

Medical Coverage
Recognizing that individuals have different needs, we offer three medical plan options to all
US employees; an HMO option may also be available in certain geographic areas. Employees have the
opportunity to save in a Health Savings Account if the Bayer Health and Savings Plan is
elected.
Prescription Drug Reimbursement
Each medical plan includes coverage for prescription drugs. Some plans provide full
reimbursement for any Bayer drugs prescribed for you or your covered dependents by your doctor.
Dental Coverage
To meet your specific dental needs, there are different levels of dental coverage
benefits available, including orthodontia.
Vision Coverage
For your vision needs, we offer a voluntary vision program that provides coverage for exams,
lenses and frames.
Flexible Spending Accounts
For out-of-pocket health expenses or for day care expenses, you can utilize Health Care or
Day Care Spending Accounts with savings of pre-tax dollars.
Disability Coverage
In the event you become unable to work due to illness or injury, we offer short- and
long-term disability benefits.
Life Insurance
Several options are available to you for coverage of employee, spouse and dependent
child.
Savings and Retirement Plan
Employees are eligible to make pre-tax or after tax (Roth) contributions to the plan. To
encourage employees to save, the company will also contribute matching contributions (depending on
the amount of employee contributions) and a base company retirement contribution. You are
immediately vested in your employee contributions and company match contributions. Your
company retirement contributions will vest after you have 3 years of service with Bayer.
Bayer Share Award Program
An option to voluntarily elect to receive Bayer AG American Depositary Shares (ADSs) in lieu
of cash for a percentage of your eligible short-term Bayer bonus award.
Adoption Assistance
If you are adopting a child, our adoption benefit plan helps defray the costs involved with
adoption.
*Programs and options may differ based on the requirements of the business.
Bayer is proud to be an Affirmative Action and Equal Opportunity Employer.