2023 Annual Enrollment: October 24 – November 4

Annual enrollment for your 2023 benefits begins October 24 and ends November 4, 2022 at 11:59 p.m. CT. Compare your options and create your plan for 2023 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 2023.
  • Check your current elections on enroll.stryker.com. The site has a new look, making it even easier to find the information you need and take action to enroll. To view your current benefit elections, click on the “Your Benefits Summary” button under Quick Links.
  • Consider your 2023 coverage needs. Will your needs change in 2023? Has it been a while since you compared your options? It’s easy to compare medical plan options with the 2023 Medical Expense Estimator.
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. This only takes a moment. Make sure the right person receives your life insurance and other death benefits if the unexpected happens.
  • Confirm your address and phone number in Workday. Make sure your Annual Enrollment materials go to the correct address.

*Dependent certification includes birth certificates for your children and/or your marriage certificate and 2021 tax return for your spouse. For other dependents or options, please 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.

Choose your benefits
  • Enroll on enroll.stryker.com between October 24 and November 4 at 11:59 p.m. CT. Once you enroll, 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 2023. Your current HSA or FSA payroll deduction will not roll over to 2023.
    • 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).
Provide documentation (if applicable)
  • Provide dependent certification for any dependents that you are newly enrolling in the health plan by November 11, 2022. If you do not provide the dependent certification documents, your dependent will be removed from your 2023 coverage.
  • Complete Evidence of Insurability (EOI) for your supplemental or spouse/domestic partner life insurance, if requested, by March 15, 2023. The Hartford will notify you in January if you must complete EOI.

Remember, this is your one chance to make changes.

You can only change your 2023 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).

What’s changing

Every year, we carefully review our benefits program. Our goal is to offer benefits programs that support your total wellbeing, make healthcare more affordable, help you prepare for retirement and protect your family from the unexpected.

The good news is, most of your benefits will stay the same in 2023. There will be a few new features and updates to think about as you’re making your elections.*

*Contact your carrier or view your 2023 plan certificates for additional details.

Benefit What’s changing
Stryker contributes more to your HSA

Stryker contributes* to your Health Savings Account (HSA) every year that you enroll in one of our HSA medical plans. It’s free money you can use on eligible healthcare expenses for yourself and your dependents, either now or in the future.

In 2023, Stryker will contribute even more! How much more will depend on your plan and coverage level.

  • UHC Premium HSA Plan
    • Employee only: $600 annually (up from $500)
    • Employee + 1/Family: $1,200 annually (up from $1,000)
  • UHC Basic HSA Plan
    • Employee only: $300 annually (up from $250)
    • Employee + 1/Family: $600 annually (up from $500)

*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.

Tax-advantaged account contribution limits

The Internal Revenue Service (IRS) has increased the amount you and Stryker can contribute to your HSA next year. The 2023 contribution limits are:

  • Individual: $3,850
  • Family: $7,750
  • Over age 55 “catch-up” contribution: $1,000
The Healthcare FSA limit will be $2,850 in 2023 and the Day Care FSA limit will remain at $5,000.
Standard lenses for less through EyeMed Your vision plan copay for standard lenses will be reduced from $25 to $20.
Higher maximum for your basic life insurance coverage

Stryker automatically offers you basic life and accidental death and dismemberment (AD&D) benefits at no cost to you at one times your eligible annual earnings. The maximum for this benefit will increase in 2023 from $425,000 to $500,000.

If your basic life and AD&D insurance coverage is currently limited due to the 2022 maximum of $425,000, your coverage amount will automatically update based on the new maximum amount.
Higher maximum for your supplemental life insurance coverage

You can purchase supplemental life insurance coverage from one times up to five times your eligible annual earnings. The maximum for this benefit will increase in 2023 from $1,000,000 to $1,500,000.

If your supplemental life coverage was previously capped at $1,000,000 and the current multiple you have elected makes you eligible for an additional amount, you will remain at the same multiple but your coverage and the rate that you pay will automatically update to reflect the new amount. If you would like to change your election, you must do so during Annual Enrollment.

Make sure to review your supplemental life elections each year as rates may change based on your age and income.
Higher life insurance maximums for your spouse/domestic partner

The life insurance maximums for spouse/domestic partner life insurance coverage are also increasing for 2023. You will now be able to elect up to $100,000 in spouse/domestic partner life insurance coverage (in $10,000 increments).

Now is the time to consider increasing your spouse/domestic partner life insurance if you would like to do so as The Hartford will allow you to elect up to $30,000 this Annual Enrollment without having to complete evidence of insurability (EOI). If you do make changes to your spouse/domestic partner life plan during Annual Enrollment this year and your spouse's/domestic partner's information is not currently on file, you will now be required to enter your spouse/domestic partner's name, date of birth and Social Security Number. Please make sure to have this information with you when you are making your spouse/domestic partner life elections. Note that you cannot elect spouse/domestic partner life insurance if your spouse/domestic partner is also a Stryker employee.

EOI will be required for coverage over $30,000. If your spouse/domestic partner needs to provide EOI, he or she will receive notification by mail in January from The Hartford.

Your cost for coverage
  • For medical plans: Your monthly cost will change for some plans in 2023.
  • For dental and vision plans: Your monthly cost of coverage will not change in 2023.
  • For critical illness, accident and hospital indemnity coverage: Your monthly cost of coverage will be less in 2023.
Additional UnitedHealthcare benefits
  • UHC plan participants will now have access to Kaia, an online physical therapy program that offers specialized support for back, joint and other musculoskeletal conditions. Kaia’s online platform provides access to digital programs, coaching and effective therapy when and where you need it using the Kaia app. You can access Kaia at no cost from myuhc.com beginning in January.
  • Acupuncture will now be covered under the UHC plans, up to a 30-visit per year limit.

How to enroll

The Benefits Enrollment Site makes enrolling for your 2023 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 24. Use your Stryker email address and network password to log in.

You may notice that the Benefits Enrollment Site has a new look. The refreshed site makes it easy to find the information you need and take action to enroll. Once you begin the enrollment process, the site will walk you through your health and FSA benefits. After completing these elections, you will have the opportunity to view and change your additional benefit options.

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 myHR at 877 795 2002.

This is your once-a-year chance to make changes

You cannot change your 2023 benefit elections after Annual Enrollment, unless you experience a qualifying life event. Visit your Summary Plan Description or contact your myHR Support team for more information.

Decision support

Use the Medical Expense Estimator and look through these resources to make an informed decision about your 2023 coverage.

Medical Expense Estimator

 

An easy, interactive way to compare your medical plan options.

Benefits Enrollment Site

 

Log in to review your current benefit elections and choose your 2023 coverage.

2023 Annual Enrollment newsletter

 

Find important Annual Enrollment information, including what’s changing for 2023.

Note: You must be on the Stryker network to access the newsletter.

2023 Annual Enrollment presentation

 

Watch this recorded presentation to learn about your plans and options in 2023.

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 (2023)

 

Learn more about your 2023 benefits.

Frequently asked questions

Find answers to common questions.

2023 monthly coverage costs

 

See an overview of your monthly costs for coverage in 2023.

Benefit options

2023 UHC plan comparison chart

Some costs are increasing for 2023. 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 $1,500 $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%

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 (2023).
2The HSA contribution from Stryker will be made for all eligible employees who are enrolled in an HSA medical plan in 2023.
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

*For more information on BCBSAL coverage, view the benefit summary.

The Benefits at a Glance is a great way to browse through your options. Take a few minutes for a refresher of what’s available.

Want to dive deeper? 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:

Legal notices

For more information, review your 2023 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)