Quality care built just for you.
Quality local doctors
We’ve worked with regional health
systems to build networks of doctors and
other providers just for Walmart associates.
Coordinated care
Your doctor is responsible for your
overall health care, and they coordinate your
care within the health system.
Low costs
Save money with either the lowest cost per pay period
with the Banner Local Plan, or the lowest deductible
in your area with the Mercy Arkansas Local Plan.
Copays make it easy to plan for medical costs. Plus, you don’t have to meet your deductible first.
- $0 for virtual primary care, urgent care or mental health visits with Doctor On Demand by Included Health
- $35 for primary care and mental health visits
- $75 for specialists
- $75 for urgent care
- $300 for emergency department, after your annual network deductible
You pay the full cost for any additional care you receive until you meet your deductible. After that, the plan pays 75% of eligible in-network costs.
One exception:
Walmart's Centers of Excellence program gives you access to some of the best specialists and facilities in the country. The program covers heart and spine surgeries, knee and hip replacements, treatment for many types of cancer, transplants, weight loss surgery, and fertility care. Treatment for many conditions comes at no cost to you. This includes travel and lodging for you and a caregiver. Learn more about Centers of Excellence.
Local Plan participants must use a Walmart or Sam’s Club Pharmacy to fill their prescriptions. These pharmacies offer all generic prescriptions for just $4.
You can also skip the pharmacy and get prescriptions by mail through Walmart Home Delivery Pharmacy. Keep in mind that maintenance medications, like those used to treat high blood pressure and diabetes, need to be filled at a Walmart or Sam’s Club pharmacy, or through Walmart Home Delivery. Your cost for a 90-day supply is three times the cost of a 30-day supply as shown above. Also, specialty medications are only available through Walmart Specialty Pharmacy.
Getting to a healthier you is easier with your virtual health benefits. You have access to a primary care doctor you can see online through Doctor On Demand by Included Health, and they can handle your family’s everyday health needs. They’re also there for you to manage chronic conditions such as diabetes, high blood pressure, and asthma. Plus, your virtual primary care doctor can connect you with mental health professionals and more. You can even get many prescriptions with just a video visit. You can also use other app-based programs for physical therapy and digestive health support. Many of these online services are available at no cost to you with the Local Plans.*
We’ve expanded this program so all associates and their families who are enrolled in the Premier, Contribution, Saver, or a Local Plan can use it as of Oct. 14, 2023, or starting Jan. 1, 2024 if you enroll during Annual Enrollment. Also starting Jan. 1, 2024, if your virtual primary care doctor orders lab work, you can choose to do some basic labs from the comfort of your home. Learn more at One.Walmart.com/VirtualCare.
Your annual deductible is the amount you’ll have to spend each year before the plan starts paying 75% of eligible costs. The amount depends on your plan:
- Banner Local Plan: $3,000 for you, or $6,000 for your family (with the lowest cost per pay period of all the plans offered)
- Mercy Arkansas Local Plan: $1,750 for you, or $3,500 for your family (the lowest deductible)
- If you cover dependents, all covered participants' expenses combine to help meet the family deductible.
To see your cost per pay period for all your medical plan options, see our Compare Plans page.
- During your initial enrollment period. This is when you first become eligible for benefits, and it depends on your job classification. See your personalized eligibility information at One.Walmart.com/BenefitsGuide.
- During Annual Enrollment, when all eligible associates can sign up or make changes at One.Walmart.com/Enroll.
- When you have an election change event, like a marriage or divorce, a birth or adoption, or a change in your employment that affects benefits eligibility. Keep in mind that you can only make changes that are directly related to the event. You’ll find details in the Associate Benefits Book.
- If you’re enrolled in a Medicare prescription drug plan, you’re not eligible to enroll in any Walmart-sponsored medical plan.
When it’s time, enroll online.
Here’s where these plans are available:
- Banner Local Plan: Phoenix, Arizona area
- Mercy Arkansas Local Plan: Northwest Arkansas and Fort Smith; McDonald County, Missouri
More resources
Need help?
Chat with a People Services Representative at One.Walmart.com/BenefitsChat or by calling 800-421-1362. 
See the 2024 Associate Benefits Book for more information about your benefits and eligibility. It will control over any conflicting information on this page.
