Pre-Medicare 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 review contributions and compare options based on your personal situation. Note: If you or someone you cover qualifies for Medicare because of a disability, you must sign up for it to qualify and enroll in Dow coverage.
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 High Deductible Medical Plan also provide benefits for out-of-network services, offering additional flexibility.
Coverage option
High Deductible Medical Plan (Blue Cross Blue Shield)
Blue Care Network of Michigan HMO
Availability
Nationwide
Dow retirees in Michigan
Health Savings Account (HSA) eligible (save and pay for eligible expenses tax free with your own account― learn more)
Yes
No
What you pay for care
Preventive care
◄ Covered 100% when you use in-network providers (no deductible) ►
Office visit copays (no deductible)
Copays do not apply ― you must first meet the deductible, then pay coinsurance
Primary care: $15
Specialist: $30
Dow Family Health Center: $10
Telemedicine
You must first meet the deductible, then pay coinsurance
Same as office visit copays
Deductible
Individual: $2,000
Family: $4,000 (max of $3,500 for one person)
None
Coinsurance (after deductible)
You pay 20%
N/A
Out-of-pocket maximum (includes deductible)
Individual: $4,000
Family: $8,000
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 Note: 2027 summaries to be added once available
High Deductible Medical Plan
Blue Care Network of Michigan
Contact information and apps
High Deductible Medical Plan (Blue Cross Blue Shield)
- Availability: Nationwide
- Contribution amount (see details): $
- Health Savings Account (HSA) eligible (save and pay for eligible expenses tax free with your own account― 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): Copays do not apply ― you must first meet the deductible, then pay coinsurance
- Telemedicine: $56 consult fee
- Deductible: Individual: $2,000 | Family: $4,000 (max of $3,500 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 Note: 2027 summaries to be added once available
- Contact information and apps: www.bcbsm.com | (866) 491-3083 | Apple App Store | Google Play
Blue Care Network of Michigan HMO
- Availability: Dow retirees in 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 of Michigan Note: 2027 summaries to be added once available
- Contact information and apps: www.bcbsm.com | (800) 450-3680 | 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 (Blue Cross Blue Shield)
Blue Care Network of Michigan HMO
What you pay for prescriptions
Deductible
Combined with medical deductible*
None
Retail (30-day supply)
Generic
You pay 20% after deductible*
You pay $10
Preferred brand name on formulary
You pay 20% after deductible*
You pay $20
Non-preferred brand name
You pay 20% after deductible*
Not covered
Dow Family Health Center (certain available and covered prescriptions only)
You pay $2 after deductible*
You pay $2
Mail order (90-day supply)
Generic
You pay 20% after deductible*
You pay $20
Preferred brand name on formulary
You pay 20% after deductible*
You pay $40
Non-preferred brand name
You pay 20% after deductible*
Not covered
* 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.
High Deductible Medical Plan (Blue Cross Blue Shield)
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 (90-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*
Blue Care Network of Michigan HMO
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 (90-day supply):
- Generic: You pay $20
- Preferred brand name on formulary: You pay $40
- Non-preferred brand name: Not covered
Retiree contributions for 2027
The amount you pay to have medical coverage depends on a number of factors, including heritage company you retired under, the coverage tier you elect and years of service. To see the specific contributions that apply to you:
- Enroll through the Dow U.S. Benefits Site.
OR
- Review your benefits enrollment statement (mailed to you prior to enrollment).
Retired from Dow, Dow Corning or Union Carbide?
Coming soon: You can also use the online calculators to estimate your contributions:
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 | (800) 344-0661
October 2026