*Members enrolled in the Saver Plan must meet their deductible first.
**Weight loss surgery is subject to deductible, coinsurance and OOP.
Specialized care when you need it most
100% covered with most medical plans
Treatment, travel, and lodging are covered for most eligible conditions—including travel and lodging for you and a caregiver.
Expanded access for virtually all cancers
Access to a medical record review of your diagnosis and treatment plan by Mayo Clinic, plus on-site evaluation and treatment when recommended by Mayo Clinic.
Options for growing your family
Most Walmart medical plans include fertility treatment, and
eligible associates have access to covered surrogacy and adoption benefits even if you’re not enrolled in
a Walmart medical plan.
Doyle got a second chance at life.
When Billie’s husband needed a triple organ transplant, the Centers of Excellence program came through.
Brian got the spring back in his step.
See how hip replacement surgery through Centers of Excellence changed Brian's life.
Edna got her happily ever after.
Watch this inspiring story and learn how Centers of Excellence can help take care of your heart.
Walmart has partnered with some of the best health centers in the country to make sure you get the best possible care:
- Carolina Neurosurgery & Spine Associates/Carolinas Medical Center in Charlotte, North Carolina, for spine surgery
- Cleveland Clinic in Cleveland, Ohio, for heart surgery
- Emory in Atlanta, Georgia, for spine surgery and weight loss surgery
- Geisinger Medical Center in Danville, Pennsylvania, for spine surgery, hip and knee replacements, and weight loss surgery
- Intermountain in Salt Lake City, UT, for weight loss surgery
- Johns Hopkins Hospital in Baltimore, Maryland, for hip and knee replacements
- Kaiser Permanente in Irvine, California for hip and knee replacements
- KC Bariatric in Lenexa, Kansas for weight loss surgery
- Kindbody in locations nationwide for fertility treatment
- Mayo Clinic in Minnesota, Florida, and Arizona, for transplants, spine surgery, hip and knee replacements, and cancer care
(Note: Arizona is not currently providing hip and knee replacements for the COE program) - Memorial Hermann in Houston, Texas, for spine surgery
- Mercy Springfield in Springfield, Missouri, for spine surgery and hip and knee replacements
- Northeast Baptist in San Antonio, Texas, for hip and knee replacements and weight loss surgery
- Northwest Medical Center in Springdale, Arkansas, for weight loss surgery
- Ochsner in New Orleans, Louisiana, for spine surgery, hip and knee replacements, and weight loss surgery
- Scripps Mercy in San Diego, California, for hip and knee replacements
- University Hospitals in Cleveland, Ohio, for hip and knee replacements and weight loss surgery
- Virginia Mason Medical Center in Seattle, Washington, for spine surgery, and hip and knee replacements
- Fertility treatments and services (deductible and coinsurance apply)
- Certain heart surgeries, including a medical record review
- Spine surgery (including digital physical therapy if recommended by a COE provider)
- Hip and knee joint replacements (including digital physical therapy if recommended by a COE provider)
- Cancer diagnosis and treatment medical record review for most cancer diagnoses.*
*Localized skin cancers – basal cell carcinoma, squamous cell carcinoma, and localized melanoma – are not included in the Walmart Cancer Centers of Excellence (COE) program. - Organ and tissue transplants, such as bone marrow transplants, as well as CAR-T therapy, ventricular assist devices (VAD), and lung volume reduction
- Weight loss surgery (deductible and coinsurance apply)
If your condition qualifies, your plan pays 100% of eligible costs for most conditions and even covers travel and lodging for you and a companion when using the COE program. You must be enrolled in the Premier, Contribution, Saver plans, or a Local plan to be eligible for these benefits. Here are some other important rules and details:
Waiting period—transplants and weight loss surgery have a 12-month waiting period from the date your medical coverage becomes effective before benefits are available.
Coverage for COE programs—Coverage for fertility treatments, spine surgeries, transplants, and weight loss surgeries is available only under the COE program; in certain circumstances a network exception may apply for spine surgery and transplants. Hip and knee replacements not performed at a COE program will have a reduced benefit unless a network exception applies. For more information about network exceptions and coverage levels, please see the current Associate Benefits Book.
Weight loss—Weight loss surgeries performed at a COE facility are covered at the regular benefit level of 75% of eligible in-network costs after you meet your annual deductible.
Fertility benefit—Fertility treatments and services, including IVF and IUI, are covered subject to a $20,000 lifetime maximum benefit per person for associates and covered dependents enrolled in the Premier, Saver, or Contribution plans or a Local Plan. Coverage may also include travel benefits. Eligible associates also have access to benefits for surrogacy and adoption.
Heart surgery—If you are being considered for heart surgery, you and/or your doctor will be directed to Cleveland Clinic for a cardiac medical record review, to make sure the treatment is appropriate. If Cleveland Clinic recommends heart surgery, you’ll be invited to have it done at Cleveland Clinic, where you’ll get 100% coverage instead of 75% of eligible in-network costs at a non-COE (in-network) facility.
Saver Plan—If you’re enrolled in the Saver Plan, you must meet your annual network deductible before your plan will pay any benefits.
Learn more and get started
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See the 2025 Associate Benefits Book for more information about your benefits and eligibility. It will control over any conflicting information on this page.
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