Overview

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.

2020 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
The Health Savings Account (HSA) medical plans put you in charge of your spending through lower employee contributions, 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.
UHC Choice PPO Plan and UHC Value PPO Plan
 
Administered by: UnitedHealthcare
These medical plans have higher employee contributions than the HSA Plans, but lower deductibles and out-of-pocket maximums.
If you live in Alabama, California or Hawaii, you may be eligible for different medical plan options. If you are traveling internationally, you may also be eligible for medical benefits through Cigna. For more information, see Additional medical plans under Plan comparison.

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.
  • Financial protection through annual out-of-pocket maximums that limit the amount you’ll pay each year.

Health Insurance 101

Plan comparison

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: $250
Employee + 1/Family: $500
Employee only: $500
Employee + 1/Family: $1,000
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
  1. 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 (2020).
  2. 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.
  3. 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.
  4. 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 (2020).

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 six months or more Cigna
UHC Out-of-Area Plan If there are no satisfactory PPO or HMO networks available in your area UnitedHealthcare

HSA plans

The UHC Premium HSA Plan and UHC Basic HSA Plan pair low employee contributions 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 a contribution from your paycheck for coverage.
  2. You pay nothing for in-network preventive care — it’s covered in full.
  3. When you need care:
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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.

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Deductible

You pay 100% of medical and prescription drug costs until you meet the annual deductible.

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Coinsurance

You and the plan share the cost of covered medical and prescription services after meeting the deductible.

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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.

iconMoney-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 in employee contributions 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’re keeping more of your paycheck by paying lower medical plan employee contributions, 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 contributions 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.

PPO plans

The UHC Choice PPO Plan and UHC Value PPO Plan offer lower deductibles and out-of-pocket maximums in exchange for higher employee contributions. 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 a contribution from your paycheck for coverage.
  2. You pay nothing for in-network preventive care — it’s covered in full.
  3. When you need care:
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Copay

You pay a small fee at the time of service for doctor visits and prescriptions.

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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.

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Coinsurance

After meeting the deductible, you and the plan share the cost of certain services.

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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.

You pay the plan premium from your paycheck to have coverage.

iconMoney-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.

Prescription drugs

When you enroll in a medical plan, you automatically receive prescription drug benefits through your medical plan provider.

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.

iconPrescription 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.

medication tiers

The cost of your prescription medications depends on the tier of the medication:

  • Generic — Generic medications contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.
  • Preferred brand — Preferred brand-name prescription medications are favored by a prescription plan based on medication effectiveness and cost.
  • Nonpreferred brand — Nonpreferred brand-name prescription medications are not on a prescription plan’s favored list (or formulary) based on medication effectiveness and cost. Nonpreferred medications still may be covered, but may require prior authorization and cost more.

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 medications 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 medications.
  • 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.
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Generic vs. Brand

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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.

Tools & resources

Take advantage of these valuable resources to better manage your health and financial wellbeing.

iconMedical Expense Estimator

Compare your medical plans side-by-side using the Medical Expense Estimator, so you can easily evaluate your options and choose with confidence. You can also estimate how much you should contribute to either the Health Savings Account (HSA) or Healthcare Flexible Spending Account (HCFSA), so you can maximize your tax savings. The Medical Expense Estimator can be accessed at work or at home, and on most mobile devices.

iconVirtual visits

Virtual visits are an easy way to contact trained medical professionals from anywhere for about the same cost as a primary care visit. Doctors can talk to you, evaluate your symptoms and even write prescriptions* — all from the comfort of your home or office. For more information, visit your medical provider’s web site, or call the number on the back of your ID card to learn more and find in-network virtual visit providers.

*Prescription services may not be available in all states.

iconNurselines

You can speak to a registered nurse 24 hours a day, seven days a week. In addition to general health questions, you can get information about your medications and treatment options, as well as get help finding a doctor, hospital or specialist.

Nurseline services are available from the following insurance carriers:

iconUnitedHealthcare Advocate

A UnitedHealthcare advocate is ready to help you between 8 a.m. to 8 p.m. your local time.

  • A UnitedHealthcare advocate can help with non-clinical issues such as general health education, claim questions and provider referrals.
  • Nurses are also available to assist with clinical concerns and treatment options.
  • Non-emergent care needs after business hours will be connected to a virtual visit within UnitedHealthcare’s provider network 24 hours a day, 7 days a week video and telephonic communication is available.

Call a UnitedHealthcare advocate today at 800 387 7508.

iconMaternity Support Programs

All medical plans at Stryker cover expenses for hospital stays or birthing centers and obstetrics provided by a doctor or certified nurse-midwife for pregnancy, childbirth or related complications. Through your medical provider, you may also receive additional maternity benefits.

