Medical coverage options
Making the right health care choices for yourself and your family is important. This includes selecting the plan that works best for you when you enroll. Remember to consider both your contributions (the amount you pay for coverage) and your out-of-pocket costs when you receive care. Start by reviewing the summary information below. Then use the online tools available through the Dow U.S. Benefits Site to compare options based on your personal situation.
In-network medical benefits
The summary below covers in-network benefits, which are generally the most cost-effective way to receive care. Note that the Low and High Deductible Plans also provide benefits for out-of-network services, offering additional flexibility.
Coverage option
High Deductible Medical Plan (Aetna)
Low Deductible Medical Plan (Aetna)
Blue Care Network of Michigan
Cigna HMO National
Availability
Nationwide
Nationwide
Michigan
Illinois, Ohio, New Jersey, Texas
Health Savings Account (HSA) eligible (save and pay for eligible expenses tax free ― learn more)
Yes
No
No
No
What you pay for care
Preventive care
◄ Covered 100% when you use in-network providers (no deductible) ►
Office visit copays (no deductible)
N/A (deductible and coinsurance apply)
Primary care: $20
Specialist: $50
Dow Family Health Center: $10
Primary care: $15
Specialist: $30
Dow Family Health Center: $10
Primary care: $20
Specialist: $35
Dow Family Health Center: $10
Telemedicine
$56 consult fee
$20 copay
Same as office visit copays
Same as office visit copays
Deductible
Individual: $2,000
Family: $4,000 (max of $3,400 for one person)
Individual: $125
Family: $250 (EE+1) ― $375 (EE+2 or more)
None
Individual: $250
Family: $500
Coinsurance (after deductible)
You pay 20%
You pay 15%
N/A
You pay 10%
Out-of-pocket maximum (includes deductible)
Individual: $4,000
Family: $8,000
Individual: 4% of base salary up to max of $10,600
Family: 8% of base salary up to max of $21,200
Individual: $6,450
Family: $12,900
Individual: $3,000
Family: $6,000
Additional details (including other benefits such as maternity, hospital, mental health and substance use, as well as out-of-network coverage, if applicable)
Review detailed carrier summary [SBCs to come]
High Deductible Medical Plan
Low Deductible Medical Plan
Blue Care Network of Michigan
Cigna HMO National
Contact information and apps
High Deductible Medical Plan (Aetna)
- Availability: Nationwide
- Contribution amount (see details): $
- Health Savings Account (HSA) eligible (save and pay for eligible expenses tax free ― learn more): Yes
What you pay for care
- Preventive care: Covered 100% when you use in-network providers (no deductible)
- Office visit copays (no deductible): N/A (deductible and coinsurance apply)
- Telemedicine: $56 consult fee
- Deductible: Individual: $2,000 | Family: $4,000 (max of $3,400 for one person)
- Coinsurance (after deductible): You pay 20%
- Out-of-pocket maximum (includes deductible): Individual: $4,000 | Family: $8,000
Additional details (including other benefits such as maternity, hospital, mental health and substance use, as well as out-of-network coverage, if applicable)
- Review detailed carrier summary: High Deductible Medical Plan
- Contact information and apps: aetna.com | (888) 488-4488 | Apple App Store | Google Play
Low Deductible Medical Plan (Aetna)
- Availability: Nationwide
- Contribution amount (see details): $$
- Health Savings Account (HSA) eligible (save and pay for eligible expenses tax free ― learn more): No
What you pay for care
- Preventive care: Covered 100% when you use in-network providers (no deductible)
- Office visit copays (no deductible): Primary care: $20 | Specialist: $50 | Dow Family Health Center: $10
- Telemedicine: $20 copay
- Deductible: Individual: $125 | Family: $250 (EE+1) ― $375 (EE+2 or more)
- Coinsurance (after deductible): You pay 15%
- Out-of-pocket maximum (includes deductible): Individual: 4% of base salary up to max of $10,600 | Family: 8% of base salary up to max of $21,200
Additional details (including other benefits such as maternity, hospital, mental health and substance use, as well as out-of-network coverage, if applicable)
- Review detailed carrier summary: Low Deductible Medical Plan
- Contact information and apps: aetna.com | (888) 488-4488 | Apple App Store | Google Play
Blue Care Network of Michigan
- Availability: Michigan
- Contribution amount (see details): $
- Health Savings Account (HSA) eligible (save and pay for eligible expenses tax free ― learn more): No
What you pay for care
- Preventive care: Covered 100% when you use in-network providers (no deductible)
- Office visit copays (no deductible): Primary care: $15 | Specialist: $30 | Dow Family Health Center: $10
- Telemedicine: Same as office visit copays
- Deductible: None
- Coinsurance (after deductible): N/A
- Out-of-pocket maximum (includes deductible): Individual: $6,450 | Family: $12,900
Additional details (including other benefits such as maternity, hospital, mental health and substance use, as well as out-of-network coverage, if applicable)
- Review detailed carrier summary: Blue Care Network
- Contact information and apps: bcbsm.com | (800) 662-6667 | Apple App Store | Google Play
Cigna HMO National
- Availability: Illinois, Ohio, New Jersey, Texas
- Contribution amount (see details): $$
- Health Savings Account (HSA) eligible (save and pay for eligible expenses tax free ― learn more): No
What you pay for care
- Preventive care: Covered 100% when you use in-network providers (no deductible)
- Office visit copays (no deductible): Primary care: $20 | Specialist: $35 | Dow Family Health Center: $10
- Telemedicine: Same as office visit copays
- Deductible: Individual: $250 | Family: $500
- Coinsurance (after deductible): You pay 10%
- Out-of-pocket maximum (includes deductible): Individual: $3,000 | Family: $6,000
Additional details (including other benefits such as maternity, hospital, mental health and substance use, as well as out-of-network coverage, if applicable)
- Review detailed carrier summary: Cigna HMO National
- Contact information and apps: cigna.com | (800) 244-6224 | Apple App Store | Google Play
Prescription drug coverage
All of the medical plans include coverage for prescription medications. To help you save money, remember that generic drugs typically cost significantly less than brand-name medications while offering the same effectiveness. Additionally, using mail-order pharmacy services for maintenance medications can often lead to further savings and added convenience.
