Saver Plan
A plan with all our best features, plus the chance to save up some tax-free money that can help pay for medical bills. We’ll even match some of the money you put away.

How the plan works

Preventive care

You’ll get 100% coverage for preventive care when you use doctors in your network, before you meet your annual deductible. Preventive care means things like annual checkups, vaccinations, mammograms and other screenings.

Other care

You’ll pay the full cost for any other care you receive until you meet your deductible. After that, the plan pays 75% of all in-network costs and 50% of all out-of-network costs. However, the Centers of Excellence program provides 100% coverage after you meet your deductible, for most serious medical procedures like spine surgery and heart surgery.

Savings account

You’ll get a special option to open a Health Savings Account (HSA) and put away tax-free dollars to help pay for your medical bills.


You’ll pay for the full cost of prescriptions until you meet your deductible. After that, you’ll only pay $4 for all generics.

Annual deductible

Your annual deductible will be $3,000 for yourself and $6,000 for yourself and your dependents.

Emergency room copay

In addition to your annual deductible, you will also have a $300 emergency room copay that will apply to out-of-pocket maximum. Once you’ve met your annual deductible, you will only pay the $300 copay until your out-of-pocket is met.

Total out-of-pocket costs

The maximum amount you’ll spend out of pocket will be $6,650 for yourself or $13,300 for yourself and your dependents. Once you reach this maximum, all your visits and costs will be covered at 100%.

Do you work in central Florida, Dallas/Fort Worth, Texas, or northwest Arkansas?
In these areas you’ll find network doctors with the Provider Guide website instead of Grand Rounds. Care received by an out-of-network provider is not covered except in an emergency, so expect to pay more.

How the saving account works

  • Paying for care: Your Health Savings Account, or HSA, belongs to you and is separate from your plan. This money can only be used to pay for medical expenses.
  • Choosing your savings: You choose how much you want to set aside per paycheck, but don’t worry, you can increase or decrease it anytime you want.
  • Saving tax-free dollars: The money you put aside will be deducted before taxes are taken out, which means you can keep more of what you earn.
  • Getting the match: Walmart will give you a head start on your savings by matching the first $350 you save, so your first $350 becomes $700. And if you’re also covering dependents, your first $700 becomes $1,400!
  • Earning 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.

Other benefits

Video doctor visits: Ever wish you could see a doctor without leaving your house? With Doctor On Demand™, you can video chat with a doctor 24/7 for just a $4 copay after you meet your deductible. Simply download the app or go online to speak with a board-certified physician, licensed psychologist or psychiatrist today. 

For most associates, the costs before you meet your deductible are:

$49 for medical visit
$79/$119 for a 25 or 50-minute psychology visit
$229 for a 45-minute psychiatrist visit, or $99 for a 15-minute follow-up

If you’re in parts of CO, MN, and WI with access to the Personal Online Doctor program, those costs are a little different:

$55 for medical visit
$55/$99 for a 25 or 50-minute psychology visit
$155 for a 45-minute psychiatrist visit, or $90 for a 15-minute follow-up

World-class care centers: For serious conditions, the Centers of Excellence program offers you and your family world-class care, often at zero cost. After you meet your annual deductible, you’ll receive 100% coverage (limited to certain conditions).

Find the right doctor: Don’t spend all day searching the web for the right in-network doctor when Grand Rounds will do it for you. Get expert second opinions and much more at no cost. To find the best in-network doctors and specialists, just visit

Important information

The Saver Plan will cost:

$32.50 per paycheck for associates
$154.40 per paycheck for associates plus their spouse/partner
$51.00 for associates plus their children
$178.30 for associates plus their family

The Saver Plan will cost more if you and/or your spouse/partner use tobacco products and choose not to enroll in and complete a Quit Tobacco program. The plan will also cost more for using doctors outside the network.

To check out all the rates for the Saver Plan, including tobacco user rates, and all costs of all our other plans, please see our rate sheet.

If you are enrolled in Medicare Part D, you are not eligible to enroll in any Walmart-sponsored medical plan.


2019 HSA Plan

The 2019 HSA Plan will be renamed the Saver Plan in 2020.

Other than your cost per paycheck, there are no significant changes to the plan besides the name—so all the information on this page applies to your current coverage.

For complete details about the 2019 plan, see the 2018 Associate Benefits Book with 2019 Summary of Material Modifications.