Table of Contents
Stryker benefits summary
About this summary
Healthcare benefits
Participating in healthcare benefits
Eligibility
Ongoing eligibility
Dependents
Enrollment
Making changes
HIPAA special enrollment rights
Life event guide—healthcare
Your cost for healthcare benefits
Tobacco surcharge
Non-grandfathered status
When coverage begins
When coverage ends
COBRA: continuing healthcare coverage
Continuing healthcare coverage upon military leave
If you have other coverage
Medical benefits
Dental benefits
Other important information
Bundled payments
Medical benefits
Stryker's medical options
How the UnitedHealthcare plans work
Your choices for receiving care
Participating providers
UnitedHealth Premium℠ program
Eligible expenses
Your deductible
Your share in the cost of covered services
Your out-of-pocket maximum
Your medical benefits
Benefit maximums
Emergency room care
Special services and procedures
UHC Health Advantage Program
Prior authorization requirements for the UnitedHealthcare plans
Second surgical opinions
Clinical programs and resources
Consumer solutions and self-service tools
Expert medical opinion
Condition management services
Covered medical expenses
Maternity benefits
Benefits for outpatient rehabilitation services
Preventive care benefits
Acupuncture services
Ambulance services
Cellular and gene therapy
Diabetes services
Durable medical equipment (DME)
Enteral nutrition
Fertility services and fertility solutions (FS) program
Gender dysphoria
Hearing aids
Home healthcare
Hyperhidrosis treatment
Lab, X-ray and diagnostic - outpatient
Nutritional counseling
Mental health, substance-related and addictive disorder and neurobiological disorder services
Obesity surgery
Organ transplant benefits
Prosthetic devices
Skilled nursing facility/ inpatient rehabilitation facility services
Specialty pharmacy
Travel and lodging
Urinary catheters
Virtual care services
Wigs
Expenses not covered
How to obtain medical benefits
How to reach UnitedHealthcare
Medical plan definitions
Prescription drug benefits
How prescription drug benefits work
How prescription drug coverage works with the PPO Plans
How prescription drug coverage works with the Basic and Premium HSA Plans
Expenses covered at 100% under all UHC Plans
Covered expenses for all UHC Plans
Expenses not covered under all UHC Plans
How to obtain prescription drug benefits
Medical and Rx claims procedures
Medical and Rx benefits
Required information
Payment of benefits
Submitting medical or Rx benefit claims
Initial claim determinations
If you receive an adverse benefit determination
Review of an adverse benefit determination: what to do first
How to appeal a claim decision
Appeal process
Vision benefits
How vision benefits work
When you use participating EyeMed providers
If you use non-participating providers
Benefit frequency
Expenses not covered
How to obtain vision benefits
Time frames for processing out-of-network claims
Time frames for responding to appealed claims
Member grievance procedure
How to reach EyeMed
Dental benefits
How dental benefits work
Schedule of benefits
Covered dental expenses
Expenses not covered
How to obtain dental benefits
How payment is made
Claims determinations
How to reach Delta Dental
Dental plan definitions
Location-based provisions
Alabama
Healthcare benefits
Eligibility
Ongoing eligibility
Other information
California
Healthcare benefits
Eligibility
Ongoing eligibility
Other information
Hawaii
Healthcare benefits
Eligibility
Ongoing eligibility
Other information
Medical Benefits Abroad
International Plan
Healthcare benefits
Other information
Flexible spending accounts
How FSAs work
Enrolling in an FSA
Life event guide – FSA
The importance of estimating carefully
When FSA participation ends
Healthcare Flexible Spending Account (HCFSA)
How much you can contribute
Eligible expenses
Expenses not covered
Failure to cash reimbursement checks
Qualified reservist distribution
HCFSA claim procedures
Day Care (child and adult) Flexible Spending Account (DCFSA)
How much you can contribute
Eligible expenses
Expenses not covered
Failure to cash reimbursement checks
The federal tax credit
How to obtain DCFSA benefits
Health Savings Account
Eligibility
Eligibility
Enrolling in an HSA
When contributions begin
When HSA contributions stop
How HSAs work
HSA contributions
Eligible expenses
HSA withdrawals
