Dow continues to absorb the majority of the costs for health care and is committed to offering competitive benefits that are sustainable for both employees and the company. Both you and Dow benefit when we succeed in keeping costs under control. Read more about health care costs, what Dow is doing and actions you can take to make a difference.

Medical

When it comes to medical, Dow has you covered. You have several options so you can choose what’s best for you and your family. Low Deductible Medical Plan ― This plan uses a pay up-front approach. You pay higher premiums, but your costs are generally lower when you receive care. High Deductible Medical Plan ―Think of this plan as a pay as you go option. You pay less in premiums, so more of your money stays with you until you need care. Also, this is the only option that offers access to the Health Savings Account (HSA), allowing you to save tax-free for your current and future needs. Health Maintenance Organizations (HMOs) ― These plans (where available) offer a coordinated care approach. You choose a primary care provider, who you receive most of your care from, and may need a referral to see others.

As part of our Total Rewards offerings, Dow offers financial assistance to qualifying U.S. employees through a Healthcare Assistance Program. Read more.

Dow continues to absorb the majority of the costs for health care and is committed to offering competitive benefits that are sustainable for both employees and the company. Both you and Dow benefit when we succeed in keeping costs under control. Read more about health care costs, what Dow is doing and actions you can take to make a difference.

Make your choice

Other considerations

  • Review the 2025 cost and coverage summaries:
  • Low and High Deductible Plans
  • HMOs
  • See how the Low and High Deductible Plans are alike and different.
  • Understand how HMOs work.
  • Consider the most you would need to pay for covered services in a year under each option, called the out-of-pocket maximum.
  • Take a look at how costs compare under three real-life scenarios. Meet Joan, Mike and Makenzie.
  • Review contribution and coverage details through the Dow U.S. Benefits Site.
  • Select coverage that works best for you and your family ― learn about tiers and eligibility.

Action required: Spouse/domestic partner verification

You must complete an annual verification to maintain Dow coverage for a spouse or domestic partner who isn't eligible for Medicare. If you do not take action, your spouse or domestic partner will lose coverage. The Dow U.S. Benefits Site will walk you through the verification process when you enroll (even if you want to keep the same benefit elections). Learn more.

Your insurer may require additional Coordination of Benefits (COB) information/verification each year for a spouse/domestic partner who is not yet eligible for Medicare. You must complete this additional step directly with the insurer, if required. Otherwise, the insurer may not process and pay your claims.

  • Premiums, coinsurance, copayments and more ― learn about the ways you pay for health care.
  • You can save money by being tobacco free ― find out how.
  • Make the most of your prescription drug benefits through CVS under the Low and High Deductible Medical Plans. Learn more about CVS prescription drug coverage.
  • You now have access to family-building and menopause support through Maven if you're enrolled in an Aetna medical plan. Learn more and activate your Maven membership.
  • Staying on top of your health and wellbeing can help you avoid costly medical expenses down the road. Visit the Dow Wellbeing Portal for tools and resources to help you manage your wellbeing.
  • Making good choices for your health, using your benefits effectively and managing your health risks can help keep your costs in check. And don't forget you have options to get virtual care anytime, anywhere. Use your coverage wisely and consider taking advantage of a Dow Family Health Center.
  • If you participated in the RHCAP while working at Dow, you can use it to help cover eligible Dow and non-Dow medical premiums (including premiums for Medicare Part B and standalone Medicare Part D plans) in retirement. Learn more about RHCAP.

Aetna Teladoc: Get the care you need, when and where you need it

If you're enrolled in an Aetna medical plan, you can get the care you need from the convenience and comfort of your own home ― without the long drive to the doctor's office or sitting in a waiting room. So whether you live in a rural geography that makes it difficult to seek the care you need or you prefer the convenience of seeing a doctor from your own home, Aetna's Teladoc service provides 24/7 access to board-certified providers for non-emergency medical needs, from allergies and sinus infections to the flu, pink eye and more. Learn more.

Patients of the Mayo Clinic: Please note that as you approach age 65 and Medicare eligibility, the Mayo Clinic does not accept patients with Medicare Advantage Plans, which includes the Aetna Medicare Advantage Plans offered through Dow. For questions regarding plan coverage, please contact Aetna at (888) 488-4488.

Other considerations

  • Premiums, coinsurance, copayments and more ― learn about the ways you pay for health care.
  • You can save money by being tobacco free ― find out how.
  • Make the most of your prescription drug benefits through CVS under the Low and High Deductible Medical Plans. Learn more about CVS prescription drug coverage.
  • You now have access to family-building and menopause support through Maven if you're enrolled in an Aetna medical plan. Learn more and activate your Maven membership.
  • Staying on top of your health and wellbeing can help you avoid costly medical expenses down the road. Visit the Dow Wellbeing Portal for tools and resources to help you manage your wellbeing.
  • Making good choices for your health, using your benefits effectively and managing your health risks can help keep your costs in check. And don't forget you have options to get virtual care anytime, anywhere. Use your coverage wisely and consider taking advantage of a Dow Family Health Center.
  • If you participated in the RHCAP while working at Dow, you can use it to help cover eligible Dow and non-Dow medical premiums (including premiums for Medicare Part B and standalone Medicare Part D plans) in retirement. Learn more about RHCAP.

Aetna Teladoc: Get the care you need, when and where you need it

If you're enrolled in an Aetna medical plan, you can get the care you need from the convenience and comfort of your own home ― without the long drive to the doctor's office or sitting in a waiting room. So whether you live in a rural geography that makes it difficult to seek the care you need or you prefer the convenience of seeing a doctor from your own home, Aetna's Teladoc service provides 24/7 access to board-certified providers for non-emergency medical needs, from allergies and sinus infections to the flu, pink eye and more. Learn more.

Patients of the Mayo Clinic: Please note that as you approach age 65 and Medicare eligibility, the Mayo Clinic does not accept patients with Medicare Advantage Plans, which includes the Aetna Medicare Advantage Plans offered through Dow. For questions regarding plan coverage, please contact Aetna at (888) 488-4488.