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Check out the 2025 Benefits Information page to better understand your benefits and your rights as a consumer.
If you’re facing something big like cancer, fertility care, heart surgery, hip or knee replacement, organ or tissue transplant, spine surgery, or weight loss surgery, Walmart’s Centers of Excellence (COE) program gives you access to specialists in some of the best facilities in the country, and many conditions are covered at no cost to you with most medical plans.1
The plan will only provide benefits for covered services relating to some of these conditions under the Centers of Excellence program. If you receive services outside of the Centers of Excellence program, the plan may not pay any benefit, unless an exception applies.
Specialized care when you need it most
100% covered with most medical plans
Treatment, travel, and lodging are covered for most eligible conditions—including travel and lodging for you and a caregiver.
Medical records review for virtually all cancers
Access to a medical record review of your diagnosis and treatment plan by Mayo Clinic, plus on-site evaluation and treatment when recommended by Mayo Clinic.
Options for growing your family
Most Walmart medical plans include fertility treatment, and eligible associates have access to covered surrogacy and adoption benefits even if you’re not enrolled in a Walmart medical plan.
Centers of Excellence
Click on a condition to see where treatment is available.
- See all
- Cancer
- Family building
- Heart surgery
- Hip & knee replacement
- Organ & tissue transplant
- Spine surgery
- Weight loss surgery
Cancer
Family Building
Heart surgery
Hip and knee replacement
Organ and tissue transplant
Spine surgery
Weight loss surgery
Brian got the spring back in his step.
See how hip replacement surgery through Centers of Excellence changed Brian's life.
Doyle got a second chance at life.
When Billie’s husband needed a triple organ transplant, the Centers of Excellence program came through.
Why get your heart surgery at Cleveland Clinic?
Learn from Walmart’s experts and Cleveland Clinic’s doctors about how you can have a better experience and better results.
Edna got her happily ever after.
Watch this inspiring story and learn how Centers of Excellence can help take care of your heart.
Chaniece’s dream came true.
Chaniece fulfilled her dream of becoming a mom thanks to Walmart’s fertility benefits.
Visit the Wellbeing Video Hub to learn more about your Walmart benefits.
A medical record review for most cancer diagnoses is covered at 100% before deductible with most plans. If recommended, on-site evaluation and treatment are also covered. Localized skin cancers, basal cell carcinoma, squamous cell carcinoma, and localized melanoma are not included in the COE program.
COE benefits shown above are available if you are enrolled in the Premier PPO, Saver HSA, Contribution HRA, and Personal Wellbeing Copay. Your plan even covers travel and lodging for you and a caregiver if recommended for eligible services at the COE facility. Eligible services are covered before you meet your deductible, unless you’re in the Saver HSA Plan. If you are in the Saver HSA Plan, you must meet your deductible first.
The COE provider for the cancer medical record review program is Mayo Clinic in Minnesota, Florida, and Arizona.
If you have questions about the cancer medical records review program contact the plan’s COE administrator Consociate Health: 1-800-804-1289.
For information about eligibility call your health care advisor at the number on the back of your plan ID card.
For more details, see the "Centers of Excellence" section in the "Medical Plan" chapter of the Associate Benefits Book.
Fertility treatments and services are covered at 75% after you meet your plan’s deductible with most plans. Covered services include but are not limited to in vitro fertilization (IVF) and intrauterine insemination (IUI). These services are subject to your out-of-pocket maximum. Fertility treatments and services, including IVF and IUI, are also subject to a $20,000 lifetime maximum benefit per person.
Eligible full-time associates also have access to benefits for surrogacy and adoption which do not require medical plan enrollment.
COE benefits shown above are available if you are enrolled in the Premier PPO, Saver HSA, or Contribution HRA plans. With the Personalized Wellbeing Copay plan you only pay the applicable copays for the services you receive. Your plan even covers travel and lodging for you and a caregiver. However, coverage for these services is only available under the COE program, which means your plan won’t cover care you receive anywhere else.