Coverage option
High Deductible Medical Plan (Aetna)
Low Deductible Medical Plan (Aetna)
Blue Care Network of Michigan
Cigna HMO National
What you pay for prescriptions
Deductible
Combined with medical deductible*
Individual: $125
Family: $200 (EE+1) ― $300 (EE+2 or more)
None
None
Retail (30-day supply)
Generic
You pay 20% after deductible*
You pay 20% after deductible**
You pay $10
You pay greater of $7 or 20% (up to $100 max)
Preferred brand name on formulary
You pay 20% after deductible*
You pay 20% after deductible**
You pay $20
You pay greater of $30 or 30% (up to $100 max)
Non-preferred brand name
You pay 20% after deductible*
You pay $30% after deductible**
Not covered
You pay greater of $50 or 40% (up to $100 max)
Dow Family Health Center (certain available and covered prescriptions only)
You pay $2 after deductible*
You pay $2**
You pay $2
You pay $2
Mail order
Generic
You pay 20% after deductible*
You pay 20% (no deductible)**
You pay $20
You pay greater of $16 or 20% (up to $200 max)
Preferred brand name on formulary
You pay 20% after deductible*
You pay 20% (no deductible)**
You pay $40
You pay greater of $85 or 30% (up to $200 max)
Non-preferred brand name
You pay 20% after deductible*
You pay 30% (no deductible)**
Not covered
You pay greater of $145 or 40% (up to $200 max)
* You pay 20% with no deductible for certain preventive medications. If a generic drug is available, you are responsible for the generic coinsurance plus the difference in cost between the brand-name and generic drug, plus any deductible. Certain drugs require pre-certification and/or step therapy.
** If a generic drug is available, you are responsible for the generic coinsurance plus the difference in cost between the brand-name and generic drug, plus any deductible. After an initial retail prescription and two refills, coinsurance will go up to 50% unless you use mail order. This does not apply to your out-of-pocket maximum. Certain drugs require pre-certification and/or step therapy. Specialty drug cost sharing differs.
High Deductible Medical Plan (Aetna)
What you pay for prescriptions
- Deductible: Combined with medical deductible*
- Retail (30-day supply):
- Generic: You pay 20% after deductible*
- Preferred brand name on formulary: You pay 20% after deductible*
- Non-preferred brand name: You pay 20% after deductible*
- Dow Family Health Center (certain available and covered prescriptions only): You pay $2 after deductible*
- Mail order:
- Generic: You pay 20% after deductible*
- Preferred brand name on formulary: You pay 20% after deductible*
- Non-preferred brand name: You pay 20% after deductible*
Low Deductible Medical Plan (Aetna)
What you pay for prescriptions
- Deductible: Individual: $125 | Family: $200 (EE+1) ― $300 (EE+2 or more)
- Retail (30-day supply):
- Generic: You pay 20% after deductible**
- Preferred brand name on formulary: You pay 20% after deductible**
- Non-preferred brand name: You pay $30% after deductible**
- Dow Family Health Center (certain available and covered prescriptions only): You pay $2**
- Mail order:
- Generic: You pay 20% (no deductible)**
- Preferred brand name on formulary: You pay 20% (no deductible)**
- Non-preferred brand name: You pay 30% (no deductible)**
Blue Care Network of Michigan
What you pay for prescriptions
- Deductible: None
- Retail (30-day supply):
- Generic: You pay $10
- Preferred brand name on formulary: You pay $20
- Non-preferred brand name: Not covered
- Dow Family Health Center (certain available and covered prescriptions only): You pay $2
- Mail order:
- Generic: You pay $20
- Preferred brand name on formulary: You pay $40
- Non-preferred brand name: Not covered
Cigna HMO National
What you pay for prescriptions
- Deductible: None
- Retail (30-day supply):
- Generic: You pay greater of $7 or 20% (up to $100 max)
- Preferred brand name on formulary: You pay greater of $30 or 30% (up to $100 max)
- Non-preferred brand name: You pay greater of $50 or 40% (up to $100 max)
- Dow Family Health Center (certain available and covered prescriptions only): You pay $2
- Mail order:
- Generic: You pay greater of $16 or 20% (up to $200 max)
- Preferred brand name on formulary: You pay greater of $85 or 30% (up to $200 max)
- Non-preferred brand name: You pay greater of $145 or 40% (up to $200 max)
Employee contributions (for 2026)
The amount you pay to have medical coverage depends on a number of factors, including the coverage tier you elect, your tobacco use and your employment status ― full-time vs. less than full-time (LTFT). [2025 rates shown; to be updated with 2026 rates]
The brief summaries of benefits in this communication are not intended to be complete descriptions of each of the respective benefit plans. If there are discrepancies between (a) information in this communication and any oral or written representations made by anyone regarding a plan and (b) the Summary Plan Descriptions (SPD) and other legal documents of any of the plans, the SPD and other legal documents will govern. Dow reserves the right to amend, modify, and terminate the plans described in this communication at any time in its sole discretion.
Content Steward: Dow North America Benefits | (833) 693-6947 (MYDOWHR)
October 2025