Saver Plan
Tax savings on health care with a company match.
Get tax-free savings and Walmart matching dollars, plus the advantages of our other national plans.

Smart money for health care

Tax savings

Set aside money from your
paycheck for medical expenses
before taxes are taken out, and
keep more of what you earn.

Matching money

Get a match from Walmart:
$350 for yourself, or $700 for
yourself and your dependents.

Take it with you

The money in your account belongs to
you, including the match, even if you
change plans or leave the company.

Preventive care

You get 100% coverage for 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.

Other care

You pay the full cost for any other care you receive until you meet your deductible. After that, in most locations the plan pays 75% of all in-network costs and 50% of all out-of-network costs. A few exceptions:

  • If you work in central Florida, Dallas/Fort Worth, Texas, or northwest Arkansas, see below for special features in your area.
  • Once you meet your deductible, the Centers of Excellence program provides 100% coverage for many serious medical procedures like spine surgery and heart surgery.
Health savings account

With this plan, you set up a special health savings account to help you pay for the cost of care.

  • Your money. Money in this account belongs to you and is separate from the plan. It’s like a “401(k) for health care” that you can only use for medical expenses.
  • Your savings choices. You choose how much you want to set aside from each paycheck, and you can change it any time.
  • Tax-free dollars. The money will be deducted before taxes are taken out, so you keep more of what you earn.
  • Automatic match. Walmart will match the first $350 you save if you cover just yourself, or $700 if you cover dependents. There's an IRS maximum of $3,600 per year for individual or $7,200 for family coverage.
  • Earn interest. You can save this money for the future, invest it in mutual funds, or take it all with you when you retire or leave the company.


Because of IRS rules, you’ll have to pay the full cost for prescriptions and video doctor visits until you meet your deductible. After that, you’ll have a $4 copay.


Because of IRS rules, you’ll pay for the full cost of prescriptions until you meet your deductible. After that, generic prescriptions are just $4 at a Walmart or Sam’s Club pharmacy.

Video doctor visits

Doctor On Demand

Because of the COVID-19 pandemic, the cost is $0 for video visits through Doctor On Demand. You must meet your deductible to get the zero copay.


Before you meet your deductible, the costs are:

  • $49 for a medical visit
  • $79/$119 for a 25- or 50-minute psychologist visit
  • $229 for a 45-minute psychiatrist visit, or $99 for a 15-minute follow-up


If you work in Colorado, Minnesota, or select locations in Wisconsin with access to the Personal Online Doctor program, access Doctor On Demand here. The costs are:

  • $55 for a medical visit
  • $55/$99 for a 25- or 50-minute psychologist visit
  • $155 for a 45-minute psychiatrist visit, or $90 for a 15-minute follow-up
Annual deductible

Your annual deductible is $3,000 for yourself, or $6,000 for yourself and your dependents. This is the amount you’ll have to spend each year before the plan starts paying 75% of the cost.

Emergency room

There’s a $300 copay for ER services. You also have to meet your annual deductible before plan 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 for covered in-network services is $6,650 for yourself or $13,300 for yourself and your dependents. Once you reach this amount, all your in-network visits and other costs will be covered at 100% for the remainder of the calendar year.


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 a marriage or divorce, a birth or adoption, or a change in your employment that affects 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.

Do you work in central Florida; Dallas/Fort Worth, Texas; or northwest Arkansas?


In 2021, we’re launching pilots in three areas to connect associates with quality care in their local communities. By identifying doctors who have consistently given patients the best care, it’s easy for you to find the best doctors.


In central Florida and Dallas/Fort Worth our medical plans have built-in incentives to seek care from a network of preferred providers you’ll find in the Provider Guide. The amount your plan will pay for covered services varies depending on whether you choose a preferred or non-preferred doctor in your network. In central Florida, care provided by an out-of-network provider is covered at 50%, while in Dallas/Fort Worth there is no coverage except in cases of emergency. 


In northwest Arkansas you can still see any in-network provider in 2021. Starting in January, you’ll be able to use the Provider Guide to find highly rated doctors.


Need help?

Call People Services at 800-421-1362.

Contacts and related plans