To support your health and financial wellbeing, we provide valuable benefits that help you and your family stay healthy and pay for care in the event of illness or injury.
2023 medical plans:
Our benefits program includes medical plan options with a range of coverage levels and costs designed to meet the diverse needs of our employees.
| Plan | Description |
|---|---|
| UHC Premium HSA Plan and UHC Basic HSA Plan
Administered by: UnitedHealthcare
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The Health Savings Account (HSA) medical plans put you in charge of your spending through lower employee paycheck costs, higher deductibles and out-of-pocket maximums, and a tax-free Health Savings Account with contributions from Stryker. This allows you to only pay for the health care that you actually use instead of paying more for coverage that you may not need.
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| UHC Choice PPO Plan and UHC Value PPO Plan
Administered by: UnitedHealthcare
|
These medical plans have higher employee paycheck costs than the HSA Plans, but lower deductibles and out-of-pocket maximums. |
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If you live in Alabama, California or Hawaii, you may be eligible for different medical plan options. If you are travelling on business internationally, you may also be eligible for medical benefits through Cigna. For more information, see Additional medical plans under Plan comparison.
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Key features at a glance
All our medical plans provide:
Comprehensive, affordable coverage
that fulfills the requirements of the health care reform law.
Free in-network preventive care,
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
Prescription drug coverage
included with each medical plan. Learn more about your prescription drug coverage.
Financial protection
through annual out-of-pocket maximums that limit the amount you’ll pay each year on eligible expenses.
Save money
Access health resources
Health insurance 101
Personalized healthcare support
Included Health is a confidential service available at no cost for our medical plan participants. It can ease your healthcare journey by putting personalized healthcare support at your fingertips. Learn more.
LGBTQ+ benefits
Included Health's LGBTQ+ Health program brings dedicated, one-on-one care support and assistance in accessing culturally competent, high-quality healthcare year round. It is available to all U.S. benefits-eligible employees and dependents, even those not enrolled in our medical coverage. Learn more.
For more details, see the Summary Plan Description (SPD) or Benefits at a Glance (2023).
| In-network benefit1 | UHC Basic HSA Plan | UHC Premium HSA Plan | UHC Value PPO Plan | UHC Choice PPO Plan |
|---|---|---|---|---|
| HSA eligible | Yes | Yes | No | No |
| HSA contribution from Stryker2 |
Employee only: $300
Employee + 1/Family: $600
|
Employee only: $600
Employee + 1/Family: $1,200
|
None | None |
| Preventive care | Covered at 100% in-network | |||
| Deductible3 | Your costs | |||
| Employee only | $2,500 | $1,500 | $750 | $350 |
| Employee + 1 | $5,000 | $3,000 | $1,500 | $700 |
| Family | $5,000 | $3,000 | $2,250 | $1,050 |
| Out-of-pocket maximum | Your costs | |||
| Employee only | $6,450 | $5,000 | $4,250 | $2,950 |
| Employee + 1 | $12,900 | $10,000 | $8,500 | $5,900 |
| Family | $12,900 | $10,000 | $9,250 | $6,250 |
| Copays | Your costs | |||
| Primary Care Physician | None — subject to deductible and coinsurance | None — subject to deductible and coinsurance | $25 | $25 |
| Specialist | None — subject to deductible and coinsurance | None — subject to deductible and coinsurance | $40 | $40 |
| ER | None — subject to deductible and coinsurance | None — subject to deductible and coinsurance | $150 | $150 |
| Coinsurance | Deductible, then 30% | Deductible, then 20% | Deductible, then 20% | Deductible, then 20% |
| Rx — retail/mail | Your costs | |||
| Tier 1 | Deductible, then 30%4 | Deductible, then 20%4 | $10/$25 | $10/$25 |
| Tier 2 | Deductible, then 30%4 | Deductible, then 20%4 | $25/$62.50 | $25/$62.50 |
| Tier 3 | Deductible, then 30%4 | Deductible, then 20%4 | $50/$125 | $50/$125 |
- The information shown here assumes in-network care and services. For more detailed plan information, premiums and out-of-network costs, view your Benefits at a Glance (2023).
- Direct temporary employees and interns that are eligible for Stryker’s medical plan are not eligible for the Stryker HSA contribution. You can still elect and contribute your own funds to the account if you fall into one of these categories.
- 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.
- In the HSA plans, there are no copays for prescription drugs. Instead, you pay 100% of the costs for non-preventive prescription drugs, until you meet the HSA plan’s deductible.
Additional medical plans
Different medical plan options may be available if you live in one of the locations below. For more details on these plans, see the Summary Plan Description (SPD) or Benefits at a Glance (2023).
| Plan name | For | Administered by |
|---|---|---|
| BCBSAL Preferred Provider Organization (PPO) Plan | Alabama employees only | Blue Cross and Blue Shield of Alabama |
| Kaiser Health Maintenance Organization (HMO) Plan | California employees only | Kaiser Permanente |
| Hawaii Medical Service Association (HMSA) Plan | Hawaii employees only | Hawaii Medical Service Association |
| Cigna Medical Benefits Abroad Plan | Employees traveling internationally on company business for less than 6 months | Cigna |
| Cigna International Expatriate Benefits Plan | Employees on international assignment for 6 months or more | Cigna |
| UHC Out-of-Area Plan | If there are no satisfactory PPO or HMO networks available in your area | UnitedHealthcare |
Transparency in Coverage
The Transparency in Coverage Final Rules require certain group health plans to disclose on a public website information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine-readable files (MRFs). UnitedHealthcare creates and publishes the MRFs on behalf of Stryker. Note: the format (.JSON) of these files is intended to be read by a machine and is likely not compatible with common user interfaces.
