Medical Expense Estimator
An easy, interactive way to compare your medical plan options.
2024 Annual Enrollment: October 23 – November 3
Annual enrollment for your 2024 benefits begins October 23 and ends November 3, 2023, at 11:59 p.m. Central Time. Dive into your options and create your plan for 2024 with our digital decision support tools.
Take action
Get started with your Annual Enrollment checklist below.
Take the checklist with you.
Review your benefits
- Explore your benefit options and see what’s changing for 2024. Summaries of Benefits and Coverage (SBCs) for your 2024 medical plan options are available on the Forms and documents page.
- Check your current elections on enroll.stryker.com. To view your current benefit elections, click on the Your Benefits Summary button under Quick Links.
- Consider your 2024 coverage needs. Will your needs change in 2024? Has it been a while since you compared your options? It’s easy to compare medical plan options with the 2024 Medical Expense Estimator tool.
Prepare to enroll
- Locate dependent information. Before you enroll, gather Social Security numbers and other dependent certification information for any newly added dependents.
- Double check your beneficiaries. It only takes a moment. Make sure the right person receives your life insurance and other death benefits if the unexpected happens. See “Are your beneficiaries up to date?” below for instructions.
- Confirm your address and phone number in Workday. Make sure your Annual Enrollment materials go to the correct address.
Choose your benefits
- Make your elections on enroll.stryker.com. Annual Enrollment begins on October 23 and ends on November 3, 2023, at 11:59 p.m. Central Time. While enrolling, double-check to make sure that your dependents are enrolled in the correct plans. Once you have completed your enrollment, be sure to print your confirmation statement.
- Take action to:
- Change your medical, dental, vision or supplemental health coverage for next year.
- Contribute to a Health Savings Account (HSA) or Flexible Spending Account (FSA) in 2024. Your current HSA or FSA payroll deduction will not roll over to 2024.
- Review and update your life insurance elections and beneficiaries.
- Confirm or update your tobacco status to avoid the annual $600 Tobacco Use Surcharge. If you enroll in one of Stryker's medical plans, you must complete the Tobacco Use Affidavit every year indicating the tobacco use status for you and your covered spouse/domestic partner (if applicable).
Remember to print or take a screenshot of your confirmation statement before you leave the enrollment site.
Provide documentation (if applicable)
- Provide proof of your dependent’s status for any newly added dependent by November 10, 2023. If you do not provide the dependent certification documents for any newly added dependents*, your dependent will be removed and will not receive coverage for the 2024 plan year.
- Complete Evidence of Insurability (EOI) for your supplemental life insurance by the deadline you receive from Unum, our new life and disability provider, if requested. Unum will send information regarding how to complete the EOI process to your Stryker email address in January.
Remember, this is your one chance to make changes.
You can only change your 2024 benefits after Annual Enrollment if you have a qualifying life event. Keep in mind, typically you can only make changes directly related to the life event (e.g., adding a child in the event of a birth). For more details, see the Summary Plan Description (SPD).
*Dependent certification includes birth certificates for your children and/or your marriage certificate and 2022 tax return for your spouse. For other dependents or options, please read this proof of dependent eligibility summary or contact the myHR Team. Remember, unless your covered children have a qualifying disability, they may only be covered until age 26 by the medical, dental, vision, supplemental health and child life insurance plans.
What’s changing
We review our benefits program each year to ensure our offerings are still valuable, affordable and competitive. For 2024, most of your benefits will stay the same but there are a few changes to be aware of.
| Topic | What’s changing |
|---|---|
| Your cost for coverage |
For the medical plans: UnitedHealthcare plan costs will not change. However, there are some changes for other medical plan costs. For all other plans: Your monthly cost of coverage will not change in 2024 unless you move into a new age or salary category for certain benefits. You can find your 2024 monthly coverage costs for medical, dental, vision, life insurance and supplemental health benefits in the Benefits at a Glance. You can find all the rates on the benefits enrollment site when you enroll. |
| Contribution limits | The Internal Revenue Service (IRS) has increased the contribution limits for the Health Savings Account (HSA) and the Healthcare Flexible Spending Account (HCFSA). For the HSA, the combined amount you and Stryker can contribute in 2024 will be:
The 2024 Healthcare FSA limit will be $3,050 and the Day Care FSA limit will remain at $5,000. |
| Premium HSA Plan deductible | To remain compliant with IRS requirements for HSA medical plans, the Premium HSA Plan deductibles will increase to:
|
| Fertility enhancement | The lifetime maximum for fertility medications under the UnitedHealthcare plans will increase from $10,000 to $15,000. |
| New provider for life and disability benefits | Starting January 1, 2024, Stryker will have a new life and disability provider, Unum. Here are some important things to know:
If you have questions regarding your benefits or need to initiate a leave of absence, contact the myHR Team or 877 795 2002 for further information. |
* EOI will still be required for employees age 70 and above who wish to increase their life insurance coverage or enroll for the first time.
How to enroll
The Benefits Enrollment Site makes enrolling for your 2024 benefits quick and easy. All you need is an internet connection, a device (computer, tablet or smart phone) and a compatible internet browser (see list below).
To get started, visit the Benefits Enrollment Site beginning October 23, 2023. Use your Stryker email address and network password to log in.
Get help
If you have forgotten your Stryker network password, contact the IT Service Desk.
If you receive an error message when you try to log in, try the following:
- Double check the Benefits Enrollment Site URL.
