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 Cellular and gene therapy Diabetes services Enteral nutrition Home healthcare Skilled nursing facility/ inpatient rehabilitation facility services Mental health, substance-related and addictive disorder and neurobiological disorder services Organ transplant benefits Acupuncture services Ambulance services Durable medical equipment (DME) Gender dysphoria Hearing aids Hyperhidrosis treatment Fertility services and fertility solutions (FS) program Lab, X-ray and diagnostic - outpatient Nutritional counseling Obesity surgery Prosthetic devices 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 Cary, Illinois 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 Health Savings Account (HSA) participation 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 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 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 (LifeWorks) 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 Print a section Archives Summary Annual Reports Summaries of Material Modifications (SMMs) for Acquired Companies Site Map Search Results