The COE provider for fertility treatment is Kindbody, with locations nationwide.
For information about eligibility call your health care advisor at the number on the back of your plan ID card.
If you have questions about treatment contact Kindbody: 1-855-454-7663
For more details, see the "Centers of Excellence" section in the "Medical Plan" chapter of the Associate Benefits Book.
Certain heart surgeries are covered at 100% before deductible with most plans. If you are being considered for heart surgery, you and/or your doctor will be directed to Cleveland Clinic for a cardiac medical record review to make sure the treatment is appropriate. If Cleveland Clinic recommends heart surgery, you’ll be invited to have it done at Cleveland Clinic.
COE benefits shown above are available if you are enrolled in the Premier PPO, Saver HSA, or Contribution HRA plans. With the Personalized Wellbeing Copay plan you’ll have the same benefits, plus if you choose to have surgery somewhere else you’ll pay your plan’s regular copays. Your plan even covers travel and lodging for you and a caregiver. Eligible services are covered before you meet your deductible, unless you’re in the Saver HSA Plan. If you are in the Saver HSA Plan, you must meet your deductible first.
The COE provider for heart surgery is Cleveland Clinic in Cleveland, Ohio.
For information about eligibility call your health care advisor at the number on the back of your plan ID card.
If you have questions about your travel benefits associated with the COE program, contact the plan’s COE administrator Consociate Health at 1-800-804-1289.
For more details, see the "Centers of Excellence" section in the "Medical Plan" chapter of the Associate Benefits Book.
Hip and knee joint replacements through the COE program are covered at 100% before deductible with most plans. If you choose to receive care anywhere else, the level of coverage depends on your plan:
Premier PPO, Saver HSA, and Contribution HRA plans: If you receive hip or knee replacement services outside the COE program, benefits are reduced to 50% after out-of-network deductible. Coinsurance will not apply to your out-of-pocket maximum. In certain circumstances a network exception may apply.
Personalized Wellbeing Copay Plan: Coverage is only available under the COE program, which means your plan won’t cover care you receive anywhere else. In certain circumstances a network exception may apply.
Virtual physical therapy is also covered if recommended by a COE provider. Contact Carrum Health, the program administrator, for more details.
COE benefits shown above are available if you are enrolled in the Premier PPO, Saver HSA, Contribution HRA, and Personal Wellbeing Copay. Your plan even covers travel and lodging for you and a caregiver. Eligible services are covered before you meet your deductible, unless you’re in the Saver HSA Plan. If you are in the Saver HSA Plan, you must meet your deductible first.
The COE providers for hip and knee replacements include:
Geisinger Medical Center in Danville, Pennsylvania.
Johns Hopkins Hospital in Baltimore, Maryland
Mayo Clinic in Arizona, Minnesota and Florida. Learn more.
Mercy Springfield in Springfield, Missouri
Northeast Baptist in San Antonio, Texas
Ochsner in New Orleans, Louisiana
Scripps Mercy in San Diego, California
University Hospitals in Cleveland, Ohio
Virginia Mason Medical Center in Seattle, Washington
If you have questions about treatment contact the plan’s COE administrator Carrum Health: 1-888-890-7359.
For information about eligibility call your health care advisor at the number on the back of your plan ID card.
For more details, see the "Centers of Excellence" section in the "Medical Plan" chapter of the Associate Benefits Book.
Most organ and tissue transplants are covered at 100% before deductible with most plans. These include:
Liver
Kidney
Heart (including durable ventricular assist devices [VADs] and total artificial hearts)
Lung (including lung volume reduction surgery [LVRS])
Pancreas
Simultaneous kidney/pancreas transplants
Multiple organ transplants
Bone marrow/stem cell transplants (including CAR T-cell treatment).
Coverage is only available under the Centers of Excellence program, which means your plan won’t cover care you receive anywhere else. In certain circumstances a network exception may apply.
