Stryker's medical options
Stryker offers most employees two UnitedHealthcare PPO plans-the Choice PPO and the Value PPO, and two UnitedHealthcare HSA plans-the Basic HSA Plan and the Premium HSA Plan. However, depending on where you live, you may have alternative options.
UnitedHealthcare manages Stryker's PPO and HSA Plan network. UnitedHealthcare is also the claims administrator for the PPO plans, HSA plans and the Out-of-Area plan.
Your options are described below.
A PPO (Preferred Provider Organization) is a managed care arrangement that allows you to choose in- or out-of-network care each time you need a medical service or supply. When you use in-network providers, PPO plans pay a higher percentage of covered charges.
If you enroll in a traditional UHC PPO plan (including the UHC Choice, UHC Value or UHC Out-of-Area plan), you will not be eligible to participate in a Healthcare Savings Account (HSA).
The Basic and Premium HSA Plans work much like the traditional PPOs. You choose in- or out-of-network care each time you need a medical service or supply. When you use in-network providers, the HSA plans pay a higher percentage of covered charges.
The HSA plans offer a tax-advantaged health savings account (HSA), which gives you more control over how you spend and save your healthcare dollars. See the Health Savings Account section for more information.
If you enroll in an UHC HSA plan, you will not be eligible to participate in a Healthcare FSA.
If you reside in an area offering an alternative medical option, see the Location-based provisions section for more information.
While the UnitedHealthcare PPO and HSA options are available to employees in most Stryker locations, in the following states, alternative medical plans are offered:
- Alabama-The BCBS of Alabama PPO plan and the UnitedHealthcare options are offered in Alabama. If you enroll in the BCBS of Alabama PPO plan, your prescription drug benefits will be provided through BCBS of Alabama and you will not be eligible for a Health Savings Account (HSA).
- California-The Kaiser Permanente HMO is offered as an alternative to the UnitedHealthcare PPO and HSA options. If you select the HMO, your prescription drug benefits are provided through Kaiser Permanente and you will not be eligible for a Health Savings Account (HSA).
- Hawaii-The HMSA plan is the only medical plan offered in Hawaii. The UnitedHealthcare PPO and HSA options are not available in Hawaii. If you enroll in the HMSA plan, your prescription drug benefits will be provided through HMSA and you will not be eligible for a Health Savings Account (HSA).
You are eligible for the Out-of-Area plan if there are no satisfactory PPO or HMO networks available in your area. Benefits are payable for covered health services that are provided by or under the direction of a physician or other provider regardless of their network status. This plan does not provide a network benefit level or an out-of-network benefit level.