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

Visit IncludedHealth.com/Walmart to find a network provider. Or go to DoctorOnDemand.com/Walmart to connect with a virtual primary care provider for many of your preventive health care needs.

You’ll​ 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. Travel and lodging may also be covered for you and an adult caregiver, if applicable.

Learn more

​​

With this plan, you can set up a Health Savings Account to help you pay for the cost of care.

• Your money. Money in this account belongs to you and is separate from the plan.
• Your savings choices. You choose how much you want to set aside each pay period and you can change it any time.
• Tax-free dollars. If you elect to make contributions through payroll deductions​,​ the money is deducted from your pay before taxes are taken out, so you keep more of what you earn. ​​​You​ can ​also ​pay for qualified medical expenses with tax-free dollars.
• Automatic match. Walmart matches the first $350 you save if you cover just yourself, or $700 if you cover dependents. There’s an annual IRS contribution limit, which includes Walmart’s matching contribution to your account: The maximum contribution is:
  • 2027: $4,500 per year for individual or $9,000 for family
  • 2026: $4,400 per year for individual or $8,750 for family coverage
    

You can contribute an additional $1,000 during the year in which you reach age 55 and each year after that. To receive the matching contributions, you ​​need to open an HSA through HealthEquity and make contributions through payroll deductions.

• Earn interest. You can save this money for the future, invest it in mutual funds, or take it all with you when you retire or leave the company.

Because of IRS rules, you’ll have to pay the full cost for prescription drugs other than preventive medications until you meet your deductible, After that, regular pharmacy copays apply, at a Walmart or Sam’s Club Pharmacy, or Optum Home Delivery. You must use one of these pharmacies to fill your maintenance medications unless a pharmacy network exception applies. 

For more information on what is considered a preventive medication, see the Saver HSA Preventive Medication List. (coming soon)

Your cost for a 90-day supply generic drug is three times the cost of a 30-day supply at the pharmacy. Brand drugs are limited to a 30 day supply, with limited exceptions such as, but not limited to, packaging or dispensing size.

Specialty medications are only available through Walmart Specialty Pharmacy.

Virtual care visits can help you prioritize your mental health or manage conditions like 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.

Learn more

​​​​

Choosing a quality provider is one of the most important decisions you can make for your well-being. We’ve made it easier for you to find a quality network provider using transparent ratings based on provider history of proper care​​ procedures​​ and better patient health outcomes. Our provider directory helps you find quality providers who have accurately diagnosed health conditions, recommended the right treatments, and helped their patients get better.

Learn more at One.Walmart.com/QualityProviders or find quality providers​​ at IncludedHealth.com/Walmart

Your annual deductible is $3,000 for yourself, or $6,000 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 the 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. If you’ve already met the deductible, you’ll pay just a $300 copay in most cases. If you are transported to the emergency department by ground ambulance, there is a separate $300 copay in most cases, in addition to your deductible.

The maximum amount you can spend out of pocket for covered in-network services is $6,650 for yourself or $13,300 for yourself and your covered dependents. Once you reach this amount, all in-network visits and other eligible expenses will be paid at 100% for the rest of the calendar year.