Balanced, affordable coverage with upfront value
HealthPartners Compass gives you and your family bang for your buck, with four copay office visits and unlimited free visits to virtuwell® before your deductible each year. Compass members have access to our new Member Assistance Program (MAP) which helps with everything from finding child and elder care to assisting with personal concerns such as stress management and legal issues.
Plan details:
- For a quick and simple look at the plan, check out the Compass Overview and Summary of Benefits.
- If you want detail on all the additional plan benefits, like our health and wellness discounts and online tools once you’re a member, download the full 12-page Compass Brochure.
Want an easy way to find out your rates for this plan? We’ll do the math for you. Click “Price Compass” at right, enter your information, and you’ll get a list of personalized monthly premium options based on the current rates. It’s easy to apply online.
Otherwise, you can also download the Compass Rate Guide to figure out your rate:
- Area 1 Rate Guide (Twin Cities Metro, central and northeastern Minnesota)
- Area 2 Rate Guide (Rochester area counties)
- Area 3 Rate Guide (Duluth area and other greater Minnesota counties)
What should I know before I apply for Compass?
- You must be age 19 to 64 to be a policyholder on this plan.
- You must be a resident of Minnesota.
- This plan is for individuals and families, so dependents can be covered on this plan.
| Monthly premium | Starts at $53 per person |
|---|---|
| Deductible options (for both 80% and 100% plans) |
Per Person/Per Family
|
| Preventive care | You pay nothing. |
| Office visits and convenience care | You pay $10 to $50 copay for the first four office or convenience care visits per year, then you pay 20 percent or nothing after the deductible is met. |
| virtuwell® 24/7 online clinic | Unlimited free visits. |
| Emergency care | You pay $250 copay for your first emergency visit per year, then you pay 20 percent or nothing after the deductible is met. |
| Hospitalization | You pay 20 percent or nothing after your deductible is met. |
| Prescription drugs | You can choose Option 1 for generic drug coverage, or Option 2 for generic and brand drug coverage. See below. |
| Behavioral health (mental health and chemical dependency) | This plan automatically includes behavioral health coverage, but you can choose to exclude these services from your plan. If you choose to do so, opting out would reduce your monthly premiums. |
Where can I get care?
With HealthPartners, you can choose from more than 700,000 doctors and other care providers, and 5,800 hospitals throughout the United States. Plus, you’re covered when you travel in the United States. You can see any specialist in the network, with no referrals needed.
Have a favorite doctor or hospital? See if they’re covered in our Individual Open Access Network.
What are my prescription drug options?
With Compass, you can choose the level of drug coverage you and your family want:
- Option 1: Generic coverage only. You pay $10 for generics and 100% for brand drugs at HealthPartners discounted rate. Your costs do not accumulate to the deductible or out-of-pocket maximum.
- Option 2: Generic and brand coverage. You pay 20% or nothing (depending on your plan) for all generic and brand drugs after the deductible is met.
Visit healthpartners.com/formulary and click on “Search GenericsPlusRx” to see what drugs are covered.
What is virtuwell?
Compass offers unlimited free visits to virtuwell for each of your family members. virtuwell is a simple, convenient tool that allows you to solve 30 everyday medical conditions such as colds, coughs, ear pain, pink eye or urinary tract infections without leaving your home.
The service features 24/7 online access to nurse practitioners, available from any computer, with no appointment necessary. After a quick online interview, you receive a personalized diagnosis, a treatment plan and, if needed, a prescription sent to the pharmacy of your choice. Satisfaction is guaranteed!
What is the Member Assistance Program?
Whether you need help with your personal life or are having issues at work, the Member Assistance Program (MAP) is here for you and your family. Once you’re a member, you can call a MAP counselor 24/7 for help on everything from marital issues and financial concerns to parenting and grief or loss. Counselors can also help you find community resources for things like child care and elder care.
Once you become a Compass member, you will get more information on how to access MAP.