2021 annual enrollment: October 26 – November 6

Annual enrollment for your 2021 benefits begins October 26 and ends November 6, 2020 at 11:59 p.m. Central time. This is your annual opportunity to review your needs and select the benefits that provide the best coverage and value for you and your family.

Your annual enrollment checklist

If you’re not sure where to start, review the enrollment checklist below or download a printable enrollment checklist.

iconReview
iconPrepare
  • Check your dependents. Make sure you have Social Security numbers and other dependent certification information for any newly added dependents.*
  • Confirm or update your address and phone number in Workday so that your annual enrollment materials are sent to the correct place.
iconChoose
  • Enroll on enroll.stryker.com between October 26 and November 6, 2020 at 11:59 p.m. CT.
  • You will need to take action if you want to:
    • Update or change your existing medical, dental or vision coverage
    • Update your life insurance elections and beneficiaries, if needed.
    • Update your tobacco status to avoid the annual $600 Tobacco Use Surcharge in 2021. You will only need to do this if you will be enrolled in a Stryker medical plan in 2021.
    • Choose your contribution amount if you want to contribute to an HSA or FSA in 2021. Your current HSA or FSA payroll deduction will not roll over to 2021.
  • Print your confirmation statement.
iconProvide documentation (if applicable)
  • Provide proof of your dependent’s status for any newly added dependents by November 13, 2020. If you don’t provide the dependent certification documents for any newly added dependents, your dependent will be removed and will not receive coverage for the 2021 plan year.
  • Complete Evidence of Insurability (EOI) for your supplemental life insurance, if requested by The Hartford, by March 15, 2021. You will receive further information regarding this from The Hartford in January if it is required.

Consider your benefits carefully, since they will be in effect for the entire 2021 plan year. You cannot change your benefits mid-year unless you have a qualifying life event, in which case you can typically 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 2019 tax return for your spouse. (For other dependents or options, please read this proof of dependent eligibility summary or contact myHR. 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.

2021 changes

Every year, we take a close look at our benefits program. We consider changes to the program that will better support your total wellbeing, while also meeting our business and regulatory obligations.

Most of your benefits will stay the same in 2021. There will be a few new features and updates to think about as you’re making your elections.

BenefitWhat’s changing
Contribution limitsThe IRS has increased the contribution limits for the Health Savings Account (HSA).

For the HSA, the amount you and Stryker can contribute in 2021 is:
  • Individual: $3,600
  • Family: $7,200
  • Over age 55 “catch-up” contribution: $1,000
For the Healthcare Flexible Spending Account (HCFSA), the limit is $2,750.
Vision plan enhancementIn the EyeMed vision plan, the contact lens allowance will increase from $130 to $150 per year.
Domestic partner/civil union BCBSAL coverage expansionIf you are enrolled in the Blue Cross Blue Shield of Alabama (BCBSAL) medical plan, you will now be able to cover a domestic partner and their children.

Domestic partners are defined as same-sex and different-sex couples who are registered with any state or local jurisdiction recognizing these relationships, or who meet the requirements listed in the Stryker Domestic Partner Affidavit, which you can find in your Summary Plan Description.
Your cost for coverage

Your monthly cost for coverage in the UHC medical plans, the Delta Dental plan and the EyeMed vision plan will remain the same in 2021. See your pre-enrollment newsletter for more details or cost information if you are enrolled in a different medical plan. Log on to enroll.stryker.com during annual enrollment for your supplemental health, supplemental life or for part-time costs for health plan coverage. You can also contact myHR for more details.

Review your 2021 costs of coverage for:

How to enroll - at home or work

The Benefits Enrollment Site makes enrolling for your 2021 benefits quick and easy. You can enroll from anywhere using a computer, tablet or smartphone with an internet connection and a compatible internet browser (see list below). Visit the Benefits Enrollment Site beginning October 26. Your login information will be your Stryker email address and network password. If you have forgotten your Stryker network password, contact the Stryker IT Service Desk.

If you receive an error message, try the following:

  • Confirm that you're using the correct Benefits Enrollment Site URL.
  • Confirm that you're using a compatible internet browser (the latest version of Google Chrome, Firefox, Microsoft Edge and Safari, or Internet Explorer 11 and above).
  • Clear your browser cache by opening the settings in your internet browser and clearing your history and website data. Then, close all browser windows and log in again.

If you're still getting an error, contact myHR at 877 795 2002 for additional assistance.

Please note that if you are on a leave of absence, you must still enroll between October 26 and November 6, 2020.

iconMaking changes to your benefits

In most cases, you cannot change your benefit elections outside of annual enrollment. However, you may be permitted to add or drop a dependent, or enroll for or drop coverage, if you experience a qualifying life event. Visit your Summary Plan Description or contact your myHR Support team for more information.

Decision support

Choosing the right plans matters to your health and your financial wellbeing. Use these resources to explore the benefits available to you and select the best options for you and your family.

2021 UHC plan comparison chart

Great news! There are no changes to the UHC plan designs or monthly costs for 2021.

In-network benefit1 UHC Choice PPO Plan UHC Value PPO Plan UHC Premium HSA Plan UHC Basic HSA Plan
2021 monthly costs
Employee only $148 $130 $111 $60
Employee + 1 $290 $251 $209 $80
Family $454 $396 $333 $110
HSA contribution from Stryker2 3
Employee only None None

$500

$250

Employee + 1 None None

$1,000

$500

Family None None

$1,000

$500

Deductible4
Employee only $350 $750 $1,500 $2,500
Employee + 1 $700 $1,500 $3,000 $5,000
Family $1,050 $2,250 $3,000 $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%
  1. The 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 (2021).
  2. The HSA contribution from Stryker is made for both employees new to the HSA plan, and employees who were enrolled in the plan last year.
  3. Direct 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.
  4. In 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

iconBCBSAL Preferred Provider Organization (PPO) Plan
iconKaiser Health Maintenance Organization (HMO) Plan
iconHawaii Medical Service Association (HMSA) Plan
iconCigna International Expatriate Benefits Plan
  • For: Employees on international assignment for six months or more
  • Administered by: Cigna
iconUHC Out-of-Area Plan
  • For: If there are no satisfactory PPO networks available in your area
  • Administered by: UnitedHealthcare

There will be some changes to the amount you pay for the BCBS of Alabama (BCBSAL), Hawaii Medical Service Association (HMSA) and Kaiser California HMO plans. Please review the chart below to see your 2021 monthly costs for these plans.

BCBSAL HMSA Kaiser Permanente of
Northern California
Kaiser Permanente of
Southern California
2021 monthly costs
Employee only $130 $28 $172 $142
Employee +1 $240 $279 $316 $250
Family $354 $434 $497 $370

For more details on these plans, see the Benefits at a Glance (2021).

Dental

Dental

  • Your cost of coverage will remain the same for 2021.

Vision

Vision

  • Your cost of coverage will remain the same for 2021.

Tax-advantaged accounts

Tax-advantaged accounts

  • Health Savings Account (HSA)
  • Flexible Spending Accounts (FSAs)

Supplemental health benefits

Supplemental health benefits

  • Critical illness insurance
  • Accident insurance
  • Hospital indemnity insurance

Life insurance

Life insurance

  • Your cost for coverage will be listed on the Benefit Enrollment site. Each year, you should evaluate your life insurance elections and make sure that you have an up-to-date beneficiary on file.

Legal notices

For more information, review your 2021 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)