Health maintenance organization (HMO) plans
Local options with all-in-one convenience.

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 providers

​in your HMO’s network​​—

but not out-of-network

except in emergencies. 

Regional options
 

HMOs are available
only for associates in
selected areas.

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

Paying the same amount whenever you get care keeps your costs down and makes it easy to plan your expenses. And with copays, you’ll pay the same amount regardless of whether you’ve met your deductible. Depending on the HMOs available in your area, copays range from:

  • $14 to $35 for primary care
  • $14 to $75 for specialists

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 eligible medical expenses for in-network services. These include urgent care, emergency services, and hospitalization.

Each HMO network features all the ​​​providers​, 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.

Most plans have a deductible, which is the amount you’ll have to spend each year before the plan starts sharing the cost for eligible medical expenses for covered services that aren’t covered by copays. Depending on the HMOs available in your area, annual deductibles may be:

  • Up to $1,500 for yourself only
  • Up to $3,000 for yourself and your dependents

All plans feature a maximum amount you can spend out of pocket. Once you reach this amount, eligible medical expenses for in-network services will be covered at 100%. Depending on the HMOs available in your area, maximums range from:

  • $​2,500​​​ to $6,850 for yourself only
  • $​​​7,500​ to $13,700 for yourself and your dependents

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 it 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, a birth or an 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, including an HMO plan.


When it’s time, enroll online.

Walmart offers HMO plans in eight states and the District of Columbia.
Are HMOs available to you?
Check the Compare Plans page to see what’s available where you work.
CHECK YOUR PLANS

More resources

Contact your plan
Get contact information for HMOs and other plans like medical, dental, and vision.
Your cost per pay period
See your cost per pay period for all benefits plans, including costs for tobacco users.
Quit tobacco or vaping
Get help to kick the habit and pay less for your medical plan.

Need help?

Chat with a People Services Representative at One.Walmart.com/BenefitsChat or call 1-800-421-1362.
See the 2026 Associate Benefits Book for more information about your benefits and eligibility. It will control over any conflicting information on this page.

Contacts and info

Associate Benefits Book
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Me
My Health
Health Plans
HMO Plans: Local Care and Simple Costs with Health Maintenance Organization Plans
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