Medicare Advantage Old and New Plan coverage options
This information is for retirees currently enrolled in these plans, which are now closed to new participants.
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 Old and New Plan summary information below as well as the Medicare PPO coverage options and Medicare HMO coverage options (if available in your area). Then use the online tools available through the Dow U.S. Benefits Site to review contributions and compare options based on your personal situation.
If you are a Dow Corning retiree
Please contact Alight regarding Medicare coverage options and costs:
(888) 628-0082 | retiree.alight.com/dowcorning
Note: Grandfathered Dow Corning retirees currently enrolled in Dow coverage can find plan details through the Dow U.S. Benefits Site.
In-network medical benefits
The Old and New Plans are offered through Aetna. The summary below covers in-network benefits, which are generally the most cost-effective way to receive care. Note that these plans also provide benefits for out-of-network services, offering additional flexibility.
Coverage option
Medicare Advantage Old Plan
Medicare Advantage New Plan
Eligibility
Dow retirees currently enrolled
Dow retirees currently enrolled
Availability
Nationwide
Nationwide
What you pay for care
Preventive care
◄ Covered 100% when you use in-network providers (no deductible) ►
Urgent and emergency care copays (no deductible)
Urgent care: $50
Emergency room: $90 (emergency services only)
Urgent care: $50
Emergency room: $90 (emergency services only)
Deductible (per member)
$250
$250
Coinsurance for office visits (after deductible)
You pay 20%
You pay 20%
Telemedicine
Amount you pay depends on service received
Amount you pay depends on service received
Coinsurance for other services (after deductible)
You pay 0% (covered in full) for:
- Outpatient x-ray/lab
- Outpatient surgery
- Inpatient care (hospital, mental health, substance abuse)
You pay 20% for:
- Outpatient mental health and substance abuse
You pay 0% (covered in full) for:
- Outpatient x-ray/lab
- Outpatient surgery
You pay 20% for:
- Outpatient mental health and substance abuse
- Inpatient care (hospital, mental health, substance abuse)
Out-of-pocket maximum (per member)
$3,400
$850
Additional details (including other benefits such as maternity, hospital, mental health and substance use, as well as out-of-network coverage, if applicable)
Contact information and apps
Medicare Advantage Old Plan
- Eligibility: Dow retirees currently enrolled
- Availability: Nationwide
- Contribution amount (see details): $
What you pay for care
- Preventive care: Covered 100% when you use in-network providers (no deductible)
- Urgent and emergency care copays (no deductible): Urgent care: $50 | Emergency room: $90 (emergency services only)
- Deductible (per member): $250
- Coinsurance for office visits (after deductible): You pay 20%
- Telemedicine: Amount you pay depends on service received
- Coinsurance for other services (after deductible): You pay 0% (covered in full) for: Outpatient x-ray/lab, Outpatient surgery, Inpatient care (hospital, mental health, substance abuse) | You pay 20% for: Outpatient mental health and substance abuse
- Out-of-pocket maximum (per member): $3,400
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: Medicare Advantage Old Plan
- Contact information and apps: dow.aetnamedicare.com | (855) 344-2209 | Apple App Store | Google Play
Medicare Advantage New Plan
- Eligibility: Dow retirees currently enrolled
- Availability: Nationwide
- Contribution amount (see details): $
What you pay for care
- Preventive care: Covered 100% when you use in-network providers (no deductible)
- Urgent and emergency care copays (no deductible): Urgent care: $50 | Emergency room: $90 (emergency services only)
- Deductible (per member): $250
- Coinsurance for office visits (after deductible): You pay 20%
- Telemedicine: Amount you pay depends on service received
- Coinsurance for other services (after deductible): You pay 0% (covered in full) for: Outpatient x-ray/lab, Outpatient surgery | You pay 20% for: Outpatient mental health and substance abuse, Inpatient care (hospital, mental health, substance abuse)
- Out-of-pocket maximum (per member): $850
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: Medicare Advantage New Plan
- Contact information and apps: dow.aetnamedicare.com | (855) 344-2209 | 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
Medicare Advantage Old Plan
Medicare Advantage New Plan
What you pay for prescriptions
Deductible
None
None
Out-of-pocket maximums (per member)
◄ Standard Part D drugs: $2,000 | Non-standard Part D drugs: $3,100 ►
Retail (30-day supply)
Generic
You pay 10%
You pay 10%
Preferred brand name on formulary
You pay 20%
You pay 20%
Non-preferred brand name
You pay 35%
You pay 35%
Mail order (90-day supply)
Generic
CVS/preferred pharmacy: You pay $5
Other pharmacy: You pay 10%
CVS/preferred pharmacy: You pay $5
Other pharmacy: You pay 10%
Preferred brand name on formulary
CVS/preferred pharmacy: You pay $80
Other pharmacy: You pay 20%
CVS/preferred pharmacy: You pay $80
Other pharmacy: You pay 20%
Non-preferred brand name
CVS/preferred pharmacy: You pay $150
Other pharmacy: You pay 35%
CVS/preferred pharmacy: You pay $150
Other pharmacy: You pay 35%
Medicare Advantage Old Plan
What you pay for prescriptions
- Deductible: None
- Out-of-pocket maximum (per member): Standard Part D drugs: $2,000 | Non-standard Part D drugs: $3,100
- Retail (30-day supply):
- Generic: You pay 10%
- Preferred brand name on formulary: You pay 20%
- Non-preferred brand name: You pay 35%
- Mail order (90-day supply):
- Generic: CVS/preferred pharmacy: You pay $5 | Other pharmacy: You pay 10%
- Preferred brand name on formulary: CVS/preferred pharmacy: You pay $80 | Other pharmacy: You pay 20%
- Non-preferred brand name: CVS/preferred pharmacy: You pay $150 | Other pharmacy: You pay 35%
Medicare Advantage New Plan
What you pay for prescriptions
- Deductible: None
- Out-of-pocket maximum (per member): Standard Part D drugs: $2,000 | Non-standard Part D drugs: $3,100
- Retail (30-day supply):
- Generic: You pay 10%
- Preferred brand name on formulary: You pay 20%
- Non-preferred brand name: You pay 35%
- Mail order (90-day supply):
- Generic: CVS/preferred pharmacy: You pay $5 | Other pharmacy: You pay 10%
- Preferred brand name on formulary: CVS/preferred pharmacy: You pay $80 | Other pharmacy: You pay 20%
- Non-preferred brand name: CVS/preferred pharmacy: You pay $150 | Other pharmacy: You pay 35%
Retiree contributions for 2026
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 or Union Carbide?
You can also use the online calculators to estimate your Medicare PPO and HMO contributions. Note: Contributions for the Old and New Plans are only available through the Dow U.S. Benefits Site.
If you are a Dow Corning retiree
Please contact Alight regarding Medicare coverage options and costs:
(888) 628-0082 | retiree.alight.com/dowcorning
Note: Grandfathered Dow Corning retirees currently enrolled in Dow coverage can find plan details through the Dow U.S. Benefits Site.
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 2025