• During your initial enrollment period. This is when you first become eligible for benefits and 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 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.
• If you work in CA, KY, LA, MS, NJ, TN, WA, WV this plan will be discontinued at the end of 2026, so it’s no longer available for enrollment.

When it’s time, enroll online.

This plan features a health reimbursement account, or HRA. You’ll get Walmart dollars to help pay for eligible medical expenses: $250 each year for yourself only​​ or $500 for yourself and your covered dependents. These Walmart dollars are used automatically when you get eligible care. For example​​ when your provider files a medical claim for you, the amount you’re responsible for will be paid using your available Walmart dollars. These payments are also applied to your deductible. 

Once you meet your deductible, the plan starts paying up to 75% of eligible costs for most in-network services.

If you have any Walmart dollars left over at the end of the year, they’ll roll over to the next year as long as you’re still enrolled in the Contribution HRA Plan, up to the amount of your plan deductible. But if you switch to another plan or leave the company, you can’t take your Walmart dollars with you.

Associates who work in CA, KY, LA, MS, NJ, TN, WA, WV: If you’re enrolled in the Contribution HRA Plan in one of these states, your plan will be discontinued at the end of 2026. Any Walmart dollars remaining in your health reimbursement account on Jan. 1, 2027, will still be available for eligible medical expenses incurred on or before Dec. 31, 2026. Any Walmart dollars left after all eligible 2026 expenses are paid will be forfeited.

You​ get 100% coverage for eligible preventive care when you see ​​​providers ​in your network. Preventive care includes things like annual checkups, vaccinations, mammograms, and other ​​​​​​​​tests to help keep you well.​​​

You can visit IncludedHealth.com/Walmart to find an in-network provider. Or go to DoctorOnDemand.com/Walmart to connect with a virtual primary care provider for ​​​​your ​​​​preventive​​ health care needs.

You pay the full cost for most other care you receive until you meet your deductible. After that​ ​​​the plan pays up to 75% of eligible in-network costs and 50% of eligible out-of-network costs for most services.​​

The Centers of Excellence program gives you access to specialists at some of the best facilities in the country. The program covers heart and spine surgeries, knee and hip replacements, organ and tissue transplants, weight loss surgery, fertility care, certain rare conditions, and a medical records review for most cancer diagnoses. For many covered services, evaluation and treatment may be provided at no cost to you with the Contribution HRA Plan. Travel and lodging may also be covered for you and an adult caregiver, if applicable.

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You must use a Walmart or Sam’s Club Pharmacy to fill your prescriptions. These pharmacies offer all prescriptions on the formulary’s Zero Dollar list for a $0 copay.​​

For medications on the formulary’s Copay list, you’ll pay:

• Up to $4 for generic
• Up to $50 for brand-name
• Up to $250 for specialty

You can also skip the pharmacy and get prescriptions by mail ​​​​​​​​​​​​​through Walmart Home Delivery​ Pharmacy​. Your cost for a 90-day supply​ through home delivery​ is three times the cost of a 30-day​ supply at the pharmacy​. Also, specialty medications are available only through Walmart Specialty Pharmacy.

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Virtual care visits can help you prioritize your mental health or manage conditions such aslike diabetes, high blood pressure, or asthma.

You can conveniently connect with a provider through Doctor On Demand by Included Health—anytime, anywhere. In addition to primary and urgent care, you can access virtual tools for digestive health and physical therapy. These virtual services are available at no cost to you when enrolled in the Premier PPO, Saver HSA, Contribution HRA, or Personalized Wellbeing Copay Plans.

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Finding​​​​ ​​a quality provider is one of the most important decisions you can make for your well-being.​​​​​​​​​​​ We’ve made it easy for you to find a quality network provider using transparent ratings based on provider history of proper care, procedures, and ​​better ​​patient health outcomes. 

Learn more at One.Walmart.com/​QualityProviders​​​, or find them at IncludedHealth.com/Walmart

Your annual deductible is $1,750 for yourself, or $3,500 for yourself and your covered dependents. This is the amount you’ll have to spend each year before the plan starts paying up to 75% of eligible costs. If you cover dependents, all covered participants' expenses combine to help meet the family deductible.

There’s a $300 copay for emergency ​​department services, ​​​​​in addition to​​ ​your deductible. ​​​I​f you’ve already met the deductible, you’ll just pay the $300 copay​ in most cases​​​​​​​​​.​ ​​If you’re transported​​ to the emergency department by ground ambulance, there’s a separate ​​​​$300 copay ​​in most cases, in addition to your deductible.

The maximum amount you’ll spend out of pocket on covered in-network services is $6,850 for yourself or $13,700 for both you and your covered dependents. Once you reach this amount, covered in-network services will be paid at 100% for the rest of the calendar year.