U.S. Benefits Enrollment Is November 1-16, 2018
Consistent with our long-time focus on the health of our people, Dow™ continues to offer a wide range of valuable benefits options to help you live a healthy life and feel secure.
Open enrollment for U.S. retirees will be held November 1-16, 2018. Retirees will receive a “What’s New” newsletter and separate personalized Benefits Enrollment Statement in the mail or to the email address they have designated. In addition, the Dow Benefits website (https://dowbenefits.ehr.com/ESS/home/Login.aspx) will provide employees and retirees with online access to their benefits as well as several benefit decision support tools. Enrollment information will also be available on www.dowfriends.com.
Consider MAP Plus Option 2
Did you know that a majority of retirees not yet Medicare eligible are enrolled in the MAP Plus Option 2 Plan? The Option 2 High Deductible Plan offers all of the same services as Option 1 Low Deductible. You use the same network of providers and have the same services covered. The difference is that Option 1 Low Deductible Plan has much higher monthly premiums and generally lower costs at the point of service. The same is true of many of the regionally offered HMO plans that also have a higher monthly premium and generally lower point-of-service costs. The Option 2 High Deductible Plan has lower monthly premiums, and high-costs at the point of service. All plans have excellent protection of high cost care.
In most situations, when comparing monthly contributions and costs at the point of service, the Option 2 High Deductible Plan is the lowest annual cost option.
If you aren’t already enrolled in Option 2, you may want to reconsider it – it’s a “pay as you go” option that may be a better fit for your situation.
If you have any questions, contact the Retiree Service Center at 1-800-344-0661, option 1, or go to https://dowbenefits.ehr.com/ESS/home/Login.aspx and click on “Message Center.”