The UnitedHealthcare (UHC) Maternity Support Program offers personalized support before, during and after your pregnancy. This program offers:

  • Preconception health and counseling,
  • Your own personal maternity nurse,
  • Pregnancy consultation to identify special needs, and
  • Educational materials (online and print).

The Maternity Support Program offers personal guidance through all stages of pregnancy and delivery. We specialize in working with moms experiencing normal pregnancy as well as moms who are high risk or experiencing pregnancy complications. UHC also offers the Neonatal Resource Services Program as part of the Maternity Support Program to help reduce neonatal costs and readmissions.

The Maternity Support Program is voluntary and covered as part of your UHC medical plan. You can enroll by calling 800-387-7508 and ask to speak with a nurse. As a program participant, you can call any time, 24 hours a day, seven days a week, with any questions or concerns you might have. To take full advantage of the UHC Maternity Support Program, you are encouraged to enroll within the first 12 weeks of your pregnancy. You can enroll any time up to your 34th week. For more information, visit the Maternity Support Program website, or download the UHC Healthy Pregnancy App from the Apple® App Store® or Google Play™ store.

BlueCross BlueShield of Alabama (BCBSAL) offers free assistance to expectant mothers through the Baby Yourself Maternity Program. The program includes a personal nurse that you can call with any questions or concerns throughout your pregnancy, support and educational material from a BlueCross registered nurse, experienced in prenatal care, labor and delivery and newborn care, and care coordination, including the arrangement of home health services when indicated, for high-risk pregnancies. You can enroll by calling 800-222-4379 (Monday – Friday: 7 a.m. – 6 p.m. Central) or by visiting the Baby Yourself Maternity Program website.

Kaiser Permanente offers a host of resources for expectant parents, including helpful newsletters, checklists and videos, as well as a 24-hour nurseline. You can also use Kaiser’s website to search for classes in your area, and to manage your pregnancy care, including emailing your doctor, making appointments and getting test results. For more information, visit the Kaiser website pregnancy page.

iconMedical Benefits Abroad

When you’re traveling internationally on business, Stryker wants to make sure you’re protected. Find out the details of our Cigna Medical Benefits Abroad program, and how to take advantage of this benefit.

iconMobile apps

Find these apps on the App Store or on Google Play:

  • The UnitedHealthcare app can help you find a physician, check the status of a claim, view your ID card and much more. Check out this flyer to learn more.
  • The UHC Healthy Pregnancy app lets you track your pregnancy milestones, stay informed about potential issues you may encounter at each stage, and connect with nurses any time for assistance.
  • EyeMed provides a convenient mobile app to help you manage your vision care needs.
  • The Delta Dental app helps you manage your dental health. Check out this flyer to learn more.

The tools below are available if you are enrolled in a UHC medical plan. Similar resources may be available from our other carriers. Contact your carrier for details. You can also visit the web sites below to download additional forms.

iconUHC myHealthcare Cost Estimator

If you are enrolled in a UHC medical plan, you have access to the myHealthcare Cost Estimator, a confidential tool that helps you compare out-of-pocket costs before you seek treatment. You can also compare each service with different providers, so you can choose the best combination of cost and quality for your situation. To get started, check out this brief introductory video or visit UnitedHealthcare and click on Estimate Health Plan Costs.

iconUHC Health Advantage

UHC Health Advantage provides a special support team with your own “nurse in the family” approach, along with various health services and resources at your fingertips. In the event that you or a covered family member are diagnosed with a health condition that requires complex care, or requires follow-up care after a recent hospital stay, you and your family will receive support from a dedicated team of nurses, clinicians and other specialized professionals to help you improve your health.

UHC Health Advantage provides specialized support for things such as:

  • Managing a chronic condition, such as diabetes, coronary artery disease, asthma, COPD or heart failure,
  • Those who have been diagnosed with a complex condition such as cancer or chronic kidney disease,
  • Treatment of back pain and musculoskeletal conditions,
  • Maternity support, and
  • Any other health-related concern you may have.

To learn more, check out this introductory video or contact UHC at 1-800-387-7508 or the UnitedHealthcare website.

iconHealth savings checkup tool

Get an estimate of how much you should be setting aside in the HSA for your retirement healthcare.

iconOptumBank HSA User Guide

The OptumBank HSA User’s Guide has everything you need to know about owning and managing your HSA through OptumBank.

iconOptumRx Drug Pricing Tool

If you are enrolled in or are considering enrolling in the UHC Basic HSA Plan or UHC Premium HSA Plan, the OptumRx drug pricing tool, you can look up the estimated cost of a medication based on the pharmacies located near you, which can help you make informed healthcare choices throughout the year. Please note, the costs provided are only estimates and your actual cost may vary.