Dollar Tree 2026

Welcome to a better healthcare experience.

Included Health is your personalized healthcare team, provided at no extra cost by Dollar Tree. From virtual visits and mental health support to help with billing issues and more, we simplify care so you and your family can focus on staying healthy.

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Member with a sick child talking to a virtual doctor on the phone.

Please note: You will have access to all of your Included Health services starting January 1, 2026.

Make the most of your Included Health benefits.

Get matched to the right doctor.

Looking for a doctor, but don’t know where to start? We can help by matching you to the right one who fits your unique needs, whether it’s for a specific condition, language spoken, or preferred location.

Start an expert second opinion.

Unsure about a diagnosis or treatment plan? That’s what a second opinion is for. We’ll find a leading specialist who can review your care and provide their expert second opinion, so you can have peace of mind.

Call for fast treatment advice.

When you’re confused about where to go for care or how to handle the side effects of a new medication, you can speak to a registered nurse 24/7 over the phone for expert answers to all of your health concerns.

Connect to primary care online.

Whether you’re too busy or too sick to make it to the doctor’s office, virtual primary care is a convenient way to see a provider online from the comfort of home, or wherever you have an internet connection.

Get help reaching personal goals.

Looking to improve your relationships or create a better daily routine? A certified coach is available via chat through the Included Health app to help you set achievable goals, provide ongoing support, and more.

Contact the Care Team 24/7.

When you have a question about your insurance, need help resolving a medical bill, or want someone to explain the difference between a copay and a deductible, you can call the Care Team or message them through the app.

Activate my account

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Getting started with Included Health is easy.

Download the Included Health app.
Activate your account.
Explore your personalized dashboard.
Connect to care, anytime, anywhere.

Start my activation

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One app for your healthcare needs

Getting support from anywhere is as simple as downloading the Included Health app from the Google Play or Apple App stores.

Real members. Real support.

"Included Health helped me book a virtual appointment in minutes—before work!"

—Included Health member

"They found an in-network specialist for my child and handled all the paperwork."

—Included Health member

"My therapist helped me manage stress, and I didn’t have to wait weeks."

—Included Health member

Frequently Asked Questions

Included Health is your front door to better healthcare support for both you and your family. We’re a program that’s available to full-time, benefits-eligible associates, and we don’t cost a thing to use.

We’re also not your insurance. Instead, we’re a personal healthcare team that’s here to answer your questions, connect you to a doctor online or in-person, help find you the right specialist for treatment advice, and so much more.

Need help resolving a billing problem? We’ve got you covered. Don’t understand what the hospital sent you in the mail? We can explain it to you. Want to book a doctor’s visit during a break in your shift? We’re designed to get you care whenever and wherever you need it. We’ll even tell you how much it will cost before you see the doctor or have a procedure.

Starting January 1, 2026, Included Health will make getting healthcare support simple and stress-free. You’ll be able to message the Care Team through the Included Health app, call the Care Team at 1-855-633-9252, visit Dollar Tree’s Included Health site, or use the all-in-one app.

Here are a few examples of how we can help you:

Your child has a fever late at night? Skip the urgent care line—we’ll connect you to a doctor online, fast.
Having trouble managing joint or muscle pain? We’ll connect you to an in-network specialist or get you started with Hinge Health, a digital clinic that provides exercise therapy and coaching online.
Need support with your mental well-being? We’ll find an in-network provider who gets what you’re going through or connect you to a licensed therapist through Talkspace.
Got a surprise medical bill you don’t understand? Send it to us—we’ll review it and work with your insurance to resolve it.
Trying to manage the cost of an upcoming surgery? We’ll direct you to other Dollar Tree benefits, like Lantern, a specialty care platform for associates undergoing planned, non-emergency surgery.
Don’t have a primary care doctor? We’ll find one nearby and set everything up. We’ll even send over your records, so you don’t have to.

Full-time, benefits-eligible associates who are not enrolled in a company medical plan can also benefit from Included Health. They’ll help you understand your coverage under other plans offered by Dollar Tree such as dental, vision, or voluntary plans, as well as help resolve billing issues or provide clarity on explanation of benefits you receive.

Think of Included Health as your front door to a world of healthcare benefits provided by Dollar Tree. Not only can we help you find doctors and specialists for specific care when you need it, we can also connect you to specialty programs, digital clinics, and more that will help you get and stay healthy.

For medically enrolled members, here are some of the benefits we can connect you to:

Hinge Health: a digital clinic designed to help manage muscle and joint pain with at-home exercise therapy, coaching, and educational content.
Lantern: a digital platform that connects to high-quality, cost effective specialty care, including non-emergency surgery, cancer treatments, and infusion therapy.
Talkspace: an online platform that connects to licensed therapists from the comfort of home.
Pelago: an online clinic helping those who want to stop or manage their tobacco, alcohol, opioid, or cannabis use.
Virta: an online platform for those who want to reverse type 2 diabetes and lose weight in a way that is sustainable.

