2017 Walmart Employee Handbook

• Walmart Employee Handbook Policies

The steady growth of e-commerce has been a source of jobs and benefits as employment in traditional stores declines. But at online retailers taken over by Walmart, workers are finding one benefit in retreat: their company-sponsored health coverage.

In little more than a year, Walmart has spent nearly $4 billion acquiring e-commerce companies with thousands of workers. Last month, many learned that their potential out-of-pocket costs for medical expenses would increase in 2018 at a rate far exceeding the overall rise in health care costs — reaching thousands of dollars in many cases.

Walmart has periodically struggled against the perception that it skimps on health care benefits. Facing from state legislators and worker advocates that too many of its employees relied on public programs like Medicaid — a critique that a conceded had a kernel of truth — the company began expanding access to coverage and making it more affordable about a decade ago. But with costs rising in recent years, Walmart has in some ways. In 2011, it raised some premiums by more than 40 percent. Three years ago, it ended coverage for employees working fewer than 30 hours per week on average. Other large retailers, such as Target and Home Depot, made similar changes.

Health care benefits tend to be harder to come by in retail than in any other industry, with just over half of all retail employees eligible for company plans, versus more than 90 percent in manufacturing, according to a this year by the Kaiser Family Foundation. Retail workers also opt into their company plans at a far lower rate than any other industry’s workers, possibly suggesting that the insurance is not very attractive or affordable even when companies do offer it.

Walmart says the share of its employees eligible for company-sponsored coverage, and of those choosing it, is slightly above the industry norm. But the health benefits it offers in its online operations appear to be inferior to those of many e-commerce competitors. At Bonobos, an online men’s wear retailer that Walmart agreed in June for $310 million, workers currently pay nothing in premiums for medical coverage in exchange for a deductible — that is, the level below which they are responsible for covering their own expenses — of $2,000 for individuals and $4,000 for families. A similar policy under Walmart’s plan will cost an individual about $750 more per year in premiums and a family nearly $4,000 more, according to documents on Walmart’s employee benefits website. Both plans will also feature a deductible that is 50 percent higher than the current one. Some of the biggest changes appear to be occurring at another recent acquisition, ModCloth, an online retailer that made its name selling hip, vintage-inspired apparel to millennial women. To keep biweekly premiums for ModCloth’s roughly 300 workers relatively close to what they pay now, their deductibles will rise from nothing to several thousand dollars per year.

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“My concern is they bring their model with them regardless of what was going on before they got there,” said Jared Bernstein, a senior fellow at the left-leaning Center on Budget and Policy Priorities, who served as chief economic adviser to former Vice President Joseph R. Blake Jackson, a Walmart spokesman, said: “We’ve put a lot of thought into creating a total package, including both compensation and benefits, that offers more than what we’ve had in the past.” Mr. Jackson pointed out that as new employees of the retail giant, many of the workers had gained benefits like a 401(k) retirement plan with a company match and a stock purchase plan. Jackson said that the company would make sure its benefits largely kept up with those of competitors, and that the benefits that Walmart offered hourly e-commerce workers were essentially the same benefits it offered hourly workers in its t.

Yet financial pressures on insurers continue to increase premiums and potentially squeeze reimbursement rates for clinical laboratories and pathology groups shoppers expect to find low prices on the retailer’s shelves, but the discounter’s full-time employees may be surprised to learn their company healthcare plan is also a low-cost leader. This is a significant finding and is significant for and managers because the Walmart health benefit plan includes an expanded provider network, at a premium that is about half of the subsidized rate for a comparable health plan at Healthcare.gov.

A analysis comparing Walmart’s employee health insurance program with Obamacare—more formerly referred to as the —found that “Walmart’s plan is more affordable and provides significantly better access to high-quality medical care than Obamacare.” The report also noted that Walmart’s participation in a national healthcare network means employees typically choose from a list of participating providers and high-profile hospitals that dwarfs the number of options on Obamacare exchanges. Independent Health Insurance Examiners Find Walmart’s Health Plans Superior According to the Washington Examiner’s report, Walmart offers its employees the choice of two plans that are managed by: 1. An “HRA High,” which features similar coverage, but with higher out-of-pocket expenses and lower deductibles.

