What health insurance walmart offers

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Our most popular plan.

Doctor visits

Know exactly what you’ll pay:

$35 for primary care and mental health visits

$75 for specialists and urgent care

Complete coverage

In most locations the plan pays up to 75% of

eligible in-network costs once you meet
your deductible for the year.

The Premier Plan gives you the lowest

cost per pay period of all our national plans.

In most locations you 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 need to see a preferred provider to get 100% coverage for preventive care. You’ll find preferred providers at IncludedHealth.com/Walmart.

You pay for doctor visits with simple copays: $35 for primary care and mental health, $75 for specialists and urgent care. In certain areas shown below, you’ll be able to take advantage of the simple copays only if you use a preferred provider.

• $35 for primary care
• $35 for mental health office visits
• $0 for virtual primary care​, urgent care​ and mental health visits through Doctor On Demand by Included Health
• $75 for specialists and urgent care
• $300 for emergency room, after your annual deductible

Virtual primary care​, urgent care​ and mental health visits with Doctor On Demand by Included Health are at no cost to you.

You pay the full cost for any additional care you receive until you meet your deductible. After that, the plan pays 75% of eligible in-network costs.

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.

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. This includes travel and lodging for you and a caregiver. Learn more about Centers of Excellence.

All generic prescriptions are just $4 at a Walmart or Sam’s Club pharmacy.

You can also skip the pharmacy and get 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 Premier 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 $2,750 for yourself, or $5,500 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 eligible costs. If you cover dependents, all covered participants' expenses combine to help meet the family deductible.

You have to meet your annual deductible before coverage kicks in. If you’ve already met the deductible, you’ll pay just a $300 copay for emergency services in most cases.

The maximum amount you can spend out of pocket on covered in-network services is $6,850 for you or $13,700 for your family. Once you reach this amount, all eligible in-network costs will be covered at 100%.

To see your cost per pay period for all your medical plan options, see the Compare Plans page.

• During your initial enrollment period. This is when you first become eligible for benefits and depends on your job classification. See 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 marriage or divorce, birth or adoption, or changes in your employment that affect benefits eligibility. Keep in mind 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.

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

Walmart covers a higher share of eligible costs when you see a preferred provider: you’ll pay either a copay or 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.