2027 Annual Enrollment

Refer to the 2027 Annual Enrollment Newsletter for an overview of what’s new for 2027.

B Well WebMD Lifestyle, Weight Management, and Chronic Condition Coaching Programs

To support your personal well-being, weight management and health goals, participants enrolled in a Bayer Medical Plan*, have access to 1-on-1, personalized coaching programs from their B Well platform including:

• Lifestyle Coaching addressing all facets of well-being including resilience, diet, exercise, sleep and more.
• Weight Management Coaching (through Positively Me), a 12-month program of personalized, 1:1 coaching focused on sustainable life
• Chronic Condition Coaching to support those with diagnosed conditions including asthma, COPD, diabetes, heart failure, and coronary artery disease.

*Employees who are not enrolled in a Bayer medical plan have access to B Well but are not eligible to participate in WebMD coaching or biometric screening programs.
 

Virtual Women’s and Family Health Platform through Maven

New virtual care program offering 24/7 access to specialists, personalized care, and support across key life stages, including fertility, maternity, parenting, menopause and midlife. Available to employees and dependents enrolled in Aetna and Anthem medical plans.
 

Enhanced Short-Term Disability

• New during annual enrollment, you will have the option to purchase Supplemental Short-Term Disability (STD) Buy-Up Coverage for 2027, which can increase your income from 80% to 100% of your pay for approved non-maternity medical disability claims. This voluntary coverage provides added financial protection for up to 26 weeks while you're away from work on an approved short-term disability leave of absence.

              Note: maternity claims will continue to be paid at 100% according to policy.

• Recovery is a journey, and additional treatment may sometimes be needed along the way. Effective January 1, 2027, the Short-Term Disability (STD) program will no longer limit benefits to a first approved inpatient or outpatient drug and alcohol rehabilitation stay. STD benefits may now be available for subsequent approved rehabilitation programs, offering continued support for employees seeking treatment and recovery.

Medical Plan Updates

Bayer’s national medical options are self-insured, meaning Bayer pays the majority of the cost of all medical and prescription claims. 

• Medical and Dental contributions will increase in 2027, while vision remains unchanged. Review plan details and 2027 rates from the “Benefit Plan Options" section.
• Health & Savings Plan deductibles will increase by $100 for the following:
  • You + Spouse/Domestic Partner: $3,500
  • You + Child(ren): $3,500
  • You + Family: $4,300

Teladoc Telemedicine Copays will not change for the 90% and 85% PPO plans. Participants enrolled in the national Health & Savings and regional medical plan options will have a slight increase:

• General Medical copay will increase: $59
• Dermatology copay will increase: $93

Savings Account Contribution Increases Offer More Tax-Free Savings Opportunities

• Health Savings Account (HSA) contribution limits are increasing, giving eligible employees the opportunity to set aside more money, tax-free, to help pay for qualified medical expenses now or in the future:
  • You Only coverage: $4,500 ($100 increase)
  • Family coverage (and all other options): $9,000 ($200 increase)
  • Employees ages 55 and older can contribute an additional $1,000 in catch-up contributions
• Health Care FSA (HCFSA) and Limited Purpose FSA (LPFSA) contribution limits are increasing, allowing you to use more pre-tax dollars to pay for eligible health care expenses during the year:
  • The HCFSA and LPFSA contribution limits are increasing to $3,400 ($100 increase)
  • If you enroll in an FSA for 2027, you may carry over up to $680 of unused funds remaining in your HCFSA or LPFSA into 2027
• Dependent Care FSA limit contribution limits will remain the same at $7,500 for 2027