Health maintenance organization (HMO) plans
Local options with all-in-one convenience.
Get access to a local network of doctors, plus the convenience of simple copays and comprehensive care.

A simpler health care experience.


Fixed copays

Predictable fees at the
doctor’s office make care
simple and affordable.


Local network

You’re covered for doctors
in your HMO’s network — but
not out-of-network except
in emergencies.


Regional options

HMOs are available
only for associates in
selected areas.

Preventive care

You’ll get 100% coverage for preventive care when you see doctors in your network. This includes things like annual checkups, vaccinations, mammograms, and other routine tests to help keep you well.

Fixed copays

Paying the same copay whenever you get care keeps your costs down and makes it easy to plan your expenses. And with copays, you don’t need to meet your deductible first. Depending on the HMOs available in your area, copays range from:

  • $30 to $35 for primary care
  • $60 to $75 for specialists
Other care

For other services, you’ll typically pay the full cost for any additional care you receive until you meet your deductible. After that, most HMOs pay 75% of all in-network costs. These include urgent care, emergency services, and hospitalization.

Network doctors

Each HMO network features all the doctors, services, and specialties you might need. But if you get care outside the network, the plan won’t cover these services except in an emergency.

Affordable prescriptions

Depending on the plans available in your area, generic prescriptions range from $10 to $15.

Annual deductible

Most plans have a deductible, which is the amount you’ll have to spend each year before the plan starts paying most of the cost for services that aren’t covered by copays. Depending on the HMOs available in your area, annual deductibles range from:

  • $1,000 to $1,500 for yourself only
  • $2,000 to $3,000 for yourself and your dependents
Your total cost

All plans feature a maximum amount you can spend out of pocket. Once you reach this amount, all your in-network visits and other costs will be covered at 100%. Depending on the HMOs available in your area, maximums range from:

  • $6,550 to $6,850 for yourself only
  • $13,100 to $13,700 for yourself and your dependents

You’ll find your cost per paycheck for any HMOs available to you in 2021 rates.

Keep in mind that 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.


To get a breakdown of your costs, see our Compare Plans page.

When can I enroll?
  • During your initial enrollment period. This is when you first become eligible for benefits, and it 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 marriage or divorce, a birth or an adoption, or changes in your employment that affect benefits coverage. Keep in mind you can only make changes that are directly related to the event. You’ll find details in the 2020 Associate Benefits Book with 2021 Summary of Material Modifications.
  • 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.

Walmart offers HMO plans in nine states and the District of Columbia.
HMO coverage map 2021
Are HMOs available to you?
Use the Plan Availability Tool to see what plans are available at your facility.
Check your plans

More resources

Need help?

Call People Services at 800-421-1362.

Contacts and info