High-quality care for complex conditions
If you’re facing something big like surgery, cancer, or fertility care, you want the very best treatment. Walmart’s Centers of Excellence (COE) program gives you access to some of the best specialists and facilities in the country, and many conditions covered at no cost to you with most medical plans.

Top-quality care when you need it most

100percent-covered

100% covered
 

Treatment and travel

are covered for

most eligible conditions.

The-best-care

The best care

Expert care can help you get the
right treatment, avoid unnecessary
surgery, and get back to your life
and work sooner.

digital

Options for growing your family

Most Walmart medical plans include fertility treatment, and

eligible associates have access to covered surrogacy and adoption benefits even if you’re not enrolled in

a Walmart medical plan.

Doyle got a second chance at life.

When Billie’s husband needed a triple organ transplant, the Centers of Excellence program came through.  



Brian got the spring back in his step.
 

See how hip replacement surgery through Centers of Excellence changed Brian's life.  

 

 

Edna got her happily ever after. 

Watch this inspiring story and learn how Centers of Excellence can help take care of your heart. 


Walmart has partnered with some of the best health centers in the country to make sure you get the best possible care:

  • Carolina Neurosurgery & Spine Associates/Carolinas Medical Center in Charlotte, North Carolina, for spine surgery
  • Cleveland Clinic in Cleveland, Ohio, for heart surgery
  • Emory in Atlanta, Georgia, for spine surgery and weight loss surgery
  • Geisinger Medical Center in Danville, Pennsylvania, for spine surgery, hip and knee replacements, and weight loss surgery
  • Intermountain in Salt Lake City, UT, for weight loss surgery 
  • Johns Hopkins Hospital in Baltimore, Maryland, for hip and knee replacements
  • Kaiser Permanente in Irvine, California for hip and knee replacements
  • KC Bariatric in Lenexa, Kansas for weight loss surgery
  • Kindbody in locations nationwide for fertility treatment
  • Mayo Clinic in Minnesota, Florida, and Arizona, for transplants, spine surgery, hip and knee replacements, and cancer care
  • Memorial Hermann in Houston, Texas, for spine surgery
  • Mercy Springfield in Springfield, Missouri, for spine surgery and hip and knee replacements
  • Northeast Baptist in San Antonio, Texas, for hip and knee replacements and weight loss surgery
  • Northwest Medical Center in Springdale, Arkansas, for weight loss surgery
  • Ochsner in New Orleans, Louisiana, for spine surgery, hip and knee replacements, and weight loss surgery
  • Scripps Mercy in San Diego, California, for hip and knee replacements
  • University Hospitals in Cleveland, Ohio, for hip and knee replacements and weight loss surgery
  • Virginia Mason Medical Center in Seattle, Washington, for spine surgery, and hip and knee replacements
  • Fertility treatments and services (deductible and coinsurance apply)
  • Certain heart surgeries, including an eReview
  • Spine surgery
  • Hip and knee joint replacements
  • Digital physical therapy with IMC as part of the spine and joint replacement benefit
  • Cancer medical record review for breast, lung, colorectal, prostate, pancreatic, and blood cancers
  • Organ and tissue transplants, such as bone marrow transplants, as well as CAR-T therapy, ventricular assist devices (VAD), and lung volume reduction
  • Weight loss surgery (deductible and coinsurance apply)

If your condition qualifies, your plan pays 100% of eligible costs for most conditions and even covers travel and lodging for you and a companion when using the COE program. You must be enrolled in the Premier, Contribution, Saver plans or a Local plan to be eligible for these benefits. Here are some other important rules and details:


Waiting period—transplants and weight loss surgery have a 12-month waiting period from the date your medical coverage becomes effective before benefits are available.


Coverage for COE programs—Coverage for fertility treatments, spine surgeries, transplants and weight loss surgeries is available only under the COE program; in certain circumstances a network exception may apply for spine surgery and transplants. Hip and knee replacements not performed at a COE program will have a reduced benefit, unless a network exception applies. For more information about network exceptions and coverage levels, please see the Associate Benefits Book.


Weight loss—Weight loss surgeries performed at a COE facility are covered at the regular benefit level of 75% of eligible in-network costs after you meet your annual deductible.


Fertility benefit—Fertility treatments and services, including IVF and IUI, are covered subject to a $20,000 lifetime maximum benefit per person for associates and covered dependents enrolled in the Premier, Saver or Contribution plans or a Local Plan. Coverage may also include travel benefits. Eligible associates also have access to benefits for surrogacy and adoption.


Heart surgery—If you are being considered for heart surgery, you and/or your doctor will be directed to Cleveland Clinic for a cardiac “eReview” to make sure the treatment is appropriate. If they recommend surgery, you’ll be invited to have it done at Cleveland Clinic, where you’ll get 100% coverage instead of 75% of eligible in-network costs at a non-COE (in-network) facility.


Cardiac valve surgery—If you are being considered for heart valve surgery, you and/or your doctor will be directed to set up a cardiac valve “eReview” with Cleveland Clinic to make sure the treatment is appropriate. If they recommend surgery, you’ll be invited to have it done at Cleveland Clinic, where you’ll get 100% coverage instead of 75% of eligible in-network costs at a non-COE (in-network) facility.


Saver Plan—If you’re enrolled in the Saver Plan, you must meet your annual network deductible before the Associates' Medical Plan (AMP) pays any benefit to become eligible for the coverage levels shown here.

How can you get into these programs?
If you think the Centers of Excellence could help you, call your health care advisor. You’ll find the number on the back of your plan ID card.

More resources

Need help?

Chat with a People Services Representative at One.Walmart.com/BenefitsChat or by calling800-421-1362.
See the 2024 Associate Benefits Book for more information about your benefits and eligibility. It will control over any conflicting information on this page.
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