Contribution Plan
Get money from Walmart to help pay for care.
Get special Walmart dollars to help pay for care before you meet your deductible, plus the lowest deductibles of our national plans.

Help with medical costs.


Walmart dollars

Each year you get $250
in Walmart dollars for yourself,
or $500 for family coverage.


Automatic payment

The plan uses Walmart dollars
automatically to pay for your eligible
medical expenses until they’re gone.


Annual rollover

If you have unused Walmart
dollars at the end of the year,
they’ll roll over as long as you’re
still enrolled in the plan.

Preventive care

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


In certain areas you’ll need to see a preferred doctor for 100% coverage. See Do you work in Arkansas, Florida, Oklahoma, or Texas? below.

Walmart dollars

You get a special account with money provided by Walmart to help pay for eligible medical expenses: $250 for yourself only, or $500 for yourself and your dependents. This helps you cover out-of-pocket costs until you reach your deductible and the plan starts paying for 75% of eligible costs. And when your provider files your medical claim for you, the amount you’re responsible for will be paid using your available Walmart dollars. You don’t need to do anything special to use this money.

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 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.

Other care

Once your Walmart dollars are used up, you pay the full cost for any additional care you receive until you meet your deductible. After that, in most locations, the plan pays 75% of all in-network costs and 50% of all out-of-network costs. A few exceptions:


o   Dallas/Fort Worth, Houston, or San Antonio, Texas

o   Central Florida including Orlando and Tampa; Northeast Florida including Gainesville and Jacksonville

o   Northwest Arkansas

o   Oklahoma City or Tulsa, Oklahoma

  • The Centers of Excellence program provides 100% coverage for many serious medical procedures including spine surgery, heart surgery, knee and hip replacement, and more.
Affordable prescriptions

All generic prescriptions are just $4 at a Walmart or Sam’s Club pharmacy. You can also get prescriptions by mail through Walmart Home Delivery Pharmacy. Your cost for a 90-day supply is three times the cost of a 30-day supply as shown above.

Annual deductible

Your annual deductible is $1,750 for yourself, or $3,500 for yourself and your dependents. This is the amount you’ll have to spend each year before the plan starts paying 75% of the cost.

Emergency department

There’s a $300 copay for emergency department services. You also have to meet your annual deductible before plan coverage kicks in. If you’ve already met the deductible, you’ll just pay the $300 copay.

Your total cost

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 dependents. Once you reach this amount, all covered, in-network services will be covered at 100% for the rest of the calendar year.


To see your cost per paycheck for all your medical plan options, see our Compare Plans page.

When can I enroll?
  • During your initial enrollment period. This is when you first become eligible for benefits and depends on your job classification. Check your enrollment options.      
  • During Annual Enrollment, when all eligible associates can sign up or make changes.
  • When you have a status change event, like a marriage or divorce, a birth or adoption, or a change in your employment that affects benefits coverage. 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 Medicare Part D, you’re not eligible to enroll in any Walmart-sponsored medical plan.

When it’s time, enroll online.

Do you work in Arkansas, Florida, Oklahoma, or Texas?

Special programs in several areas connect associates with quality care in their local communities. We’ve made it easy to find the best doctors by identifying those who have consistently delivered the best value and quality care.

In the areas listed below, these doctors are called preferred providers, and our medical plans have built-in incentives to choose them for your care. You’ll find preferred providers at


  • Dallas/Fort Worth, Houston, and San Antonio, Texas
  • Central Florida including Orlando and Tampa; Northeast Florida including Gainesville and Jacksonville
  • Oklahoma City and Tulsa, Oklahoma

The amount your plan will pay for covered services is different depending on whether you choose a preferred or non-preferred doctor in your network.

●      In the Florida areas shown, care from a non-preferred network provider or an out-of-network provider is covered at 50%.

●      In the Texas and Oklahoma areas, non-preferred network providers are covered at 50%, and there’s no out-of-network coverage except in emergencies.


In northwest Arkansas you can see any network provider, but you’ll still find highly rated doctors    

More resources

Need help?

Call People Services at 800-421-1362.
See the 2022 Associate Benefits Book for more information about your benefits and eligibility. This document will control in the event of any conflict.
What’s new for 2022?

We’ve introduced preferred providers in more areas in TX, FL, and OK for 2022, which includes doctors who have consistently provided the best value and quality care. There are no other changes to the Contribution Plan, so all the details on this page apply to your current coverage.

Contacts and related plans