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Check out the 2025 Benefits Information page to better understand your benefits and your rights as a consumer.
Prescriptions you can afford
Low-cost generics
Generic prescription medications are available
for just $4—or $0 with the Personalized Wellbeing Copay Plan.
Preventive care
Preventive medications are
covered with fixed
or $0 copays.
Network only
With most plans, you’ll pay full price
if you use a pharmacy other than Walmart/Sam’s Club
or Walmart Specialty Pharmacy.
A reminder about filling some prescriptions
If you’re in the Premier PPO, Contribution HRA, Saver HSA, or Personalized Wellbeing Copay plan, you must use a Walmart, Walmart Home Delivery, Sam's Club or Walmart Specialty Pharmacy to get your pharmacy benefit. All other pharmacies are considered out-of-network, and in most cases, you'll pay the full retail price.
- Premier PPO, Contribution HRA, and Personalized Wellbeing Copay plans: The benefits shown here are automatically included.
- Saver HSA Plan: Due to IRS rules, you must pay full price for most prescriptions until you meet your annual deductible. After that, you’ll get the benefits shown here. However, you can get some preventive medications for just a copay without meeting your deductible.
- HMO plans: All HMOs include prescription benefits, which typically start at $10 for generic drugs. Contact your plan directly for details.
To be eligible, drugs must be listed on one of Walmart's formularies. These lists are maintained by OptumRx. They’re reviewed quarterly and often change. You can call OptumRx at 1-844-705-7493 to ask about a particular drug.
Some brand-name and other prescription drugs aren’t covered because generic or over-the-counter alternatives have proven to be just as effective. For more information about what is and is not covered, see the “Pharmacy Benefit” section of the Associate Benefits Book.
Some prescription drugs require prior authorization. Call OptumRx at 1-844-705-7493 to check which drugs are affected.
You can get a 30, 60, or 90-day supply of a maintenance medication when you use Walmart Home Delivery. You’ll pay three times the cost of a 30-day supply when you order a 90-day supply.
All specialty drugs under the Premier PPO, Contribution HRA, Saver HSA, and Personalized Wellbeing Copay plans must be purchased through Walmart Specialty Pharmacy. If a specialty drug is purchased from another network pharmacy, it will not be covered under the plan. You should call Walmart Specialty Pharmacy to ask about the availability of your prescription drugs under the plan.
If you take medications for certain inflammatory conditions, your plan covers these drugs differently. You can expect to pay as little as a $0 copay but you may have to switch to different, equally effective drugs that are on the preferred formulary. For non-preferred drugs you’ll pay a $25 copay for generic drugs, $100 copay for brand, and $250 for specialty. You must also use Walmart Specialty Pharmacy. For a list of affected drugs, call OptumRx at 1-844-705-7493.
If you later decide to join a Medicare drug plan, having “creditable coverage” under the Walmart plan will keep you from paying a higher premium under Medicare. For more information, see the Medicare Part D notice (PDF).
Here’s your cost for prescriptions, depending on the plan you choose. Each copay covers up to a 30-day supply.
| Premier PPO Plan, Contribution HRA Plan | Saver HSA Plan | Personalized Wellbeing Copay Plan | |
| Generic drugs | $4 copay | $4 copay after deductible | $0 preferred $25 non-preferred |
| Brand-name drugs | 25% of allowed cost1 or $50, whichever is greater | 25% of allowed cost1 or $50, whichever is greater, after deductible | $0 preferred $100 non-preferred |
| Specialty drugs | 20% of allowed cost1 or $50, whichever is greater | 20% of allowed cost1 or $50, whichever is greater, after deductible | $0 preferred $25 non-preferred generic $100 non-preferred brand $250 non-preferred specialty |
1The allowed cost of prescription drugs is determined by OptumRx.
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See the 2026 Associate Benefits Book for more information about your benefits and eligibility. It will control over any conflicting information on this page.
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