We make it easy for full-time, benefits-eligible associates and their families to get the care they need. Your covered dependents over 18 can simply set up their own Included Health accounts, browse your Dollar Tree benefits, search for doctors, and book their appointments. That means you don’t have to worry too much about your family when they’re feeling under the weather or when they want to contact our Care Team for answers to confusing questions of their own.

Any personal health information you share with Included Health is confidential and will not be shared, unless authorized by you, or where legally permissible and/or required under applicable law.

If so, you’ll need to complete the following step to set up your Included Health account:

If you no longer have access to the email address associated with your previous account, contact our 24/7 technical support team at 1-833-200-8591 for assistance.

Your healthcare glossary

Get to know the common words and phrases that’ll help you choose the best benefits for you and your family.

Understanding your insurance

Understanding your insurance

Terms related to the insurance structure itself and who is involved.

Carrier
A carrier is another name for an insurance company.

Copay (or Copayment)
The amount that you must pay up-front to receive a healthcare service or medication. A copay is usually a set amount of money and is determined by your insurance plan. The copayment is usually different depending on the type of service or medication you receive. For example, the copay to see your primary care doctor is usually lower than the copay to visit an urgent care center, and the copay for a generic medication is usually lower than the copay for a name-brand medication.

Coinsurance
The amount that you must pay to receive a healthcare service or medication. A coinsurance amount is usually a percentage of the total cost of the service or medication and is determined by your insurance plan. For example, your coinsurance for a surgery might be 20% of the total surgery cost.

Deductible
The amount that you must pay out of pocket before your health insurance plan begins paying for certain services. If you’ve paid the full deductible amount out of pocket, you have “met your deductible.” Some services are “subject to deductible,” meaning that you must meet your deductible before a plan will begin to pay for those services. Some services are “not subject to deductible,” meaning that your plan will begin to pay for those services even if you have not met your deductible. If you have a maximum out-of-pocket amount that is higher than your deductible, you may still pay some costs until you meet your maximum out-of-pocket amount.

Health insurance
In a nutshell, insurance is a contract that requires the company that insures you to pay some or all of your healthcare costs in exchange for your monthly payments.

Health plan
Your health plan is the specific insurance plan you choose, and will have specific doctors and providers in the network who can take your insurance.

Out-of-pocket maximum (or maximum out-of-pocket amount)
Your out-of-pocket maximum is the most you will spend in a calendar year for your and your dependents’ medical care. This is above and beyond your deductible for the year. Once you hit your out-of-pocket maximum, insurance covers all of your medical care costs for the remainder of that plan year.

PPO (Preferred Provider Organization)
A type of health plan where you pay less for going to providers in the plan’s network. In this situation, you can still go to doctors, hospitals, and providers outside of the network without a referral, but there will be an additional cost.

Premium
The amount that you pay to continue to have coverage through your health insurance plan. If you receive your health insurance through an employer, this amount is usually taken directly out of your paycheck. If you stop paying your premium, your health insurance plan will drop your coverage, and you will be uninsured.

Provider
A doctor, nurse practitioner, pharmacist, therapist, or other type of healthcare worker who provides healthcare services to you.
Network coverage

Network coverage

Terms defining where you receive care and how it affects cost.

In-network
Providers who are in-network for your plan have entered into an agreement with your health insurance plan. The health insurance plan promises to pay a certain amount to the provider for services that are provided to patients. The provider promises to accept the amount that the health insurance plan pays and not charge the patient additional fees. Seeing an in-network provider usually means that you will pay the lowest cost for services. Some health insurance plans will not pay anything for services that are provided by out-of-network providers.

Out-of-network
Providers who are out-of-network for your plan have not entered into an agreement with your health insurance plan. Seeing an out-of-network provider usually means that you will pay the highest cost for services. Some health insurance plans will not pay anything for services that are provided by out-of-network providers, meaning that you will pay the full cost of services out of pocket.
Plan types

Plan types

Terms for specific plan structures and related savings accounts.

HDHP (High Deductible Health Plan)
Plans with a lower monthly cost generally have a higher deductible, which means you’ll pay more for healthcare services at first. This can be a good option if you’re young, healthy, and don’t make frequent trips to the doctor. If you choose this type of plan, make sure your budget can handle your plan’s higher deductible in the case of an unexpected illness or event.

LDHP (Low Deductible Health Plan)
Low deductible plans generally have a higher monthly cost, which means you’ll have lower out-of-pocket costs whenever you go to the doctor or order a prescription. This might be the right choice for you if you have a chronic health condition that needs frequent treatment, you have unique medical conditions, or you are prone to high-risk sports injuries. Or, you may just be willing to pay more every month to reach your deductible more quickly.

HSA (Health Savings Account)
A tax-free bank account connected to a High Deductible Health Plan to help offset the cost of that higher deductible. You can use the account like you would a personal checking or savings account, to pay for eligible medical, dental, and vision expenses throughout the year. In some instances, your employer will contribute funds to this account as well, but you’re also able to set aside funds into the account each pay period up to the maximum amount allowed by the IRS.

