Medical Expense Estimator
An easy, interactive way to compare your medical plan options.
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.
Get started with your Annual Enrollment checklist below.
Remember to print or take a screenshot of your confirmation statement before you leave the enrollment site.
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.
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.
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.
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:
If that doesn’t work or if you need other help, contact the myHR Team at 877 795 2002.
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.
An easy, interactive way to compare your medical plan options.
Log in to review your current benefit elections and choose your 2024 coverage.
Find important Annual Enrollment information, including what’s changing for 2024.
Watch this recorded presentation to learn about your plans and options in 2024.
Watch a quick overview of how your benefits work, including your deductibles, copays, coinsurance and out-of-pocket maximum.
Learn more about your 2024 benefits.
Find answers to common questions.
See an overview of your monthly costs for coverage in 2024.
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.
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:
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:
For more information, review your 2024 annual enrollment legal notices and disclosures, which include the following: