Local Plans
Simple copays, low costs, and a unique approach to health care.
Get access to quality care from proven local doctors, plus predictable copays and coordinated care to make things easy. These special plans are only available in certain locations.

High-quality care built just for you.


Top local doctors

Your Local Plan is built
around top doctors from a proven
health system in your area.


Coordinated care

With most plans, your doctor is

responsible for your overall health, and

they coordinate your care within the health care system.


Low costs

Save money with either the lowest
cost per paycheck or the lowest
deductible available in your area.

Preventive care

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

Simple copays

Copays make it easy to plan for medical costs. Plus, you don’t have to meet your deductible first.

  • $0 for video doctor visits through Doctor On Demand. Visits are $0 because of COVID-19.
  • $35 for primary care and behavioral health visits
  • $75 for specialists
  • $75 for urgent care
Other care

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

One exception: The Centers of Excellence program provides 100% coverage for many serious medical procedures like spine surgery and heart surgery.

Affordable prescriptions

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

Annual deductible

Your annual deductible is the amount you’ll have to spend each year before the plan starts paying 75% of the cost. The amount depends on your plan:

  • Mercy SW Missouri Local Plan, Banner Local Plan: $3,000 for you, or $6,000 for your family
  • All other Local Plans: $1,750 for you, or $3,500 for your family

Keep in mind that Local Plans with higher deductibles also have the lowest cost per paycheck — so you’ll save one way or the other.

Emergency room

There’s a $300 copay for ER services. You also have to meet your annual deductible before 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 $6,850 for you or $13,700 for your family. Once you reach this amount, all your in-network visits and other costs will be covered at 100%.


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

Keep in mind that the Local Plans with a higher cost also have the lowest deductibles — so you’ll save one way or the other.

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 a marriage or divorce, a birth or adoption, or a change 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 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.

Here’s where these plans are currently available:

  • Banner Local Plan: Phoenix, Arizona area

  • Memorial Hermann Local Plan: Houston, Texas area

  • Mercy Arkansas Local Plan: Northwest Arkansas and Fort Smith; McDonald County, Missouri

  • Mercy SW Missouri Local Plan: Southwest Missouri, including Joplin and Springfield areas

  • Ochsner Local Plan: Baton Rouge, New Orleans area; Slidell, Louisiana areas

  • UnityPoint Local Plan: parts of Iowa; western Illinois; and Peoria, Illinois areas

More resources

Need help?

Call People Services at 800-421-1362.

Contacts and related plans