The Dow Chemical Company
Overview
The Dow Chemical Company sponsors a self-funded health plan that covered 19,713 participants in plan year 2025, down 3% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 19,713 · prior year 20,280
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- The Dow Chemical Company Medical Care Program, plan 501 (19,713 participants); The Dow Chemical Company Retirement Health Care Assistance Plan for Retirees, plan 541 (10,651 participants); The Dow Chemical Company Retirement Health Care Assistance Plan for Active Employees, plan 540 (2,797 participants); Health Care Reimbursement Account, plan 508 (2,199 participants)
- Broker compensation
- $117K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Metropolitan Life Insurance Company | Life, Short-term disability | 43,258 | $52.7M | — |
| Aetna Life Insurance Co. | PPO, Dental | 10,632 | $9.7M | — |
| Lincoln National Life Insurance Company | Long-term disability | 16,300 | $6.1M | — |
| Cigna Health and Life Insurance Company | Medical, Dental, Vision | 257 | $4.2M | $80K |
| Aetna Life Insurance Company | Medical, Dental, PPO | 3,455 | $2.7M | — |
| Vision Service Plan | Vision | 13,394 | $2.2M | — |
| National Union Fire Insurance Company of Pittsburgh, PA | Accidental Death & Dismemberment | 35,442 | $1.7M | $37K |
| MetLife Legal Plans | Legal | 7,226 | $1.1M | — |
| Cigna Health and Life Insurance Company and Affiliates (cigna) | Dental, HMO | 1,218 | $596K | — |
| Kaiser Foundation Health Plan of California, Inc. | Medical, Prescription drug, HMO | 164 | $559K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 19,713 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- The Dow Chemical Company
- Sponsor EIN
- 38-1285128
- Plan numbers
- 501, 541, 540, 508
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 38-1285128 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Dow Employees' Pension Plan
- Type
- Pension plan
- Participants
- 31,955
About this data
Source: The Dow Chemical Company's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with The Dow Chemical Company.