Health & Insurance

• Medical, Dental, Vision and Reimbursement Account Benefitsopens in a new tab
• Life, Disability and other Group Insurance Benefitsopens in a new tab
• Cigna - International Medical and Dental Planopens in a new tab
• Summary of Material Modifications – End of COVID-19 Emergenciesopens in a new tab

New medical plan names, same great coverage. We’ve simplified the names of our two core plans available through Aetna:

•  MAP Plus Option 1 is now Low Deductible Medical Plan
•  MAP Plus Option 2 is now High Deductible Medical Plan

While the names have changed, what’s covered remains the same.

Costs & Coverage

To help you make an informed choice, review the charts below outlining the cost and coverage of the medical plans offered to Dow employees and eligible family members.

For plan year 2025

• Low and High Deductible
• HMOs

Pharmacy

For Plan Year 2025

• CVS Caremark – Login to refill medication, get cost information, coverage and plan details or call 1-800-552-8159 to contact the Customer Care Team
  
• Pharmacy Benefits at a Glance - High Deductible Family
• Pharmacy Benefits at a Glance - High Deductible Individual
• Pharmacy Benefits at a Glance - High Deductible Out of Area Family
• Pharmacy Benefits at a Glance - High Deductible Out of Area Individual
• Pharmacy Benefits at a Glance - Low Deductible
• CVS Preventive Medication List - 2025
• CVS Prescription Drug Coverage Details - 2025
• CVS Prescription Specialty Drug Coverage Details - 2025
• Cigna Prescription Drug Formulary - 2025opens in a new tab 

Summaries of Benefits & Coverage

For plan year 2025

• High Deductible- Out of Areaopens in a new tab
• High Deductible - In Areaopens in a new tab
• Low Deductible - In Area - EE + Spouse or DPopens in a new tab
• Cigna Actives & Retireesopens in a new tab
• Low Deductible - In Area - EE Only and EE+Famopens in a new tab
• Low Deductible- Out of Area - EE + Spouse or DPopens in a new tab
• Low Deductible - Out of Area - EE Only and EE+Famopens in a new tab
• Blue Care Network of Michigan

Costs & Coverage

For plan year 2025

• Dental Summaries

Summaries of Benefits & Coverage

For plan year 2025

• Cigna DMO – Summary of Dental Benefits and Coverage Disclosure

Plan Information

For Plan Year 2025

• 2025 Delta Dental Benefits Summary
• 2025 Aetna DMO Benefit Summary

COBRA

For plan year 2025

• Dental Plan

Forms

• Aetna Claim Form - Dentalopens in a new tab
• Health & Welfare Eligibility Claim Formopens in a new tab

Contacts

Delta Dental (Basic Plus and PPO High)

• Member Services: 800-524-0149
• Website: www.deltadentalmi.comopens in a new tab
• App: Apple App Storeopens in a new tab | Google Playopens in a new tab

Aetna Dental (DMO)

• Phone: 877-238-6200
• Website: www.aetna.comopens in a new tab
• Aetna Health app: Apple App Storeopens in a new tab | Google Playopens in a new tab

Cigna Dental Health (DMO)

• Phone: 800-244-6224
• Website: www.cigna.comopens in a new tab
• App: Apple App Storeopens in a new tab | Google Playopens in a new tab

Cost & Coverage

For Plan Year 2025

• Cigna Vision (if enrolled in Cigna Medical)
• VSP Vision

Contacts

Cigna Vision

• Phone: 877-478-7557
• Website: http://www.myCigna.comopens in a new tab

VSP Vision

• Phone: 800-877-7195
• Website: http://dow.vspforme.comopens in a new tab
• App: Apple App Storeopens in a new tab | Google Playopens in a new tab

Life Insurance

• Life Insurance Plansopens in a new tab

Life Insurance Extras

• Dignity Funeral Planningopens in a new tab provides information on funeral discounts and planning services available through MetLife Advantages ‐ at no additional cost to you.
• Funeral Planning Guideopens in a new tab provides an easy-to-use format for documenting information your survivors will need upon your death
• Grief Counselingopens in a new tab can provide you, your dependents or beneficiaries with support, comfort, tools and services to help get back to a productive life after experiencing any major loss

Will Preparation and Estate Resolution Services

Employees who are enrolled in Employee-Paid Life Insurance can prepare or update a standard will for little or no cost, and probate assistance is available for their estate.

• Estate Resolution Services FAQopens in a new tab
• Digital Estate Planningopens in a new tab
• Will Prep FAQopens in a new tab

Accident Insurance

• Accident Insurance Plansopens in a new tab

Forms

• VGA (AD&D) Conversion Formopens in a new tab
• COLI Incentive Beneficiary Formopens in a new tab

Long Term Disability

• Long Term Disability Planopens in a new tab

Group Legal Plan

The Group Legal Plan provides personal legal services for eligible Employees, their Spouses and Dependent Children.

• Group Legal Plan FAQopens in a new tab

RHCAP

Summary Plan Descriptions

• RHCAP - Summary Plan Description (SPD)opens in a new tab

RHCAP Fund Performance

RHCAP Plan assets are invested in two institutional funds provided by Northern Trust. The default election invests 60% of the assets in an equity fund and 40% in a fixed-income fund. Additionally, a secondary option is available which allocates 20% of the assets to an equity fund and 80% in a fixed-income fund. The assets are invested in the following funds:

Northern Trust U.S. Investable Market Index Fundopens in a new tab – The market index fund employs a "passive management" or indexing investment approach. The primary objective of the market index fund is to approximate the risk and return characteristics of the Morgan Stanley U.S. Investable Market Index. This index is commonly used to represent the broad U.S. equity market. To achieve its objective, the fund employs a replication technique which generally seeks to hold each index constituent in its proportional index weight.

Northern Trust Aggregate Bond Index Fundopens in a new tab - The bond index fund employs a "passive management" or indexing investment approach. The primary objective of the bond index fund is to hold a portfolio representative of the overall U.S. bond and debt market, as characterized by the Barclays Capital Aggregate Index. The bond index fund provides the desired exposure using quantitative techniques which maintain the portfolios neutrality to the index by monitoring a broad range of factors while limiting exposure to liquid securities and excessive transaction costs.

The investment goal of the RHCAP fund is to provide one option (60% equity / 40% fixed income (default)) which aims to deliver growth of capital and low to moderate level of current income and a second option (20% equity / 80% fixed-income) which aims to deliver a low level of growth of capital and a moderate to high level of current income. The investments are subject to the volatility of the financial markets and there may be periods during which the returns are or could be negative.

IMPORTANT!

Choosing to move to the 20/80 fund is a permanent and irrevocable election.

You cannot change back to the 60/40 fund in the future.

RHCAP Annual Portfolio Returns*

As of August 31, 2024

20% Equity/ 80% Fixed Income Portfolio

• 2023 return: 10.86%
• 2022 return: -14.55%
• 3-year annualized return: -0.26%
• 5-year annualized return: 2.97%
  

60% Equity/ 40% Fixed Income Portfolio

• 2023 return: 18.34%
• 2022 return: -16.59%
• 3-year annualized return: 3.96%
• 5-year annualized return: 9.2%