A simpler health care experience
Fixed copays
Predictable fees at the
doctor’s office make care
simple and affordable.
Local network
You’re covered for providers
in your HMO’s network—
but not out-of-network
except in emergencies.
Regional options
HMOs are available
only for associates in
selected areas.
Paying the same amount whenever you get care keeps your costs down and makes it easy to plan your expenses. And with copays, you’ll pay the same amount regardless of whether you’ve met your deductible. Depending on the HMOs available in your area, copays range from:
- $14 to $35 for primary care
- $14 to $75 for specialists
Most plans have a deductible, which is the amount you’ll have to spend each year before the plan starts sharing the cost for eligible medical expenses for covered services that aren’t covered by copays. Depending on the HMOs available in your area, annual deductibles may be:
- Up to $1,500 for yourself only
- Up to $3,000 for yourself and your dependents
All plans feature a maximum amount you can spend out of pocket. Once you reach this amount, eligible medical expenses for in-network services will be covered at 100%. Depending on the HMOs available in your area, maximums range from:
- $2,500 to $6,850 for yourself only
- $7,500 to $13,700 for yourself and your dependents
- HealthNet: healthnet.com; 800-722-5342
- HMSA: HMSA.com; 808-948-6111
- Kaiser California: kp.org; 800-464-4000 (English), 800-788-0616 (Spanish)
- Kaiser Colorado: kp.org; 303-338-3800 (Denver area), 800-632-9700 (other areas)
- Kaiser Georgia: kp.org; 404-261-2590 (Atlanta area) 888-865-5813 (other areas)
- Kaiser of Hawaii: kp.org; 800-966-5955
- Kaiser of the Mid-Atlantic: kp.org; 855-249-5018
- Kaiser of Oregon: kp.org; 503-813-2000 (Portland area), 800-813-2000 (other areas)
- Kaiser Foundation Health Plan of Washington: kp.org/wa; 888-901-4636
To see your cost per pay period for all your medical plan options, see the 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 marriage or divorce, a birth or an adoption, or changes in your employment that affect 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, including an HMO plan.
When it’s time, enroll online.
Walmart offers HMO plans in eight states and the District of Columbia.
More resources
Need help?
Chat with a People Services Representative at What's new for 2025?
In parts of Pennsylvania, we’ve discontinued all four of the Geisinger HMO plans, and those enrolled in one of those plans will be defaulted to our most popular plan option, the Premier Plan, for 2025 (unless you choose a different plan option during Annual Enrollment). There are no major changes to the rest of the HMO plans Walmart offers in other locations.
See the 2025 Associate Benefits Book for more information about your benefits and eligibility. It will control over any conflicting information on this page.