COE benefits shown above are available if you are enrolled in the Premier PPO, Saver HSA, Contribution HRA, and Personal Wellbeing Copay. Your plan even covers travel and lodging for you and a caregiver. Eligible services are covered before you meet your deductible, unless you’re in the Saver HSA Plan. If you are in the Saver HSA Plan, you must meet your deductible first.
The COE provider for transplants is Mayo Clinic in Minnesota, Florida, and Arizona.
If you have questions about treatment contact the plan’s COE administrator Consociate Health: 1-479-621-2830
For information about eligibility call your health care advisor at the number on the back of your plan ID card.
For more details, see the "Centers of Excellence" section in the "Medical Plan" chapter of the Associate Benefits Book.
Surgery for certain spine conditions is covered at 100% before deductible with most plans. This does not include some conditions such as scoliosis. Virtual physical therapy is also covered if recommended by a COE provider.
Coverage is only available under the Centers of Excellence program, which means your plan won’t cover care you receive anywhere else. In certain circumstances a network exception may apply.
COE benefits shown above are available if you are enrolled in the Premier PPO, Saver HSA, Contribution HRA, and Personal Wellbeing Copay. Your plan even covers travel and lodging for you and a caregiver. Eligible services are covered before you meet your deductible, unless you’re in the Saver HSA Plan. If you are in the Saver HSA Plan, you must meet your deductible first.
Virtual physical therapy is also covered if recommended by a COE provider. Contact Carrum Health, the program administrator, for more details.
The COE providers for spine surgery include:
Carolina Neurosurgery & Spine Associates/Carolinas Medical Center in Charlotte, North Carolina
Emory in Atlanta, Georgia
Geisinger Medical Center in Danville, Pennsylvania.
Mayo Clinic in Minnesota, Florida, and Arizona. Learn more.
Memorial Hermann in Houston, Texas
Mercy Springfield in Springfield, Missouri
Ochsner in New Orleans, Louisiana
Virginia Mason Medical Center in Seattle, Washington
If you have questions about treatment contact the plan’s COE administrator Carrum Health: 1-888-890-7359
For information about eligibility call your health care advisor at the number on the back of your plan ID card.
For more details, see the "Centers of Excellence" section in the "Medical Plan" chapter of the Associate Benefits Book.
Weight loss surgery performed through the COE program is covered at the regular benefit level of 75% of eligible in-network costs after you meet your plan’s annual deductible.
Coverage is only available under the Centers of Excellence program, which means your plan won’t cover care you receive anywhere else.
Weight loss surgery also has a 12-month waiting period from the date your medical coverage becomes effective before this benefit is available.
COE benefits shown above are available if you are enrolled in the Premier PPO, Saver HSA, Contribution HRA, and Personal Wellbeing Copay. Your plan even covers travel and lodging for you and a caregiver. Eligible services are covered before you meet your deductible, unless you’re in the Saver HSA Plan. If you are in the Saver HSA Plan, you must meet your deductible first.
The plan partners with:
Emory in Atlanta, Georgia
Geisinger Medical Center in Danville, Pennsylvania.
Intermountain Health in Salt Lake City, Utah
KC Bariatric in Lenexa, Kansas
Northeast Baptist in San Antonio, Texas
Northwest Medical Center in Springdale, Arkansas
Ochsner in New Orleans, Louisiana
University Hospitals in Cleveland, Ohio
If you have questions about treatment contact the plan’s COE administrator Carrum Health: 1-888-890-7359
For information about eligibility call your health care advisor at the number on the back of your plan ID card.
For more details, see the "Centers of Excellence" section in the "Medical Plan" chapter of the Associate Benefits Book.
Need help?
Chat with a People Services Representative at One.Walmart.com/BenefitsChat or call 1-800-421-1362.
1Fertility and weight loss surgery are subject to any deductible, copay and/or coinsurance, and out-of-pocket maximum under your plan.
Participants enrolled in the Saver HSA Plan must meet their deductible first.
