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 situation
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.
- Consider medical plan details. Review the coverage summaries below, then consider your monthly premiums based on coverage level and other factors:
- Medicare PPOs
- Medicare HMOs
- Old and New Plan (closed to new participants)
Considerations in choosing a plan
- You have Aetna Medicare Advantage options that provide access to additional resources as part of your coverage.
- While MyMichigan Health does not participate in the Aetna Medicare Advantage network, you can receive services with generally the same in-network cost share since the Dow plan includes the ESA (extended service area) feature.
- 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.
Access enrollment
Go to the Dow U.S. Benefits Site when it's time for you to enroll. It's designed to help you find what you need in just a few clicks. From quick access to information to built-in support and tools to help you make your choices, everything you need is at your fingertips, every step of the way. Select the option to enroll on the homepage.
2026 Annual Enrollment: November 3 - 20, 2025
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.
Make sure to name your beneficiaries (who receive a benefit if you die) and keep their information updated.
Complete the spouse/domestic partner verification
Even if you don’t change your elections, you must complete a verification every year if you want Dow medical coverage for your spouse or domestic partner. The only exception is if your spouse/domestic partner is covered under Medicare retiree coverage, which doesn’t require verification.
If you don't complete the annual verification, your spouse or domestic partner will lose eligibility and have coverage terminated. You will not have an option to add your spouse or domestic partner to Dow medical coverage until next year’s annual enrollment unless you experience an applicable qualified life event.
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
The Dow U.S. Benefits Site, powered by the Violet smart system, provides quick and easy answers to your questions, along with personalized guidance and support in making your decisions.
- Search key words from the home screen.
- Use the "Chat" button to get help from Violet. Type in your question and Violet will deliver your answer or point you in the right direction — it's that simple.
- 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.