpatient

laboratory testing.

7.) Your nationwide Preferred Provider Organization

(PPO) network of providers, hospitals, and labs.

8.) An electronic number used by many providers to file

claims.

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.)

Your pharmacy manager/Express Scripts.

11.) The numbers your pharmacist will use to process

your prescriptions at a local pharmacy.

12.) An optional online tool to manage your ESI

Prescription Benefit Plan.

13.) The number your pharmacist calls for prescription

inquiries.

14.) The number you call for prescription inquiries.

15.) An electronic number used by many providers to

file claims.

16.)

15

16

17

18

Medical Claims Submission

Compass Rose Health PlanCompass Rose Health PlanCompass Rose Health PlanCompass Rose Health Plan

EDI: 50946EDI: 50946EDI: 50946EDI: 50946

Mail: Compass Rose Health PlanMail: Compass Rose Health PlanMail: Compass Rose Health PlanMail: Compass Rose Health Plan P.O. Box 141501 P.O. Box 141501 P.O. Box 141501 P.O. Box 141501 Nashville, TN 37214 Nashville, TN 37214 Nashville, TN 37214 Nashville, TN 37214

Possession of this card does notguarantee eligibility or coverage

Eligibility/Precertification

For full benefits to be consideredprecertification may be required.

Inpatient precertification is waived for:Medicare A Primary members and

admissions outside of the U.S.

Members:Members:Members:Members: Medical Claims and BenefitInquiries call: 877-531-1159877-531-1159877-531-1159877-531-1159

Providers:Providers:Providers:Providers: Precertification call: 877-531-1159877-531-1159877-531-1159877-531-1159 Medical Provider Inquiries please contact UnitedHealthcare Shared Services: 877-370-5324 877-370-5324 877-370-5324 877-370-5324 or www.uhis.comwww.uhis.comwww.uhis.comwww.uhis.com

1078 XX-78370001-CR

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6

How to Read Your Health Care CardBy 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.

Moved Recently? We Need to Hear From You!If you have recently changed your address, you can conveniently update your personal information:

• Online: Complete and submit the Change of Address Form by visiting www.compassrosebenefits.com/address.

• By Phone: Contact our Administrative Office by calling (866) 368-7227.

Reminder: If you change your address with your parent Agency or with the Office of Personnel Management (OPM), CRBG is not notified.

7

health Care NeWshealth Care NeWs

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:

Gym Memberships:

• Guaranteed lowest rates on full-access memberships, the same benefits as if you paid full retail price

• 10,000 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

• A range of membership options to fit your needs

Visit www.compassrosebenefits.com/GlobalFit for more details!

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.

Member PPO Network

Copay(s):Copay(s):Copay(s):Copay(s):Office Visit $15, Specialist $25,Urgent Care $50, Emergency Room $100Medicare Part B $0

Effective: 01/01/2013

Compass Rose Health Plan

Group #: 78370001Member: ENNIS XXXXXXMember ID: 307780124609

EDI: 50946

Pharmacy PlanRx Bin: 610014Rx Group: DFGFEHBID: 780124609

www.express-scripts.com/pharmacyFor Pharmacists: 800-922-1557

Members: 877-438-4449

A Federal Employees Health Benefits Plan

UnitedHealthcare Options PPO

1078

10

78 X

X-78

3700

01-C

RH

PPPO

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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.” – 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 memberswho participated in our first LIVE Online Chat with the President on November 30th! To read the entiretranscript from the chat, please visit www.compassrosebenefits.com/Transcript.

Fun Facts: There are 65 million dogs owned in U.S. Fun Facts: There are 65 speeding tickets issued EVERY MINUTE in the U.S.

16

18

19

17

Compass outreaCh

The mailing address for claims.

17.) The number you call for pre-certification, medical

claims and benefit inquiries.

For members with Medicare Part A as your primary payer, your inpatient pre-certification is waived.18.)

The number your provider calls for precertification,

claims, and benefit inquiries.

The number your provider calls for UnitedHealthcare

contract inquiries.

1.) The name of your health plan.

2.) A unique number that categorizes our entire member

population.

3.) The name of the Insured.

4.) A distinctive number assigned to you and your

covered family members. This number is essential

for accurate claims processing.

5.) The date your member ID card became effective.

6.) The lab provider for 100% covered outpatient

laboratory testing.

7.) Your nationwide Preferred Provider Organization

(PPO) network of providers, hospitals, and labs.

8.) An electronic number used by many providers to file

claims.

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.)

Your pharmacy manager/Express Scripts.

11.) The numbers your pharmacist will use to process

your prescriptions at a local pharmacy.

12.) An optional online tool to manage your ESI

Prescription Benefit Plan.

13.) The number your pharmacist calls for prescription

inquiries.

14.) The number you call for prescription inquiries.

