2025 Medical Insurance Overview

To ensure employees receive affordable access to medical insurance that fits within them and their family’s needs, Dow Aero (“Company”) offers two unique plans. Both plans provide exceptional coverage and are joined by a solid list of in-network providers; these include many hospitals and physicians within the Oklahoma City metro area and beyond.

Employees who avoid using all tobacco/vaping/nicotine products can select the base plan at no cost for themselves. Even when subsidize employee premiums are deducted from payroll, these costs may still come in at a fraction of the price of purchasing similar coverage as an individual, unlocking opportunities for employees to save hundreds, if not thousands, of dollars per year.

Coverage and Premiums

Medical Base

  • $3,300 Individual
    $6,600 Family

  • $3,300 Individual
    $6,600 Family

  • *In Network - See Summary of Benefits document for Out of Network data.

    Office Visits
    No Charge after deductible

    Preventative Care
    No Charge; deductible does not apply

    Diagnostics & Imaging
    No Charge after deductible

  • Preferred Generic
    No Charge after deductible

    Non-Preferred Generic
    No Charge after deductible

    Preferred Brand Drugs
    No Charge after deductible

    Non-Preferred Brand Drugs
    No Charge after deductible

    Preferred Speciality
    No Charge after deductible

    Non-Preferred Speciality
    No Charge after deductible

  • *In Network - See Summary of Benefits document for Out of Network data.

    Urgent Care
    No Charge after deductible

    Emergency Room
    No Charge after deductible

    Medical Transportation
    No Charge after deductible

    Inpatient Hospital Stay
    No Charge after deductible

    Preauthorization required. $500 penalty for failure to preauthorize.

  • *In Network - See Summary of Benefits document for Out of Network data.

    Maternity
    No Charge after deductible

    Child Dental Exams
    Not covered

    Child Eye Exams
    Not covered

    Child Glasses (single pair annually)
    Not covered

  • *In Network - See Summary of Benefits document for Out of Network data.

    Outpatient Surgery
    No Charge after deductible

    Mental and Behavioral Health
    No Charge after deductible

    Recovery/Rehabilitation
    No Charge after deductible

    Hospice
    No Charge after deductible

  • Non-Tobacco Rates (Per Month)
    Employee Only $449.49 (Paid 100% by Dow)

    Employee + Spouse $1080.84 ($449.49 Paid by Dow)

    Employee + Child(ren) $821.55 ($449.49 Paid by Dow)

    Family $1452.90 ($449.49 Paid by Dow)

    Tobacco Rates
    Employee Only $89.90 ($359.59 Paid by Dow)

    Employee + Spouse $1080.84 ($359.59 Paid by Dow)

    Employee + Child(ren) $821.55 ($359.59 Paid by Dow)

    Family $1452.90 ($359.59 Paid by Dow)

    Cost paid every other week via pre-taxed payroll deduction.

Medical Buy Up

  • $500 Individual
    $1,500 Family

  • $1,250 Individual
    $3,750 Family

  • *In Network - See Summary of Benefits document for Out of Network data.

    Office Visits
    $25 Physician
    $45 Specialist

    Routine Preventative Care
    Qualifying immunizations & screenings
    $0

    Diagnostics & Imaging
    Qualifying blood work, X-rays - No Charge; deductible does not apply

    MRI/CT/PET Scans
    20%

  • Preferred Generic
    $0 Preferred
    $10 Participating

    Non-Preferred Generic
    $10 Preferred
    $20 Participating , $30 Mail

    Preferred Brand Drugs
    $35 Preferred
    $55 Participating, $105 Mail

    Non-Preferred Brand Drugs
    $75 Preferred
    $95 Participating, $225 Mail

    Preferred Speciality
    $150

    Non-Preferred Speciality
    $250

  • Urgent Care
    $50

    Emergency Room
    $300 + 20%

    Medical Transportation
    No Charge; deductible does not apply

    Inpatient Hospital Stay
    $150 + 20% Facility
    20% Professional

  • *In Network - See Summary of Benefits document for Out of Network data.

    Maternity
    20% Childbirth Professional
    $150 + 20% Childbirth Facility

    Child Dental Exams
    Not Covered

    Child Eye Exams
    Not Covered

    Child Glasses (single pair annually)
    Not Covered

  • *In Network - See Summary of Benefits document for Out of Network data.

    Outpatient Surgery
    $100 + 20% Professional
    20% Facility

    Mental and Behavioral Health
    Including substance abuse
    $25 + 20% Outpatient
    $150 + 20% Inpatient

    Recovery / Rehabilitation
    20%

    Hospice
    20%

  • Non-Tobacco Rates (Per Month)

    Employee Only $572.72 ($449.49 Paid by Dow)

    Employee + Spouse $1377.17 ($449.49 Paid by Dow)

    Employee + Child(ren) $1046.80 ($449.49 Paid by Dow)

    Family $1851.24 ($449.49 Paid by Dow)

    Tobacco Rates

    Employee Only $213.13 ($359.59 Paid by Dow)

    Employee + Spouse $1017.58 ($359.59 Paid by Dow)

    Employee + Child(ren) $687.21 ($359.59 Paid by Dow)

    Family $1452.90 ($1491.65 Paid by Dow)

    Cost paid every other week via pre-taxed payroll deduction.

Plan, prescription drug coverage, and premiums only valid for 2025.

