Make your choices
Choose what's best for you through the Dow U.S. Benefits Site
Enrollment is your opportunity to elect coverage that works for you.
Take the time to make thoughtful decisions. Ready to enroll? Follow the checklist below.
Consider your situations
Look at your options, factor in your health status and needs, and think about your preferences. As you consider your choices:
- Be in the know. Learn about your options and what's new this year.
- Review medical plan details. Access the cost and coverage summaries and use the tool to help you calculate your monthly premiums based on coverage level and other factors.
Remember: You have Aetna Medicare Advantage options that provide access to additional resources as part of your coverage. Please note 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 (855) 230-3701 (TTY: 711), Monday through Friday, 8 AM to 9 PM Eastern Time.
Access enrollment
Go to the Dow U.S. Benefits Site when it time for you to enroll. It's designed with you in mind to help you choose the right options for your personal situation and get the most out of your Dow plans and programs throughout the year. Select the option to enroll on the homepage.
2025 Annual Enrollment: November 4 - 21, 2024
Verify your information, including your dependents
Remember to review and update your dependents (who have coverage under the plan). You will need to provide proof of eligibility for any new dependents you add during annual enrollment.
Don't forget to name and keep your beneficiaries (who receive a benefit if you die) up to date too.
Complete the spouse/domestic partner verification (required only if your spouse or domestic partner is not yet eligible for Medicare)
You must complete an annual verification to maintain Dow medical coverage for a spouse or domestic partner who is not yet eligible for Medicare. If you do not take action, your spouse or domestic partner will lose coverage.
Make your choices
Follow the step-by-step process. Once you make your choices, you will see an enrollment confirmation screen — you can print it and save it for your records. This is your verification that your elections were saved and applied. There’s no need to call the service center to verify your elections.
Don't forget!
If you waive coverage as a retiree after reaching age 65, you will not have an option to re-enroll. You will only have the option to re-enroll in a Dow medical plan in the future if:
- You continue working past age 65 and can provide proof that you lost active coverage through another employer (including through the employer of your spouse/domestic partner), or
- You lose coverage through another employer’s retiree plan (including through the employer of your spouse/domestic partner) and/or the plan was discontinued.
In this case, you must re-enroll in Dow coverage within 90 days after your loss of other coverage.
We're here if you have questions
Getting answers to your questions through the Dow U.S. Benefits Site is quick and easy:
- Search key words from the home screen.
- Use the "Chat" button to get help from the interactive Virtual Guide.
- Get personal assistance by sending a secure message through the "Inbox."
Need personal assistance right away? Call the Dow Retiree Service Center at (800) 344-0661 (select option 2 for health and/or life insurance inquiries and for help with the Dow U.S. Benefits Site).
When to call: You need immediate assistance with a personal question about your benefit eligibility or coverage, help verifying/updating information, or assistance with registration or access to the Dow U.S. Benefits Site.
Have Medicare Advantage questions?
Call Aetna at (855) 230-3701 (TTY: 711), Monday through Friday, 8 AM to 9 PM Eastern Time.