15.) An electronic number used by many providers to

file claims.

16.)

15

16

17

18

Medical Claims Submission

Compass Rose Health PlanCompass Rose Health PlanCompass Rose Health PlanCompass Rose Health Plan

EDI: 50946EDI: 50946EDI: 50946EDI: 50946

Mail: Compass Rose Health PlanMail: Compass Rose Health PlanMail: Compass Rose Health PlanMail: Compass Rose Health Plan P.O. Box 141501 P.O. Box 141501 P.O. Box 141501 P.O. Box 141501 Nashville, TN 37214 Nashville, TN 37214 Nashville, TN 37214 Nashville, TN 37214

Possession of this card does notguarantee eligibility or coverage

Eligibility/Precertification

For full benefits to be consideredprecertification may be required.

Inpatient precertification is waived for:Medicare A Primary members and

admissions outside of the U.S.

Members:Members:Members:Members: Medical Claims and BenefitInquiries call: 877-531-1159877-531-1159877-531-1159877-531-1159

Providers:Providers:Providers:Providers: Precertification call: 877-531-1159877-531-1159877-531-1159877-531-1159 Medical Provider Inquiries please contact UnitedHealthcare Shared Services: 877-370-5324 877-370-5324 877-370-5324 877-370-5324 or www.uhis.comwww.uhis.comwww.uhis.comwww.uhis.com

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How to Read Your Health Care CardBy 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.

Moved Recently? We Need to Hear From You!If you have recently changed your address, you can conveniently update your personal information:

• Online: Complete and submit the Change of Address Form by visiting www.compassrosebenefits.com/address.

• By Phone: Contact our Administrative Office by calling (866) 368-7227.

Reminder: If you change your address with your parent Agency or with the Office of Personnel Management (OPM), CRBG is not notified.

7

health Care NeWshealth Care NeWs

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:

Gym Memberships:

• Guaranteed lowest rates on full-access memberships, the same benefits as if you paid full retail price

• 10,000 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

• A range of membership options to fit your needs

Visit www.compassrosebenefits.com/GlobalFit for more details!

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.

Member PPO Network

Copay(s):Copay(s):Copay(s):Copay(s):Office Visit $15, Specialist $25,Urgent Care $50, Emergency Room $100Medicare Part B $0

Effective: 01/01/2013

Compass Rose Health Plan

Group #: 78370001Member: ENNIS XXXXXXMember ID: 307780124609

EDI: 50946

Pharmacy PlanRx Bin: 610014Rx Group: DFGFEHBID: 780124609

www.express-scripts.com/pharmacyFor Pharmacists: 800-922-1557

Members: 877-438-4449

A Federal Employees Health Benefits Plan

UnitedHealthcare Options PPO

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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.” – 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 memberswho participated in our first LIVE Online Chat with the President on November 30th! To read the entiretranscript from the chat, please visit www.compassrosebenefits.com/Transcript.

Fun Facts: There are 65 million dogs owned in U.S. Fun Facts: There are 65 speeding tickets issued EVERY MINUTE in the U.S.

16

18

19

17

TRUEOR

FALSE

98

You’ve Got MailTo request an electronic copy of all future newsletters by e-mail, visit www.compassrosebenefits.com/ECompass.

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.

health Care NeWs year of the retirees

Medicare Quiz1. After you turn 65, Medicare automatically becomes the primary payer—regardless of your employment status as a

Federal employee.

o True

o false

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 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.

Fun Facts: On average, the number of apps per iPhone is 65. Fun Facts: Twitter users generate an estimated 65 million tweets a day.

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 News for 2013!Conveniently manage your Rx’s Online: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.

Rx Co-pays for non-Medicare members:

For more information on your prescription drug plan, please visit www.compassrosebenefits.com.

TRUEOR

FALSE

98

You’ve Got MailTo request an electronic copy of all future newsletters by e-mail, visit www.compassrosebenefits.com/ECompass.

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.

health Care NeWs year of the retirees

Medicare Quiz1. After you turn 65, Medicare automatically becomes the primary payer—regardless of your employment status as a

Federal employee.

o True

o false

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 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.

Fun Facts: On average, the number of apps per iPhone is 65. Fun Facts: Twitter users generate an estimated 65 million tweets a day.

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 News for 2013!Conveniently manage your Rx’s Online: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.

Rx Co-pays for non-Medicare members:

For more information on your prescription drug plan, please visit www.compassrosebenefits.com.

Compass outreaCh

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

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

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).

10

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!

DeNtal aDvaNCes health tips

Feeling SAD and Blue This Winter?

Celebrating YOU!

11

• Peanut butter

• Prewashed veggies

• Fruit

• Whole grain crackers and bread

• Deli turkey

• Cottage cheese

Fun Facts: On average, a person eats 65 apples in their lifetime. Fun Facts: The longest recorded bout of hiccups lasted for 65 years.

