Leadership Guide
Important Note: Associates in areas recently declared disaster areas have an extended enrollment deadline. Learn more here.
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Benefits
Onboarding
Offboarding
Resources
Benefits play an important role in attracting and retaining the talent we need. That's why we're focused on providing our eligible associates with coverage choices that are easy to access and fit their lives.
The plans and programs outlined here are designed to support our associates’ physical, mental, and financial well-being, and the personalized enrollment experience was designed to be easy to use. Please take some time to learn about what’s available and how you can help your associates make the most of their benefits.
What you need to do
- Provide the Marketplace Notice within seven days of hire.
- Showcase our benefits by walking through the digital tools available:
- Benefits Overview – a quick summary of Walmart benefits
- One.Walmart.com/BenefitsGuide – a personalized guide to the benefits each associate is eligible for, enrolled in, and able to use
- One.Walmart.com/Wellbeing – benefits and programs for the mind, body, and wallet
- If you’re onboarding a new associate, walk them through one of the benefits onboarding decks, found in the Onboarding tab.
- Help with eligibility questions. Eligibility is based on associate classification and hours worked, so eligibility details can vary. Please refer associates to the benefits information they’ve received in the mail, or to “Helping with eligibility questions” under the Onboarding tab. Associates can also check their eligibility by contacting People Services.
If you or your associates have questions, chat with People Services or call 1-800-421-1362.
Benefits for 2025
Below you’ll find the 2025 benefits available for your facility. Keep in mind that not all associates are eligible for all programs.
For medical-eligible associates in parts of FL, IL, IN, OK, and TX:
Get the same coverage for all network providers
Now you’ll get the same level of coverage when you see any health care provider in your plan’s network. You’ll have help finding quality network providers using transparent ratings based on provider history of proper care procedures and better patient health outcomes at IncludedHealth.com/Walmart.
For medical-eligible associates in parts of northwest Arkansas:
Same quality providers, now nationwide
We’ve updated the directory you already use to help you find network providers using transparent ratings based on provider history of proper care procedures and better patient outcomes. Find the directory at IncludedHealth.com/Walmart.
For medical-eligible associates in parts of AR, IL, IN, OK, and TX:
Coverage changes for your plan
This year you’ll have coverage when you visit a network provider, or out-of-network provider. However, you’ll receive a greater plan benefit when you see a network provider.
For medical-eligible associates in most other areas:
Find a quality provider
Now you have tools to help you find a quality network health care provider. Your plan’s updated provider directory includes transparent ratings based on provider history of proper care procedures and better patient outcomes. You can still choose any network provider, but be sure to check out how they measure up at IncludedHealth.com/Walmart.
For associates who are enrolled in the PPO Plan:
Heads up: PPO Plan going away in 2026
Your current PPO Plan is still available to you in 2025 because you’re already enrolled. However, the PPO Plan is now closed to new enrollments and will be discontinued in 2026.
For associates enrolled in national plans in parts of MN, NC, and NV:
Your medical third-party administrator has changed
Your medical plan has a new third-party administrator for 2025. This means the list of network providers in your plan may have changed, although many of the same providers are still available. You can find providers in the new network at IncludedHealth.com/Walmart.
For all medical-eligible associates except those in Hawaii:
Expanded coverage for cancer and heart surgery
If you're facing a recent cancer diagnosis, most cancers now qualify for a diagnosis and treatment review to see if you could benefit from an on-site visit to Mayo Clinic. If you are facing a serious heart surgery, you're eligible for a medical record review, with a possible onsite visit at Cleveland Clinic. We're proud to keep building on the Centers of Excellence program, which connects you with specialists at some of the best facilities in the country for major needs like these. Learn more at One.Walmart.com/COE.
For all medical-eligible associates except those in Hawaii:
Physical therapy at no cost to you
Feel better quicker with virtual physical therapy and get a $0 copay with most medical plans. You’ll get direct access to a licensed physical therapist, a personalized treatment plan, and the freedom to do your therapy anytime, anywhere. Participants enrolled in the Saver Plan must meet their deductible first. Learn more at One.Walmart.com/VirtualCare.
For all medical-eligible associates except those enrolled in an HMO plan.
Personalized support for diabetes
If you have type 2 diabetes you may be eligible for Diabetes and Metabolic Management by Twin Health. This program can help you reach your health goals using a digital twin of your metabolism to deliver personalized recommendations for nutrition, activity, sleep, and more. Learn more at One.Walmart.com/TwinHealth.
More help when you need it
If you’re enrolled in most medical plans, you may receive a call from AiRCare offering personalized support for your overall well-being. All you have to do is answer the phone. Learn more at One.Walmart.com/AiRCare.
