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.

2024 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 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.
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.
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.

Coming soon: Form 1095-C

If you are enrolled in a Stryker medical plan, you will receive a Form 1095-C in February for you and your covered dependents with your coverage information.
Visit enroll.stryker.com, then under the "Recommended" section, click on "Get Your 1095c Medical Tax Form".

Key features at a glance

All our medical plans provide:

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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.

Health insurance 101

Personalized health advocacy support

Included Health is a confidential service that can ease your healthcare journey by providing personalized support at your fingertips. They provide expert second medical opinions, assist in finding high quality, in-network providers, and access to medical advice. This is all available at no cost for our medical plan participants. Learn more.

Black Health

Included's Black Health program is designed to connect Black members to vetted, affirming and high-quality care. It is available to all U.S. benefit-eligible employees who identify as Black and their dependents, even those not enrolled in our medical coverage. 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. benefit-eligible employees and dependents, even those not enrolled in our medical coverage. Learn more.

 

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: $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 $1,600 $750 $350
Employee + 1 $5,000 $3,200 $1,600 $700
Family $5,000 $3,200 $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 (2024).
  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 (2024).

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.

 

HSA plans

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:

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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.

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.
 

PPO plans

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:

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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.

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.

 

Prescription drugs

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 (2024).

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.