ADVANCES IN DENTAL TECHNOLOGYIn 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.

Article written and provided by Dr. Sandhya Pal with Pal Family Dentistry .

Compass outreaCh

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

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

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).

10

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!

DeNtal aDvaNCes health tips

Feeling SAD and Blue This Winter?

Celebrating YOU!

11

• Peanut butter

• Prewashed veggies

• Fruit

• Whole grain crackers and bread

• Deli turkey

• Cottage cheese

Fun Facts: On average, a person eats 65 apples in their lifetime. Fun Facts: The longest recorded bout of hiccups lasted for 65 years.

ADVANCES IN DENTAL TECHNOLOGYIn 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.

Article written and provided by Dr. Sandhya Pal with Pal Family Dentistry .

Compass outreaCh

12 13

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.

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.

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.

speCialty proDuCtsspeCialty proDuCts

PROFESSIONAL LIABILITY INSURANCEEver 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 employment-related 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.

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.

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.

DID YOU KNOW an identity is stolen every 3 seconds?

The national average for HouRLY costs of a lawyer caN be aNYWhere FrOm $200-$400.

Fun Facts: In the U.S. there are over 65.8 million cats.

TruTravelAs 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.

Life InsuranceMarried

Buying a new home?

Planning for Retirement?

Changing Jobs

Starting a family

Income Protection

Lega

cy

Relief

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

Compass outreaCh

12 13

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.

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.

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.

speCialty proDuCtsspeCialty proDuCts

PROFESSIONAL LIABILITY INSURANCEEver 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 employment-related 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.

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.

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.

DID YOU KNOW an identity is stolen every 3 seconds?

The national average for HouRLY costs of a lawyer caN be aNYWhere FrOm $200-$400.

Fun Facts: In the U.S. there are over 65.8 million cats.

TruTravelAs 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.

Life InsuranceMarried

Buying a new home?

Planning for Retirement?

Changing Jobs

Starting a family

Income Protection

Lega

cy

Relief

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

Compass outreaCh

14 15

NatioNal youNG aDult CaNCer aWareNess Week

MyelomaMyeloma 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.

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.

SOURCE: Leukemia and Lymphoma Society Facts 2012

No One is InvincibleEach 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.

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.

approximately every 4 minutes1 person is diagnosed with a blood cancer,

while every 10 minutes 1 person dies from a blood cancer.

This april 3rd through 9th, we inviTe you to join crbG

in observance of national young Adult Cancer Awareness week..

65% of American adolescents get acne.

LeukemiaToday, 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.

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.

LymphomaLymphoma 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.

Compass outreaCh

14 15

NatioNal youNG aDult CaNCer aWareNess Week

MyelomaMyeloma 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.

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.

SOURCE: Leukemia and Lymphoma Society Facts 2012

No One is InvincibleEach 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.

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.

approximately every 4 minutes1 person is diagnosed with a blood cancer,

while every 10 minutes 1 person dies from a blood cancer.

This april 3rd through 9th, we inviTe you to join crbG

in observance of national young Adult Cancer Awareness week..

65% of American adolescents get acne.

LeukemiaToday, 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.

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.

LymphomaLymphoma 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.

Compass outreaCh Compass outreaCh

Thank you for the trust you have placed in our organization, and

for helping us celebrate a milestone in our history.

Compass outreaCh

serviCe. stabil i ty . 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

65 years!

WiNter/spriNG 2013

serviCe. stabil i ty . seCurity.

WiNter/spriNG 2013

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.

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

Compass Rose Proudly Celebrates 65 Years of Service

Compass Rose Contact Information:

Claims/InforMed Compass Rose Health Plan (877) 531-1159 P.O. Box 141501 Nashville, TN 37214

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 (800) 290-0523 7400 Gaylord Parkway www.careington.com Frisco, TX 75034 Identify yourself as a DiversifiedFederalGroup(DFG)member

Compass Rose Benefits Group Compass Rose Benefits Group (866) 368-7227 1768 Business Center Dr., Suite 3500 askCRBG@compassrosebenefits.com Reston, VA 20190 www.compassrosebenefits.com www.compassrosebenefits.com/Feedback

Social Networks www.twitter.com/CRBGinsurance www.facebook.com/CRBGinsurance

Compass CoNNeCtioNJoin us as we

celebrate 65 years! For details on how to win a $65 Visa

gift card turn to page 11!

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iNsiDe this issue:Member Appreciation .. 2-3

Giving Back ..................... 4

A Loyal CRBG Member ... 5

Health Care News ....... 6-8

Year of the Retirees ........ 9

Dental Advances ......... 10

Health Tips ..................... 11

Specialty Products .. 12-13

Cancer Awareness . . 14-15