Human Resources

Benefits News Summer 2016

Welcome Welcome to Benefits News — your resource for the latest information about Dow benefits. In this issue, we include information about health, dental and prescription drug resources and more. Be sure to visit www.dowfriends.com to learn more about these and other benefits topics. Dow is committed to providing you with comprehensive benefit options that meet your health care needs. Our competitive benefits package offers health care solutions that fit your lifestyle and help you thrive.

Inside This Issue: • Get the most from your Aetna secure member website • Get your Aetna ID card online • CVS is in Target stores • Get help enrolling for Social Security disability and Medicare For Pre-Medicare Retirees • Get real-time price estimates for health care • Visit a doctor online when away from home • Omada Diabetes Prevention Program • MAP Plus Option 2 Plan overview

All Retirees

Benefits News | Summer 2016

Get the Most from Your Aetna Secure Member Website You can get plan information anytime, day or night: 1. Log in to your secure member website Have your Aetna ID card handy for the one-time registration. Visit anytime at www.aetna.com and click “Log In/Register.” Follow the prompts to create your user name and password. Then you can log in any time to find: • Plan details, like your out-of-pocket costs and what’s covered • Claim details and history • Network doctors, hospitals, and other providers • Pharmacies, drug costs or refill a prescription • Medical ID card information • Access to WellMatch® (pre-65 retirees only) 2. Use the Aetna Mobile App You can take along a streamlined version of your secure member website wherever you go. Go to your Play Store (Android) or App Store (iPhone) to download the free Aetna Mobile App. You can also text APPS to 23862.* Log in using the same user name and password you would on your computer. Then you can: • View your claims, coverage and benefits information • Find network doctors, hospitals, and more • Find pharmacies, drug costs or refill a prescription on the go • View alerts and messages • View your ID card information Search for doctors, hospitals, labs, pharmacies, urgent care and more Use the online provider search tool for the most up-to-date list of doctors, pharmacies and other health care providers. You can get a list of available providers by ZIP code, or enter a specific name in the search field. *Standard text messaging and other rates from your wireless carrier may apply.

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Benefits News | Summer 2016

All Retirees

Get Your Aetna ID Card Online You have options to access your digital ID card. You can:

Display a digital ID card on your smartphone or tablet. 1. Log in to the Aetna Mobile App. (To download the free Aetna Mobile Apps, text APPS to 23862.*)

Print a paper ID card from your computer. 1. Log in to your secure member website at www.aetna.com. (Follow prompts to register if it’s your first visit.)

2. Choose “ID Card Information.” 3. Show your ID card when you visit the doctor or dentist.

2. Choose “Get an ID Card.”

*Standard text messaging and other rates from your wireless carrier may apply.

3. Follow the steps to print your card.

CVS is in Target Stores CVS Health now owns and operates pharmacies in 1,672 Target stores in 47 states. This means you can go to Target for your 90-day long-term prescriptions as part of your Maintenance Choice® program. Just stop by your local Target store and ask about picking up your medicine there.

Get Help Enrolling for Social Security Disability and Medicare If you or your spouse has a disabling condition, you may qualify for Social Security Disability Income (SSDI). You have five years from retirement to apply for SSDI. Once you qualify for SSDI, you also qualify for Medicare, if you aren’t eligible sooner based on age or disability. If you’d like to know more about SSDI and/or Medicare enrollment, Dow’s partner, SSDC Services Corporation (SSDC) can help. SSDC is a valuable resource to help you and/or your spouse apply for SSDI and Medicare. And there’s no cost for the service. Just call 1-800-374-9950, ext. 222 to get started.

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Benefits News | Summer 2016

Pre-Medicare Retirees

Get Real-Time Price Estimates for Health Care When you pay a percentage of the bill instead of a flat fee, it helps to know the cost before you go — especially before the bill arrives and it’s too late to do anything about it. In fact, sometimes you’re not even sure where to go for the health care services you need. WellMatch® is an online tool — and mobile app — that can help you make confident health care decisions based on quality and price. Consider this scenario: Your doctor recommends you get a colonoscopy. There are several places to go in your area but you’re not sure which has the best rates. The fact is, prices can vary greatly. In Chicago, the cost can be as low as $650 or as high as $2,210. From which price do you want your percent share calculated? And you’re not sure if you’ve exhausted your deductible! That’s where WellMatch comes in. Here’s how WellMatch can help: Access WellMatch from your Aetna secure member website or visit www.wellmatchhealth.com online or download the mobile app to access WellMatch from the doctor’s office or anywhere. You’ll need to register the first time you use it. 1. Choose the procedure; in this case, a colonoscopy. 2. You’ll see top picks based on price, quality and location. 3. You can click to see a price estimate for each provider option. You’ll get a breakdown of the cost estimate, including the provider’s standard rate vs. your rate as an Aetna member. Because WellMatch is an Aetna tool, it syncs up with your plan to include any remaining deductible and your coinsurance (percent share of the price) before the final estimated amount that you would owe. 4. Check out other details about the provider, such as location, ratings and patient reviews. Then, just choose the provider you want to use. WellMatch makes shopping for health care that easy!

