Save money for health care
Tax savings
Set aside money from your
pay for medical expenses
before taxes are taken out, and
keep more of what you earn.
Matching money
Get a match from Walmart: $350 for yourself, or $700 for yourself and your dependents. To receive the matching contributions, you will need to open the HSA through HealthEquity and make contributions through payroll deductions.
Take it with you
The money in your account belongs to
you, including the match, even if you
change plans or leave the company.
In most locations you will get 100% coverage for eligible preventive care when you see 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 provider to get 100% coverage for preventive care. You’ll find preferred providers at IncludedHealth.com/Walmart.
You pay the full cost for any other care you receive until you meet your deductible. After that, in most locations the plan pays up to 75% of eligible in-network costs and 50% of eligible out-of-network costs for most services. A few exceptions:
In areas where preferred providers are available, you’ll need to see a preferred provider for the plan to pay up to 75% of eligible in-network costs. See “Do you work in Arkansas, Florida, Chicago Metro, Oklahoma, or Texas?” below for details, or learn more at One.Walmart.com/preferredproviders.
Once you meet your deductible, Walmart’s Centers of Excellence program gives you access to some of the best specialists and facilities in the country. The program covers heart and spine surgeries, knee and hip replacements, treatment for many types of cancer, transplants, weight loss surgery, and fertility care. Treatment for many conditions comes at no cost to you with most medical plans. This includes travel and lodging for you and a caregiver. Learn more about Centers of Excellence.
With this plan, you set up a special 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. The money is deducted before taxes are taken out, so you keep more of what you earn.
- Automatic match. Walmart matches the first $350 you save if you cover just yourself, or $700 if you cover dependents. There’s an IRS maximum of $4,150 per year for individual or $8,300 for family coverage, including Walmart’s contributions. 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 will need to open the 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 prescriptions and other medical care until you meet your deductible. After you meet your deductible, pharmacy copays apply, starting at $4.
Video doctor visits through Doctor On Demand by Included Health are at no cost to you and don’t require meeting your deductible.
Because of IRS rules, you’ll have to pay the full cost for prescriptions other than preventive medications until you meet your deductible. After that, regular pharmacy copays apply, and generic prescriptions are just $4 at a Walmart or Sam’s Club pharmacy.
You can also skip the pharmacy and get eligible prescriptions by mail through Walmart Home Delivery Pharmacy. Keep in mind that maintenance medications, like those used to treat high blood pressure and diabetes, need to be filled at a Walmart or Sam’s Club pharmacy, or through Walmart Home Delivery. Your cost for a 90-day supply is three times the cost of a 30-day supply. Also, specialty medications are only available through Walmart Specialty Pharmacy.
Getting to a healthier you is easier with your virtual health benefits. You have access to a primary care doctor you can see online through Doctor On Demand by Included Health, and they can handle your family’s everyday health needs. They’re also there for you to manage chronic conditions such as diabetes, high blood pressure, and asthma. Plus, your virtual primary care doctor can connect you with mental health professionals and more. You can even get many prescriptions with just a video visit. You can also use other app-based programs for physical therapy and digestive health support. Many of these online services are available at no cost to you with the Saver Plan.*
We’ve expanded this program so all associates and their families who are enrolled in the Premier, Contribution, Saver, or a Local plan can use it as of Oct. 14, 2023, or starting Jan. 1, 2024 if you first enroll in one of these plans during Annual Enrollment. Also starting Jan. 1, 2024, if your virtual primary care doctor orders lab work, you can choose to do some basic labs from the comfort of your home. Learn more at One.Walmart.com/VirtualCare.
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.
To see your cost per pay period for all your medical plan options, see our 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 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 a marriage or divorce, a birth or adoption, or a change in your employment that affects benefits eligibility. Keep in mind that 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.
When it’s time, enroll online.
Do you work in Arkansas, Florida, Chicago Metro, Oklahoma, or Texas?
Select counties in these locations have a special program that connects associates with quality care in their local communities. We’ve identified local doctors who have consistently delivered the best value and quality care.
They’re called preferred providers, and they’ve been selected based on three things: accurately diagnosing health conditions, recommending the right treatments, and helping their patients get better. You’ll find preferred providers at IncludedHealth.com/Walmart.
Preferred providers are available in:
- Central Florida, including Orlando and Tampa;
Northeast Florida, including Gainesville and Jacksonville;
South Florida, including Miami/Fort Lauderdale, Port St. Lucie, and Fort Myers - Chicago Metro
- Oklahoma City and Tulsa, Oklahoma
- Austin, Dallas/Fort Worth, Houston, and San Antonio, Texas
Your plan covers a higher share of eligible costs when you see a preferred provider: you’ll pay 25% of eligible costs for most services after you meet your deductible, instead of 50% after deductible for another doctor in your network. And if you choose to see a non-network provider:
- In the Florida areas shown, care provided by a non-network provider is covered at 50% of eligible costs after you meet your deductible.
- In the Chicago Metro, Texas, and Oklahoma areas, there’s no out-of-network coverage except in emergencies.
In Northwest Arkansas you can see any in-network provider and use the Provider Guide to find highly rated doctors. Keep in mind that there’s no coverage for out-of-network care except in emergencies. Find doctors at IncludedHealth.com/Walmart.
More resources
Need help?
Chat with a People Services Representative at One.Walmart.com/BenefitsChat or by calling 800-421-1362.
See the 2024 Associate Benefits Book for more information about your benefits and eligibility. It will control over any conflicting information on this page.