Investment options
Additional information about the HSA
Life and AD&D insurance coverage
Coverage at a glance
Disability coverage
Coverage at a glance
401(k) Retirement Plan
401(k) Plan (Non-Sales Rep Employees)
Overview of the Plan
Your accounts
Your benefits
Tax deferral
Contacting Vanguard
Eligibility
Contributions to the Plan
Company discretionary contributions
Pay deferral contributions and Roth pay deferral contributions
Catch-Up contributions
Company matching contributions
Roth in-Plan conversions
Compensation
Rollovers
Vesting
Vested interest in your accounts
Forfeitures
Vesting rules upon reemployment
Vesting breaks in service
Plan investments
Investment of your accounts
Valuation and adjustment of your accounts
Distributions from the Plan
When benefits are distributed
Severance from employment for a reason other than death
Forms of distribution of benefits
Distribution of benefits upon death
Beneficiary
Income tax withholding/direct rollovers
Excise tax on certain early distributions
Tax consequences of Roth distributions
Election to receive distribution of Stryker stock
Loans and withdrawals
Hardship loans
Hardship withdrawals
Qualified reservist distributions
Withdrawals after age 59-1/2
Rollover account withdrawals
CARES Act
Other important Plan information
Top-heavy status of the Plan
Distributions under Qualified Domestic Relations Orders
Benefits are not insured
Claims and appeals
Termination or amendment of the Plan
Your rights as a participant
Additional information
Special provisions applicable to eTrauma participants
Special provision applicable to PlasmaSol participants
Special provision applicable to Porex Surgical, Inc. participants
Special provision applicable to Boston Scientific Corporation participants
Special Provision applicable to Gaymar Industries, Inc. participants
Special provisions applicable to divested Biotech participants
Acquisitions after September 30, 2012
401(k) Plan (Sales Reps)
Overview of the Plan
Your accounts
Your benefits
Tax deferral
Contacting Vanguard
Eligibility
Contributions to the Plan
Pay deferral contributions and Roth pay deferral contributions
Catch-Up contributions
Company matching contributions
Roth in-Plan conversions
Compensation
Rollovers
Vesting
Vested interest in your accounts
Forfeitures
Vesting rules upon reemployment
Vesting breaks in service
Plan investments
Investment of your accounts
Valuation and adjustment of your accounts
Distributions from the Plan
When benefits are distributed
Severance from employment for a reason other than death
Forms of distribution of benefits
Distribution of benefits upon death
Income tax withholding/direct rollovers
Excise tax on certain early distributions
Tax consequences of Roth distributions
Election to receive distribution of Stryker stock
Loans and withdrawals
Hardship loans
Hardship withdrawals
Qualified reservist distributions
Withdrawals after age 59-1/2
Rollover account withdrawals
CARES Act
Other important Plan information
Top-heavy status of the Plan
Distributions under Qualified Domestic Relations Orders
Benefits are not insured
Claims and appeals
Termination or amendment of the Plan
Your rights as a participant
Additional information
Special provisions applicable to eTrauma participants
Special provision applicable to PlasmaSol participants
Special provision applicable to Porex Surgical, Inc. participants
Special provision applicable to Boston Scientific Corporation participants
Special Provision applicable to Gaymar Industries, Inc. participants
Special provisions applicable to divested Biotech participants
Acquisitions after September 30, 2012
Additional benefits
Adoption Assistance Plan
How adoption assistance benefits Work
Expenses not covered
How to obtain adoption assistance benefits
Employee Assistance Program (TELUS Health)
Strive for Wellbeing program
Your rights and responsibilities
The Family and Medical Leave Act
Qualified medical child support orders
Patient protection notices
Time limits for claims filings
Subrogation and reimbursement
Assignment of benefits
Payment of benefits
Overpayment and underpayment of benefits
Medicare Crossover program
Other information
Your rights under ERISA
Contacts
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Summaries of Material Modifications (SMMs) for acquired companies
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