The MRFs for the benefit package options under the Stryker Corporation Welfare Benefits Plan can be accessed at transparency-in-coverage.uhc.com.
The UHC Premium HSA Plan and UHC Basic HSA Plan pair low employee paycheck costs and high deductible medical coverage with a tax-free Health Savings Account (HSA) that helps you save up for future expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices. Plus, you get a contribution from Stryker!
With these plans, you can choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally receive higher benefits when you use in-network providers.
The HSA plan
How it works
1. You pay for coverage through a paycheck deduction.
2. You pay nothing for in-network preventive care — it’s covered in full.
3. When you need care:
Plan ahead with your HSA
Set aside tax-free money from your paycheck to pay for eligible out-of-pocket expenses now or in the future. You also receive a contribution from Stryker.
Deductible
You pay 100% of medical and prescription drug costs until you meet the annual deductible.
Coinsurance
You and the plan share the cost of covered medical and prescription services after meeting the deductible.
Out-of-Pocket Maximum
You’re protected with an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Prescription drug coverage
In the HSA plans, there are no copays for prescription drugs. Instead, you pay 100% of the costs for non-preventive prescription drugs, until you meet the HSA plan’s deductible. Remember the HSA and your HSA contribution from Stryker are there to help you pay these costs.
Keep in mind that in the HSA Plans, we cover certain core preventive medications before the deductible is met, meaning you only pay the appropriate coinsurance until you meet your out-of-pocket maximum.
Money-saving tip
Use your HSA to budget for deductibles and other out-of-pocket expenses while also saving money—your HSA contributions are tax-free!
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
Budgeting for your costs
With the UHC Premium HSA and UHC Basic HSA Plans, you pay less from your paycheck and assume more financial responsibility when you receive care. So, it’s important to plan ahead for your out-of-pocket expenses. Here are some ideas to consider:
- Think about your costs. Contribute at least enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance. Remember — because you are paying less from your paycheck for medical coverage, you may have extra money available to put in your HSA.
- Plan ahead. You can only spend HSA money that’s actually been deposited into your account. Adjust your paycheck costs as necessary during the year to make sure you have money available when you need it. And if you don’t, remember to reimburse yourself later so you take full advantage of your HSA’s tax savings.
- Look long term. You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.
The UHC Choice PPO Plan and UHC Value PPO Plan offer lower deductibles and out-of-pocket maximums in exchange for higher costs from your paycheck. You are not eligible for the triple tax-advantaged health savings account if you enroll in one of these plans.
You can choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally receive higher benefits when you use in-network providers.
How it works
1. You pay for coverage through a paycheck deduction.
2. You pay nothing for in-network preventive care — it’s covered in full.
3. When you need care:
Copay
You pay a small fee at the time of service for doctor visits and prescriptions.
Deductible
For care that doesn't require a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services.
Out-of-Pocket Maximum
You're protected by an annual limit on costs – the plan pays 100% of any further covered expenses for the rest of the year.
Money-saving tip
If you have a Healthcare Flexible Spending Account (HCFSA), take advantage of the tax-free savings when paying for care. And, keep in mind, the money in your FSA does not carry over to the next plan year. You must “use it or lose it.” So be sure to plan carefully.
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
When you enroll in a medical plan, you automatically receive prescription drug benefits through your medical plan provider.
- For a side-by-side comparison of prescription drug coverage in the UHC plans, see the Plan Comparison section. You can also find the list of covered medications on the prescription drug list. Click on “Standard Drug Lists,” then “Advantage Tier 3 Prescription Drug List for UnitedHealthcare, Neighborhood Health Plan, River Valley, All Savers, and Oxford medical plans (pdf)".
- For more details, see the Summary Plan Description (SPD) or Benefits at a Glance (2023).
Preventive medications
Our medical plans cover preventive care at no cost to you — including certain ACA preventive medications. In addition, for the HSA Plans, we cover certain core preventive medications before the deductible is met, meaning you only pay the appropriate coinsurance until you meet your out-of-pocket maximum.
Prescription drug coverage in the HSA plans
In the HSA plans, there are no copays for prescription drugs. Instead, you pay 100% of the costs for non-preventive prescription drugs, until you meet the HSA plan’s deductible. Once the deductible is met, you pay a portion of the cost (co-insurance). Remember the HSA and your HSA contribution from Stryker are there to help you pay these costs.
Drug tiers
The cost of your prescription drugs depends on the tier of the medication:
- Tier 1: Lower-cost medications that provide the highest overall value. Mostly generic drugs. Some brand-name drugs may also be included.
- Tier 2: Mid-range cost medications that provide good overall value. A mix of brand name and generic drugs.
- Tier 3: Highest-cost medications that provide the lowest overall value. Mostly brand-name drugs, as well as some generics.
Mail order
For ongoing maintenance medication, you can take advantage of the convenience and cost savings of using the mail order program.
Why use mail order:
- Prescriptions are shipped to you for free — no waiting in line at the pharmacy.
- You save money with a reduced cost for a three-month supply.
- You can set up automatic refills.
Save money
The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save on your cost of prescriptions.
- Ask your doctor about generic medications. Generic medications are generally just as effective as brand-name medications, yet the cost of generics is substantially lower, both for you and the plan. They typically cost between 30% and 75% less than brand-name drugs.
- Use the plan’s mail order feature. If you regularly take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the mail order prescription program is a convenient and money-saving option for you.
Generic vs. Brand
Specialty drugs
Specialty pharmacies provide medications that are used to treat certain complex conditions. Some providers have established a network of retail pharmacies experienced in dispensing and monitoring these special medications. To learn more, contact your provider.
Review coverage