Support for life’s challenges
You can now call Help Now for personalized support navigating benefits and resources at 855-4HLPNOW (855-445-7669). AiRCare’s resource specialists can connect you to the Walmart benefits and/or community programs that can help. Learn more at One.Walmart.com/HelpNow.
Hit your savings goals faster with ONE@Work
When you start saving part of your pay automatically into a One Cash* account, you can earn interest on your savings. You can also get daily snapshots of your bills, and get paid early with no hidden fees. Learn more at One.Walmart.com/ONEAtWork.**
*One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC.
**You may not be eligible for all features based on your job or location.
Benefits resources
Benefits rates
See how much associates pay for all types of benefits in 2025.
Compare Plans
See medical plan availability, coverage details, and costs by facility at One.Walmart.com/ComparePlans.
Benefits Guide
Associates will find personalized benefits information and helpful resources in their Benefits Guide at One.Walmart.com/BenefitsGuide.
Benefits contacts
Find contact information for all benefits plans.
Connecting associates with their benefits
As a manager, you play an important part in helping connect associates with the benefits and programs that support their overall well-being. Below is a quick checklist of ways you can make sure associates new to Walmart benefits have the information they need and know where to go to learn more.
Manager’s benefits checklist for new associates
- For new or rehired associates only: Provide the Marketplace Notice to associates within seven days of hire.
- Share a benefits presentation and hand out one-pager:
- One-pager (this is a quick reference capturing links and QR codes for full-time hourly associates)
- Introduce associates to use their digital benefits tools:
- One.Walmart.com/BenefitsGuide (a personalized overview of benefits and enrollments)
- One.Walmart.com/Wellbeing (benefits and programs for the mind, body, and wallet)
- One.Walmart.com/Enroll (to sign up for benefits)
Helping with eligibility questions
Eligibility is based on associate classification and hours worked, so eligibility details can vary. If the associate is eligible and enrolls, they’ll be given the option of covering eligible dependents.
- Spouse/domestic partner*
- Children and/or stepchildren up to age 26 — This includes natural, adopted, legal guardianship, foster, stepchildren, and/or children of your eligible partner.
Associates are eligible for some benefits on day one, others require enrollment within the first 60 days, and others become effective within 90 days, depending on associate classification. Check out these benefits timelines for an overview:
*Domestic partners must meet eligibility requirements to be covered. Spouse/partner coverage is not available for some benefits for part-time and/or temporary associates.
Onboarding Resources
Coming soon
Coming soon
Associates who are leaving Walmart may have questions about what happens to their benefits after their final day at work.
Some Walmart benefits end on their last day of employment. For other benefits, the associate may elect to continue coverage and make monthly payments. These resources can help associates understand what will happen to their benefits and any required actions. For full details, they can consult the Associate Benefits Book.
Offboarding
Use these tools to learn more about Walmart benefits, so you're ready to answer questions from associates.
Benefits resources
Compare Plans
See medical plan availability, coverage details, and costs by facility at One.Walmart.com/ComparePlans.
Benefits Guide
Associates will find personalized benefits information and helpful resources in their Benefits Guide at One.Walmart.com/BenefitsGuide.
Benefits rates
See how much associates pay for all types of benefits in 2025.
Benefits contacts
Find contact information for all benefits plans.
Associate Survivors Benefits Guide
Find details and processes for benefits when an associate passes away. Direct associates' family members to this helpful resource.
Onboarding
Coming soon
Coming soon
Offboarding
More support
Chat with a People Services Representative at One.Walmart.com/BenefitsChat or call 1-800-421-1362
Monday–Friday 7:30 a.m–6 p.m. Central
Saturday 9 a.m.–1 p.m. Central
Get help managing health care expenses: You have access to price comparison tools to help you manage your health care costs. To learn more, go to IncludedHealth.com/Walmart.
The Associates' Health and Welfare Plan complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.
Interpreter Services are available at no cost 1-800-421-1362
Los servicios de interpretación están disponibles de manera gratuita. 1-800-421-1362
This communication provides information about certain Walmart benefits. Receipt of the communication does not automatically entitle you to the benefits described and these materials do not create an express or implied contract of employment or other contractual commitment. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan or program documents, the official plan or program document will control.
For information about most health and welfare benefits, the 401(k) plan and the Associate Stock Purchase Plan, see the 2025 Associate Benefits Book. For information about other benefits, see this page.
Walmart, and where applicable, the plan's fiduciary, retains the discretion to interpret the terms and language used in this communication according to the provisions of the plan or program documents. Walmart also reserves the right to amend or terminate any benefit plan or policy in its sole discretion at any time for any reason.
