Health & Insurance
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
For plan year 2024
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
For Plan Year 2024
- 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 - CVS Preventive Medication List - 2023
- CVS Prescription Drug Coverage Details - 2024
- CVS Prescription Specialty Drug Coverage Details - 2024
- 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
Summaries of Benefits & Coverage
For plan year 2025
For plan year 2024
- High Deductible- Out of Area
- High Deductible - In Area
- Low Deductible - In Area - EE + Spouse or DP
- Cigna Actives & Retirees
- Low Deductible - In Area - EE Only and EE+Fam
- Low Deductible- Out of Area - EE + Spouse or DP
- Low Deductible - Out of Area - EE Only and EE+Fam
Cigna - International Medical and Dental Plan
Access to this plan is limited to eligible participants only
For plan year 2025
For plan year 2024
Appendix A Information
For Plan Year 2025
- Appendix A for: Option 1 Low Deductible Plan
- Appendix A for: Option 2 High Deductible Plan
- Appendix A for: Blue Care Network (Midland/Tri-Cities Michigan) Self-Funded Plan
- Appendix A for: Cigna Self-Funded HMO
For Plan Year 2024
- Appendix A for: Option 1 Low Deductible Plan
- Appendix A for: Option 2 High Deductible Plan
- Appendix A for: Blue Care Network (Midland/Tri-Cities Michigan) Self-Funded Plan
- Appendix A for: Cigna Self-Funded HMO
COBRA
For plan year 2025
For plan year 2024
Forms
- Aetna Medical Claims
- Aetna Transition of Care Form
- FSA Inspira Reimbursement Form
- HCFSA/DCFSA/HSA Final Pay Deduction Request Form
- Health & Welfare Eligibility Claim Form
- Statement of Domestic Partner Relationship
- Documentation Needed for Dependent Eligibility
- Life Insurance Beneficiary Form
- Life Insurance Online Beneficiary Election Instructions
Resources
Costs & Coverage
For plan year 2025
For plan year 2024
Summaries of Benefits & Coverage
For plan year 2025
For plan year 2024
Plan Information
For Plan Year 2025
For plan year 2024
- 2024 Aetna DMO Benefit Summary
- 2024 Delta Dental Benefits Summary
- 2024 Cigna DHMO Certificate
- 2024 Cigna DHMO Rider
COBRA
For plan year 2025
For plan year 2024
Forms
Contacts
Delta Dental (Basic Plus and PPO High)
- Member Services: 800-524-0149
- Website: www.deltadentalmi.com
- App: Apple App Store | Google Play
Aetna Dental (DMO)
- Phone: 877-238-6200
- Website: www.aetna.com
- Aetna Health app: Apple App Store | Google Play
Cigna Dental Health (DMO)
- Phone: 800-244-6224
- Website: www.cigna.com
- App: Apple App Store | Google Play
Cost & Coverage
For Plan Year 2025
For plan year 2024
Contacts
Cigna Vision
- Phone: 877-478-7557
- Website: http://www.myCigna.com
VSP Vision
- Phone: 800-877-7195
- Website: http://dow.vspforme.com
- App: Apple App Store | Google Play
Life Insurance
Life Insurance Extras
- Dignity Funeral Planning provides information on funeral discounts and planning services available through MetLife Advantages ‐ at no additional cost to you.
- Funeral Planning Guide provides an easy-to-use format for documenting information your survivors will need upon your death
- Grief Counseling 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.
Accident Insurance
Forms
Long Term Disability
Group Legal Plan
The Group Legal Plan provides personal legal services for eligible Employees, their Spouses and Dependent Children.
RHCAP
Summary Plan Descriptions
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 Fund – 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 Fund - 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%