Be in the know
Review your retiree coverage and what's new
Great news — enhanced coverage with no rate increases for most Dow Medicare plans
The recent Inflation Reduction Act improves access to affordable treatments and strengthens the Medicare program, such as through lower prescription drug costs and out-of-pocket spend. Even with these enhancements, Dow is keeping rates steady for most plans in 2025.
Remember that what you pay depends on your plan and coverage level, so be sure to review your costs when you enroll. If you have more than one option available to you, you could save money by choosing the most cost-effective plan for your particular situation.
You continue to have access to the same medical plans in 2025
This includes Aetna Medicare Advantage options that provide access to additional helpful resources and features as part of your coverage.
For other details on costs and coverage options, review the 2025 summaries.
The MyMichigan Health Network remains available to Aetna Medicare Advantage members through out-of-network coverage
While MyMichigan Health will no longer participate in the Aetna Medicare Advantage network as of January 1, 2025, you can continue to receive services with generally the same in-network cost share since the Dow plan includes the ESA (extended service area) feature. Read more.
We're going green with this new online Medicare guide!
Access this guide anytime, from home or on the go. It puts your benefits information at your fingertips, including:
- Information about your 2025 benefits
- Important considerations and reminders about your benefits
- A checklist for making your choices
- Quick links to a variety of resources, including the Dow Benefits & Wellbeing Site where you'll find important documents and legal notices
This new digital format will allow us to send less paper and reduce waste going forward while providing you with a go-to resource you can use throughout the year to learn about and make the most of your Dow benefits.
Stay up-to-date with text messages
Sign up on the Dow U.S. Benefits Site once enrollment begins. It's a new way to stay informed, focusing on important, real time, benefit news and updates only.
Other important things to know
- If your spouse/domestic partner is also a Dow retiree or current Dow employee, don't enroll for coverage twice.
- To allow another person to access information about your plan/benefits, you must have an approved authorization on file.
- To permit another person to make decisions for you without the need for your approval, you need to submit a Power of Attorney (POA) to Dow that describes the powers you wish to delegate.
Please remember that a POA on file with Dow does not carry over to Aetna. If you would like to permit another person to speak with Aetna on your behalf, call Aetna Member Services at the number on the back of your ID card or visit dow.aetnamedicare.com for more information.
If you participated in the Retirement Health Care Assistance Plan (RHCAP) while you were working at Dow, you can use it for reimbursement of eligible Dow or non-Dow medical premiums (including premiums for Medicare Part B and standalone Medicare Part D plans) and Dow will match your funds dollar for dollar. Also, there are two investment allocation options for the money in your RHCAP account.
For more information, sign into your account at viabenefitsaccounts.com or call Via Benefits at (800) 953-5395 (TTY:711).