- Use a compatible internet browser (the latest version of Google Chrome, Firefox, Microsoft Edge or Safari).
- Clear your browser cache. Open the settings in your internet browser and clear your history and website data. Then, close all browser windows and log in again.
If that doesn’t work or if you need other help, contact the myHR Team at 877 795 2002.
This is your once-a-year chance to make changes
You cannot change your 2024 benefit elections after Annual Enrollment, unless you experience a qualifying life event. Visit your Summary Plan Description or contact the myHR Team for more information.
Decision support
Benefits Enrollment Site
Log in to review your current benefit elections and choose your 2024 coverage.
2024 Annual Enrollment newsletter
Find important Annual Enrollment information, including what’s changing for 2024.
2024 Annual Enrollment presentation (video)
Watch this recorded presentation to learn about your plans and options in 2024.
Take health insurance 101 (video)
Watch a quick overview of how your benefits work, including your deductibles, copays, coinsurance and out-of-pocket maximum.
Benefits at a Glance (2024)
Learn more about your 2024 benefits.
Frequently asked questions
Find answers to common questions.
2024 monthly coverage costs
See an overview of your monthly costs for coverage in 2024.
Benefit options
2024 UHC plan comparison chart
Some costs are increasing for 2024. See how the costs compare.
| In-network benefit1 | UHC Choice PPO Plan |
UHC Value PPO Plan |
UHC Premium HSA Plan |
UHC Basic HSA Plan |
|---|---|---|---|---|
| Monthly costs | ||||
| Employee only | $154 | $135 | $117 | $63 |
| Employee + 1 | $301 | $262 | $220 | $84 |
| Family | $472 | $413 | $349 | $115 |
| HSA contribution from Stryker2 3 | ||||
| Employee only | None | None | $600 | $300 |
| Employee + 1 | None | None | $1,200 | $600 |
| Family | None | None | $1,200 | $600 |
| Deductible4 | ||||
| Employee only | $350 | $750 | $1,600 | $2,500 |
| Employee + 1 | $700 | $1,500 | $3,200 | $5,000 |
| Family | $1,050 | $2,250 | $3,200 | $5,000 |
| Out-of-pocket maximum | ||||
| Employee only | $2,950 | $4,250 | $5,000 | $6,450 |
| Employee + 1 | $5,900 | $8,500 | $10,000 | $12,900 |
| Family | $6,250 | $9,250 | $10,000 | $12,900 |
| Preventive care | Covered 100% | Covered 100% | Covered 100% | Covered 100% |
| Copay | ||||
| PCP | $25 | $25 | None – subject to deductible and coinsurance | None – subject to deductible and coinsurance |
| Specialist | $40 | $40 | None – subject to deductible and coinsurance | None – subject to deductible and coinsurance |
| ER | $150 | $150 | None – subject to deductible and coinsurance | None – subject to deductible and coinsurance |
| Coinsurance | Deductible, then 20% | Deductible, then 20% | Deductible, then 20% | Deductible, then 30% |
| Rx-retail/mail | ||||
| Tier 1 | $10/$25 | $10/$25 | Deductible, then 20% | Deductible, then 30% |
| Tier 2 | $25/$62.50 | $25/$62.50 | Deductible, then 20% | Deductible, then 30% |
| Tier 3 | $50/$125 | $50/$125 | Deductible, then 20% | Deductible, then 30% |
1The information shown here assumes in-network care and services. For more detailed plan information and out-of-network costs, view the Benefits at a Glance (2024).
2The HSA contribution from Stryker is made for all eligible employees enrolled in the plan for 2024.
3Direct temporary employees and interns are not eligible for Stryker’s HSA funding but are eligible to elect and contribute their own funds to the account.
4In the HSA plans, the total family deductible must be met before the plan covers any expenses. No one family member’s expenses are capped at an individual deductible amount.
Additional medical plan options
| Plan name | Only for | Administered by |
|---|---|---|
| BCBSAL Preferred Provider Organization (PPO) Plan | Alabama employees | Blue Cross and Blue Shield of Alabama |
| Kaiser Health Maintenance Organization (HMO) Plan | California employees | Kaiser Permanente |
| Hawaii Medical Service Association (HMSA) Plan | Hawaii employees | Hawaii Medical Service Association |
| Cigna International Expatriate Benefits Plan | Employees on international assignment for six months or more | Cigna |
| Out-of-Area Plan | Employees who live far away from a satisfactory PPO or HMO network | UnitedHealthcare |
The Benefits at a Glance gives you an easy way to explore your options. Take a look to see what’s available.
Take a deeper dive. See more on this site about:
Are your beneficiaries up to date?
Make sure your benefits go to the right person, in case the unexpected happens. You can confirm your beneficiary information online at any time throughout the year:
- 401(k): retirementplans.vanguard.com
- Critical Illness: enroll.stryker.com
- HSA: optumbank.com
- Life & AD&D: enroll.stryker.com
Legal notices
For more information, review your 2024 annual enrollment legal notices and disclosures, which include the following:
- Equal Opportunity and Affirmative Action Notice
- Summary Annual Report (SAR): Stryker Corporation Welfare Benefits Plan
- Notice Regarding Wellness Program
- Notice of Your Right to Request a Special Election Opportunity
- Women’s Health and Cancer Rights Act of 1998 Notice
- Notice of Creditable Status of Your Prescription Drug Coverage
- Notice: Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)