Find a Doctor or Hospital

Select here to view in-network providers >

* Verify that the network selected is Blue Advantage PPO [BVP].

Alliance Health is currently not an in-network provider.

Non-Tobacco/Vaping/Nicotine Attestation

Employees that attest to non-tobacco/vaping/nicotine use upon enrolling, or when making a change to their active coverage, will receive a discount on the Medical Base plan premium for themselves. For this plan year, the discount shall award employees:

  • 100% Company-paid premium for the Medical Base plan.

Without an attestation to non-tobacco/vaping/nicotine use, only 80% of the Medical Base plan premium is Company-paid.

A falsified or inaccurate attestation carries a possible consequence of a criminal misdemeanor for insurance fraud and can result in the loss of coverage(s), necessitate repayment of premiums or services, and include further disciplinary action from the Company, up to termination of employment.

Health Savings Account Eligibility

The following medical offering is legally considered a high deductible healthcare plan (HDHP):

  • Medical Base

Subscribers for the plan immediately identified above are eligible to make payroll contributions into a health savings account (HSA).

Select here for additional details regarding a Health Savings Account (HSA) >

Insure Oklahoma

Qualifying participants can save on their medical insurance premiums by receiving subsidies upon acceptance into this program administered by the Oklahoma Health Care Authority.

Select here to verify whether you qualify and register >

Member Account

Medical plan subscribers can optionally create and login to a member account that includes online access for:

  • Reviewing spending for the active and previous plan year;

  • Auditing detailed claims history;

  • Using a digital or temporary membership card; and

  • Requesting a replacement physical membership card.

A mobile app is also available for iOS and Android devices.

Included Services

With enrollment for either of the medical plans offered by the Company, employees and their eligible family members would also have access to the following programs and services:

  • MD Live

    • Provides online access to a medical professional 24/7 via a participant’s internet-connected computer, tablet, or smartphone. To learn more or to register for a free account, visit mdlive.com.

  • 24/7 Nurseline

    • Offers proactive guidance for possible emergency care, along with other family health and wellness matters. This even includes instant access to an audio library of more than 1,000 on-demand health topics. Simply call 1.800.581.0407 anytime a health or wellness question arises.

  • Condition Management

    • Unlocks general knowledge, tools, and self-care techniques that can be used by participants managing chronic health condition(s), including asthma, diabetes, or heart problems. To register, participants can call the number on the back of their Blue Cross Blue Shield of Oklahoma (BCBSOK) membership card to speak with a representative.

      • Understand this only provides basic services to assist in managing chronic health condition(s); participants should consult a physician for guidance on their specific condition(s).

  • Special Beginnings

    • Program covers many pregnancy and infant-care topics for when a subscriber is expecting a child. If interested in this program, its highly recommended that a participant register during the first twelve (12) weeks of their pregnancy by calling 1.888.421.7781.

Tobacco/Vaping/Nicotine Cessation

With regards to medical plans available from the Company, it really does pay for employees to quit and avoid tobacco products. Currently, employees using any tobacco/vaping/nicotine products can expect to pay twenty-percent (20%) of their Medical Base plan’s premium, while the base premium would be covered in-full by the Company for non-tobacco users. Tobacco-using employees would also pay more for the Medical Buy Up plan, as the twenty-percent (20%) of the base plan is also applied to the difference between the two offered plans.

1-800-QUIT-NOW

For individuals wanting to take control and end their tobacco use, free assistance is available from The Oklahoma Tobacco Helpline. All employees and their family members living in the State of Oklahoma are eligible for this service, even if not enrolled into either of the medical plans offered by the Company. To begin your path to ending tobacco:

This program may include free starter packs for nicotine-replacement patches, gum, and/or lozenges to registered participants.

Coverage Termination

Medical insurance coverage ends on the final day of the month following a termination event. Deductions shall not be suspended on an employee’s final qualifying payroll. These plans are eligible for COBRA temporary continuation of coverage.

Select here for additional information regarding COBRA >

Provider Contact Information

Medical | Blue Cross Blue Shield of Oklahoma (BCBSOK)
1.800.942.5837 | Customer Service
bcbsok.com | Web

Plan Details

Medical Base

Plan Name - Blue Advantage PPO A591
Plan Number - AOBAP591
Plan Network - Blue Advantage PPO [BVP]
Plan Provider - Blue Cross Blue Shield of Oklahoma (BCBSOK)
Group Number - 477702

Medical Buy Up

Plan Name - Blue Advantage PPO A401
Plan Number - AOBAP401
Plan Network - Blue Advantage PPO [BVP]
Plan Provider - Blue Cross Blue Shield of Oklahoma (BCBSOK)
Group Number - 477700

Plan Documents

Medical Base Plan Summary of Benefits and Coverage >

Medical Buy Up Summary of Benefits and Coverage >

* It is highly recommended that you carefully review any appropriate plan documents prior to enrollment.

Additional Provider Links

Select here for announcements from the plan provider >

Disclaimer

Content provided above is maintained by the Company’s Human Resources (“HR”) department, in collaboration with knowledgeable third-parties. The Company takes reasonable efforts in ensuring details about the plan(s) above are accurate. However, the plan document shall govern in the event an inconsistency is discovered between this resource, or any other oral or written description of benefits, and a formal plan document; please notify the Company’s HR department immediately should a potential error be identified.

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