FSA (Flexible Spending Account)
A special account that is offered by your employer to allow you to set aside money for medical expenses without paying taxes on that money. FSA money is usually “use it or lose it,” meaning that you must spend the money you have saved before the end of your health insurance plan year or applicable grace period.

Understanding your insurance

Terms related to the insurance structure itself and who is involved.

Carrier
A carrier is another name for an insurance company.

Copay (or Copayment)
The amount that you must pay up-front to receive a healthcare service or medication. A copay is usually a set amount of money and is determined by your insurance plan. The copayment is usually different depending on the type of service or medication you receive. For example, the copay to see your primary care doctor is usually lower than the copay to visit an urgent care center, and the copay for a generic medication is usually lower than the copay for a name-brand medication.

Coinsurance
The amount that you must pay to receive a healthcare service or medication. A coinsurance amount is usually a percentage of the total cost of the service or medication and is determined by your insurance plan. For example, your coinsurance for a surgery might be 20% of the total surgery cost.

Deductible
The amount that you must pay out of pocket before your health insurance plan begins paying for certain services. If you’ve paid the full deductible amount out of pocket, you have “met your deductible.” Some services are “subject to deductible,” meaning that you must meet your deductible before a plan will begin to pay for those services. Some services are “not subject to deductible,” meaning that your plan will begin to pay for those services even if you have not met your deductible. If you have a maximum out-of-pocket amount that is higher than your deductible, you may still pay some costs until you meet your maximum out-of-pocket amount.

Health insurance
In a nutshell, insurance is a contract that requires the company that insures you to pay some or all of your healthcare costs in exchange for your monthly payments.

Health plan
Your health plan is the specific insurance plan you choose, and will have specific doctors and providers in the network who can take your insurance.

Out-of-pocket maximum (or maximum out-of-pocket amount)
Your out-of-pocket maximum is the most you will spend in a calendar year for your and your dependents’ medical care. This is above and beyond your deductible for the year. Once you hit your out-of-pocket maximum, insurance covers all of your medical care costs for the remainder of that plan year.

PPO (Preferred Provider Organization)
A type of health plan where you pay less for going to providers in the plan’s network. In this situation, you can still go to doctors, hospitals, and providers outside of the network without a referral, but there will be an additional cost.

Premium
The amount that you pay to continue to have coverage through your health insurance plan. If you receive your health insurance through an employer, this amount is usually taken directly out of your paycheck. If you stop paying your premium, your health insurance plan will drop your coverage, and you will be uninsured.

Provider
A doctor, nurse practitioner, pharmacist, therapist, or other type of healthcare worker who provides healthcare services to you.

Network coverage

Terms defining where you receive care and how it affects cost.

In-network
Providers who are in-network for your plan have entered into an agreement with your health insurance plan. The health insurance plan promises to pay a certain amount to the provider for services that are provided to patients. The provider promises to accept the amount that the health insurance plan pays and not charge the patient additional fees. Seeing an in-network provider usually means that you will pay the lowest cost for services. Some health insurance plans will not pay anything for services that are provided by out-of-network providers.

Out-of-network
Providers who are out-of-network for your plan have not entered into an agreement with your health insurance plan. Seeing an out-of-network provider usually means that you will pay the highest cost for services. Some health insurance plans will not pay anything for services that are provided by out-of-network providers, meaning that you will pay the full cost of services out of pocket.

Plan types

Terms for specific plan structures and related savings accounts.

HDHP (High Deductible Health Plan)
Plans with a lower monthly cost generally have a higher deductible, which means you’ll pay more for healthcare services at first. This can be a good option if you’re young, healthy, and don’t make frequent trips to the doctor. If you choose this type of plan, make sure your budget can handle your plan’s higher deductible in the case of an unexpected illness or event.

LDHP (Low Deductible Health Plan)
Low deductible plans generally have a higher monthly cost, which means you’ll have lower out-of-pocket costs whenever you go to the doctor or order a prescription. This might be the right choice for you if you have a chronic health condition that needs frequent treatment, you have unique medical conditions, or you are prone to high-risk sports injuries. Or, you may just be willing to pay more every month to reach your deductible more quickly.

HSA (Health Savings Account)
A tax-free bank account connected to a High Deductible Health Plan to help offset the cost of that higher deductible. You can use the account like you would a personal checking or savings account, to pay for eligible medical, dental, and vision expenses throughout the year. In some instances, your employer will contribute funds to this account as well, but you’re also able to set aside funds into the account each pay period up to the maximum amount allowed by the IRS.

FSA (Flexible Spending Account)
A special account that is offered by your employer to allow you to set aside money for medical expenses without paying taxes on that money. FSA money is usually “use it or lose it,” meaning that you must spend the money you have saved before the end of your health insurance plan year or applicable grace period.