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Benefits News | Summer 2016

Pre-Medicare Retirees

Visit a Doctor Online When Away from Home Heading south for the winter — or north for the summer? When you’re away from home, Teladoc® lets you see board-certified doctors — by phone or video chat — from anywhere. And Teladoc doctors can write prescriptions and coordinate care with your regular doctor, too. It never costs more than an office visit to your network doctor. Set up your Teladoc account today Everything runs more smoothly when you’re prepared. If you haven’t already done so, set up an account now and be ready when an illness happens. Here’s how: 1. Visit www.teladoc.com/aetna 2. Complete the fields under “New to Teladoc?” 3. Click “Set Up Account” That’s it! Then, when you need care, you can: – Log in to request a video consult; or – Call 1-855-Teladoc (1-855-835-2362) for a phone consult Download the mobile app at www.teladoc.com/mobile to use Teladoc on the go! Dow Family Health Center is now open in Lake Jackson Visiting Lake Jackson? If you and your dependents are covered under a Dow medical plan, you can use the Dow Family Health Center for high quality, low cost care — from annual physicals and preventive screenings to non-emergency treatment, health and wellness education, physical therapy and more. Go to www.myquadmedical.com/dow to learn more. The center is located on the second floor of the Diamond Center. Hours are: • Monday, Wednesday, and Friday: 7 a.m. to 5 p.m. • Tuesday and Thursday: 8 a.m. to 6 p.m.

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Benefits News | Summer 2016

Pre-Medicare Retirees

See If You Qualify For The Free Diabetes Prevention Program Omada Diabetes Prevention Program inspires healthy habits you can live with long term. It combines behavior change science with unwavering support to help you lose weight, keep it off, and reduce your risk of type 2 diabetes and heart disease.

Here’s what you get with the Omada program: • Expert health coaching with one-on-one, dedicated support and advice from a professional health coach

• Private online peer group support for For eligible employees and their adult dependents encouragement who are at risk for type 2 diabetes or heart disease, • Health data monitoring, including: Dow will cover the entire cost of the program — a - A no-setup wireless scale to monitor $700 value. To find out if you’re eligible, just take your progress the one-minute risk screening questionnaire at - A digital pedometer www.omadahealth.com/dow. Your participation is - A mobile app for food tracking voluntary and your responses are confidential. Omada does not share individually identifiable data with Dow. • Interactive program that adapts to you Medicare-eligible retirees: Please note that CMS/Medicare recently announced that diabetes prevention programs will be covered for Medicare participants starting later this year.

• Weekly online lessons to educate and inspire If you have questions, call the Retiree Service Center at 1-800-344-0661.

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Benefits News | Summer 2016

Pre-Medicare Retirees

Evaluate the MAP Plus Option 2 Plan for 2017 During annual enrollment for 2016, we asked pre-Medicare retirees to do the math when evaluating health plan options — and many of you saw the value in the MAP Plus Option 2 Plan. In fact, over 1,200 retirees made the switch into the MAP Plus Option 2 Plan with over 900 migrating from the MAP Plus Option 1 Low Deductible Plan. Medical premiums are increasing for 2017 A number of factors contribute to increases that will impact pre-Medicare retirees: • Claims experience for both Option 1 and Option 2 continue to rise. • More retirees have moved to Option 2. As retirees in the plan age and their health status changes, the overall health risks impact the plan cost. While Dow tries to keep costs down as much as possible for you, increasing cost trends continue to be a reality. Premiums will increase for 2017, but the MAP Plus Option 2 continues to be the lower-premium option for Pre-Medicare retirees. Lower Premium Often Outweighs a Higher Deductible A high deductible can seem scary, but often, a low premium can more than offset a high deductible. And, with the MAP Plus Option 2 High Deductible Plan, you can stash the dollars you save in premium costs into a health savings account (HSA) so it’s there when you need it. Plus, HSA dollars are tax-free for even more savings. Same network and prescription drug benefits as option 1 You can rest easy knowing that the MAP Plus Option 1 and Option 2 Plans share the same network of Aetna doctors and hospitals. So you won’t have to change doctors. Both plans also have the same prescription drug coverage through CVS/Caremark. Take the time to evaluate your options Many people spend more than they need to on medical coverage by choosing a plan with higher premiums and more coverage than they actually need and use. Don’t just look at what’s higher or lower. Consider the services you expect to need in the coming year. While you may pay more out of pocket at the time of service with MAP Plus Option 2, big savings in annual premiums may save you more in the long run.

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More Information and Resources Contact the Dow Retiree Service Center by email at [email protected] or call 1-800-344-0661, option 1. You can view a copy of this newsletter at www.dowfriends.com. “Dow” refers to The Dow Chemical Company and its subsidiaries that are authorized to participate in the benefit plans described in this guide. The brief summaries of benefits in this communication provide only general information. You should refer to the plan document and summary plan description of the applicable plan(s) for a more complete description of a plan’s terms. If there is any conflict between (a) information in this communication and any oral or written representations made by anyone regarding a plan, and (b) the legal documents of a plan, including the plan document or summary plan description for the applicable plan, the plan legal documents will govern. The Dow Chemical Company reserves the right to amend, modify, and terminate the plan(s) described in this communication at any time in its sole discretion. The foregoing descriptions are subject to change based on the terms of the plan(s) and applicable law. ® Trademark of The Dow Chemical Company (“Dow”) or an affiliated company of Dow. © 2016 The Dow Chemical Company All rights reserved. Lit.# 318-61155 Published August 2016