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Walmart also offers its employees a that includes high deductibles but allows tax-free dollars to be used to pay for coverage. The Washington Examiner’s article cited several examples of Walmart’s health plan price superiority:. For a family of four with an annual income of $53,000 per year, Walmart’s monthly premium is $160 compared to a subsidized rate of $317 or an unsubsidized rate of $962 on HealthCare.gov. A 30-year-old smoker with a $30,000 income pays $70 per month under the Walmart plan versus a $352 subsidized premium or $428 unsubsidized premium under Obamacare. Two 60-year-old nonsmokers with a $25,000 income pay a $134 monthly premium under the Walmart plan compared to a $94 subsidized premium or a $1365 unsubsidized premium on HealthCare.gov (the only comparison showing mixed results). The report did not detail any differences in the deductible amounts between the various plans.

Independent insurance agents affiliated with the (NAHU) and health policy experts compared the plans at the Washington Examiner’s request. “It’s a lot better program than people, I think, might assume without looking, just because Walmart has gotten such a bad reputation by some of the labor groups and other groups for its general activities,” stated, in the Washington Examiner article. Wilensky was head of the Healthcare Financing Administration (HCFA) under. The HCFA was the predecessor to today’s (CMS). While Walmart comes under fire for many of its employment practices, Gail Wilensky, PhD, former head of the Healthcare Financing Administration under President George H.W. Bush, gave Walmart’s healthcare plan high marks.

Walmart Employee Handbook Policies

(Photo copyright: www.GailWilensky.com.) Eight ‘Centers of Excellence’ Included in Walmart Plan: Not Offered in Obamacare Beyond the price differences, the Washington Examiner also pointed out that the Walmart plan offers a broader network of hospitals, including eight “Centers of Excellence” such as and, which are not part of most Obamacare exchange plans. This is a notable finding, because pathologists working in academic centers are often excluded from the narrow networks of the health exchange plans offered by many private payers. That is not the case under the Walmart health benefit program. “It’s not just the number, but who they are,” health policy advocate, a former New York Lieutenant Governor, told the Washington Examiner. “You’ll find under the Obamacare exchanges that the academic hospitals have declined to participate, along with the specialists who practice at those hospitals.

The same is true of cancer hospitals.”. Health policy advocate Betsy McCaughey, PhD, a former New York Lieutenant Governor, says that many of the nation’s top hospitals and healthcare providers have opted not to participate in Obamacare exchanges, making health plans such as those offered by Walmart a better option. (Photo copyright:www.BetsyMcCaughey.com) Part-time Employees Not Offered Coverage by Walmart Yet the news is not all good. A large portion of Walmart’s employees–its part-time workers—do not qualify for health coverage. Easy worship 2.4 patch. In fact, the Washington Examiner’s positive analysis of Walmart’s health plan was followed in October, 2014, by news that the retailer was cutting health benefits for its 30,000 workers who work fewer than 30 hours a week and raising full-time worker premiums by 19%.

“If a retail empire built on low prices can’t find a way around Obamacare’s added costs, we’re all doomed,” stated an. That decision by Walmart coincided with the Affordable Care Act’s January 1, 2015, deadline requiring large employers to provide subsidized healthcare for every employee who works 30-hours a week or more. Need for Tough Decisions Due to Affordable Care Act Mandates “We had to make some tough decisions,” Walmart Senior was quoted in. The part-time workers that make up about 2% of Walmart’s 1.3 million-person workforce are eligible to enroll in state and national healthcare insurance exchanges and may be eligible for government subsidies that reduce their premiums. How well that turns out for those workers is up for debate. “Walmart’s insurance appears to be pretty cheap, and while it has a high deductible, that deductible is comparable to, or better than, many of Obamacare’s ‘bronze’ plans,’” wrote. “The out-of-pocket maximum is higher, but the Walmart plan seems to have included a variant of a health savings account, which workers won’t get on the exchanges, and most workers won’t approach the out-of-pocket maximum.

If the part-time workers are earning very little, they’ll get a nice big subsidy. But how many people are supporting themselves entirely on part-time work at Walmart?