Comprehensive Health Insurance

Lowe's is dedicated to offering the best and most affordable health plans available where you work, including medical, dental and vision plan options. Many locations will offer an HMO as the sole medical plan option. At other locations, you will be offered the self-funded Co-pay 500, Co-pay 750, and 1750 Medical Plan Options. Both options provide comprehensive medical coverage and participate in a Preferred Provider Network (PPN). The schedule of benefits shown below reflects normal reimbursement. Out-of-network services will result in higher out-of-pocket costs.

Health Care (Co-pay 500 & Co-pay 750 Option)

Eligibility: All regular full-time employees after 89 days of continuous employment.

Co-pay 500 Option:
Annual Deductible $500 individual; $1,500 family
Physician Office Visit $35; $35 specialist
Annual Physical 100% (number of visits depends on age of patient)
Well-Child Visit 100% (number of visits depends on age of patient)
Maximum Out-of-Pocket Limit $4,000 individual; $8,000 family

Co-pay 750 Option:
Annual deductible $750 individual, $2,250 family
Physician Office visit $45; $45 specialist
Annual Physical 100% (number of visits depends on age of patient)
Well Child Visit 100% (number of visits depends on age of patient)
Maximum Out-of-Pocket Limit $5,000 individual; $10,000 family

Benefits Common to Both Co-pay 500 and Co-pay 750 Options:
Unlimited lifetime maximum

Pre-Certification Required: All admissions and certain outpatient surgeries must be pre-approved prior to receiving care. All CT scans, MRIs and PET scans must be preapproved by BCBS of Alabama. Emergency admissions must be reported within 48 hours. Expecting a baby? Be sure to enroll in the prenatal program within your first 24 weeks of pregnancy and complete the program, and we'll waive your newborn's deductible.

Before-Tax Deductions: Lowe's Group Health Plan qualifies under special tax provisions, so we can deduct your medical premiums on a before-tax basis. However, the tax provisions prohibit coverage changes during the year, unless there is a Change of Status.

1750 Medical Plan Option:

Eligibility: All regular full-time employees after 89 days of continuous employment.

Annual Deductible $1,750 individual; $3,500 family
Physician Office Visit N/A (Costs for doctor visits, specialists visits, inpatient & outpatient hospitalizations, and prescription drugs subject to Deductible and Coinsurance)
Plan Coinsurance 50%
Annual Physical 100% (number of visits depends on age of patient)
Well Child Visit 100% (number of visits depends on age of patient)
Annual Out-of-Pocket Maximum $6,000 individual; $12,000 family
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Prescription Drug Benefit

Eligibility: All regular full-time employees after 89 days of continuous employment.

The Co-pay 500 and Co-pay 750 options and most HMOs include an outpatient prescription benefit that allows you to purchase drugs at a discount through CVS Caremark.

Co-pay 500, Co-pay 750 and HMO Options co-pay amounts
Prescriptions (30-day supply)
 $8 generic
35%, $35 min - $70 max Lowe’s formulary
35%, $90 min - $170 max non-formulary
$30 no generic therapeutic
80% non-formulary “lifestyle”

Home Delivery: Get a 90-day supply and save time and money. Enroll or opt out of home delivery program by contacting CVS Caremark.

CVS Caremark has pharmacies nationwide. If your medical plan option includes its own prescription drug benefits, you will be notified in the HMO Summary of Benefits.
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Health Insurance Portability
In compliance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA), the Group Health Plan accepts certificates of prior health coverage. If you become covered by a medical plan with Lowe's, your prior medical coverage can be used to reduce the 12-month exclusion of coverage for preexisting medical conditions.
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Dental Plan
Lowe's offers a stand-alone dental plan administered by CIGNA which provides a preferred provider network for in-network coverage to encourage regular preventive care and to help cover the costs of dental services. Out-of-network services will result in higher out-of-pocket costs.

Eligibility: All regular full-time employees after 89 days of continuous employment.

Maximum Benefit: $1,500 per covered member per calendar year for in-network care, $1,200 for out-of-network care.

Deductible: $50 per covered member per calendar year; $150 per aggregate family limit. Deductible applies to basic and major services.

Preventive Care: Covered at 100% (Two cleanings per year and one set of X-rays per 36 months)

Basic Services: Covered at 80% after deductible (fillings, extractions, repairs, etc.)
Major Services Covered at 50% after deductible (crowns, bridges, inlays, etc.)

Orthodontics: (braces) Employees, spouses, and dependents covered at 50% to a lifetime maximum of $1,000

You are free to choose any dentist you like, but choosing a CIGNA PPN dentist can help save you money. Coverage is limited to reasonable and customary charges.

New enrollees with dental treatments in progress may have coverage for those conditions excluded. As with the medical plan, dental premiums will be deducted on a pretax basis and changes in coverage can be made only during annual enrollment, unless there is a Change of Status.
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Vision Care

Eligibility: All regular full-time employees, after 89 days of continuous employment.

This Plan is offered through United Healthcare Vision, a leading vision plan vendor with over 24,000 participating providers. The Plan will offer a comprehensive vision examination, as well as benefits for lenses (eyeglass or contact) and frames. Two options will be available, and your coverage will depend upon your enrollment election.
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Lowe’s is an equal opportunity affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, or disability.

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