Saver Plan
Tax savings on health care with a company match.
Get tax-free savings and Walmart matching dollars, plus the perks of our other national plans.

Smart money for health care

Tax_Savings

Tax savings
 

Set aside money from your
paycheck for medical expenses
before taxes are taken out, and
keep more of what you earn.

Extra-cash

Matching money
 

Get a match from Walmart:
$350 for yourself only, or $700 for
yourself and your dependents.

Financial_help

Take it with you
 

The money in your HSA belongs to
you, including the match, even if you
change plans or leave the company.

Preventive care

You’ll get 100% coverage for 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.

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. A few exceptions:

  • If you work in central Florida, Dallas/Fort Worth, Texas, or northwest Arkansas, the plan does not cover out-of-network care except in an emergency.
  • Once you meet your deductible, the Centers of Excellence program provides 100% coverage for many serious medical procedures like spine surgery and heart surgery.
Health savings account

The plan lets you set up a special Health Savings Account, or HSA, to help you pay for the cost of care.

  • Your account. Money in this account belongs to you and is separate from the plan. It’s like a “401(k) for health care” that you can only use for medical expenses.
  • Choosing your savings. You choose how much you want to set aside from each paycheck and you can change it any time.
  • Saving tax-free dollars. The money you put aside will be deducted before taxes are taken out, so you keep more of what you earn.
  • Automatic match. Walmart will match 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.

Keep in mind that because of IRS rules for this type of plan, you’ll have to pay the full cost for prescriptions and video doctor visits until you meet your deductible. After that, you can get the $4 copay as with our other plans.

Prescriptions

Because of IRS rules for plans like this one, you’ll pay for the full cost of prescriptions until you meet your deductible. After that, generic prescriptions are just $4 at a Walmart or Sam’s Club pharmacy.

Video doctor visits

Due to IRS rules, video doctor visits through Doctor On Demand work a little differently than with our other plans. You have to meet your deductible before you can get the $4 price.

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, the costs are:

  • $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
Annual deductible

Your annual deductible is $3,000 for yourself only, or $6,000 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 room

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

Your total cost

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

Rates
  • $32.50 per paycheck for associate only
  • $154.40 per paycheck for associate plus spouse/partner
  • $51.00 for associate plus children
  • $178.30 for associate plus family

 

You’ll pay more if you and/or your spouse/partner use tobacco products and choose not to enroll in and complete a Quit Tobacco program. For details see the 2020 rates.

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 getting married or divorced, birth or adoption, or changes in your employment that affect benefits coverage. Keep in mind that you can only make changes that are directly related to the event. You’ll find details in the 2020 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.

More resources

Need help?

Call People Services at 800-421-1362
Do you work in central Florida, Dallas/Fort Worth, Texas, or northwest Arkansas?

 

In these areas the plan works a little differently. You’ll find network doctors with the Provider Guide website instead of Grand Rounds. And care you receive from an out-of-network provider is not covered except in an emergency, so expect to pay more.

See the 2020 Associate Benefits Book for additional information about your benefits and eligibility. This document will control in the event of any conflict.

Contacts and related plans