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2022 Annual Enrollment Benefits Guide Oct. 4–22 Enroll now.

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Enroll now.
For all part-time associates: Look for a green marker, which denotes benefits that are available to you!
P Part-Time Benefits
At Lowe’s, we’re committed to supporting you and your family, and we demonstrate that commitment through our comprehensive and competitive benefit offerings.
Annual Enrollment for 2022 benefits is Oct. 4–22. This is the time to select the offerings that will work best for you in the coming year. Please review the information in this guide and keep it for reference throughout the year. The more you know, the better prepared you’ll be when you or a covered member of your family needs care.
1 | 2022 Annual Enrollment Guide
Full-Time Medical Plan Changes For 2022 you’ll have the choice of three medical plans: Option 1, Option 2, and a new high deductible health plan, the Choice Account with Optional HSA. This new plan is being introduced to help simplify our medical plan offerings.
The former Choice Account and Choice Account Plus plans are merging into this new plan. If you are currently enrolled in either the Choice Account or Choice Account Plus plan you will be automatically enrolled in the Choice Account with Optional HSA for 2022 if you do not make a change during the three- week Annual Enrollment period.
All three plans will remain with the Blue Cross Blue Shield (BCBS) network. Even though our BCBS plan is located in Alabama, associates across the country have access to a national network of quality providers and facilities (refer to pages 17-18). Kaiser Permanente will continue to be offered in states where available.
• Option 1 and Option 2 medical plan designs are not changing. Enrollees in these plans will need to continue to complete the Activation Reward to receive the biweekly $50 savings to offset your medical premiums. All BCBS members will receive new ID cards for 2022 even if you did not change medical plans.
• In 2022, the Activation Reward will apply to Option 1 and Option 2 plans only. Associates enrolled in the Choice Account with Optional HSA may still view the Benefits video and complete the survey, but the Activation Reward will not apply.
• The HSA Dollar for Dollar match up to $500/$1,000 will only continue in 2022 for associates whose base salary is $50,000 a year or less. This salary cap is based on annual salary.
Enhanced Fertility Support Benefits For 2022 your fertility benefits through Progyny will include fertility preservation and donor tissue coverage. More information is located within this guide.
Specialty Drug Copay Assistance Your pharmacy benefits with CVS will now include access to the PrudentRx program for members using certain specialty medications. This program brings considerable savings to you when purchasing your prescriptions. If you take qualifying specialty medication, PrudentRx will contact you directly.
Vision Plan Enhancements P
For both the High and Low Vision plans, we are adding the following enhancements (refer to page 22):
• $20 copayment for retinal screening for all members.
• Retinal screening for members with diabetes at no cost. $20 per exam for additional exams and services for members with diabetes, glaucoma or age-related macular degeneration.
• Treatment and diagnoses of eye conditions, including pink eye, vision loss and cataracts available for all members.
What’s New? New Year, New Benefits for 2022 We have several benefit enhancements that will be offered to full-time and part-time associates in 2022.
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Dental Plans In 2022 the out-of-network Dental High and Low Plan benefits will be reduced. Visit an in-network dental provider to maximize your plan savings when receiving dental care (refer to page 21).
Accidental Death and Dismemberment (AD&D) Plan MetLife Accidental Death and Dismemberment Plan will now be offered through The Hartford. The Hartford will continue to provide the same AD&D Insurance to pay a lump sum in the event of a covered accident. Specifically, these covered accidents are ones that could not be foreseen and are fatal or dismembering.
Life Insurance Life insurance coverages will also move to The Hartford from MetLife. The Hartford is honoring all pre-approved coverage amounts. Associates will not need to go through evidence of insurability (EOI) or re-approval for any coverages they already are enrolled in.
Lowe’s will continue to invest in our associates‘ financial well-being by providing Employer Paid Life Insurance benefits for all who are full-time benefits eligible.
Salaried: 1x annual salary Hourly: $10,000 employer paid
Long-Term Disability (LTD) We all learned the importance of health and disability coverage this past year. New York Life has agreed to waive evidence of insurability (EOI) for our hourly associates who enroll in the voluntary LTD plan. This is a one-time offer during 2022 annual enrollment. More information can be found on the enrollment site when you make your LTD elections.
Virtual BetterHelp Therapy P Lowe’s calm program continues to offer virtual therapy through BetterHelp. Connect with a licensed therapist via text, live chat, phone or video.
Substance Use Center of Excellence If you or someone in your family is struggling with substance use disorder, we now have a Centers of Excellence program to help. The program provides a higher level of coverage for certain substance use disorder treatments at several national treatment facilities, to assist full-time associates and their dependents enrolled in a Lowe’s BCBS medical benefit option.
SmartChoice for saving and spending accounts Instead of Your Savings Account™ (YSA) administering the Healthcare FSA, Health Savings Account and Dependent Care FSA, SmartChoice will be your one-stop shop for your tax-favored savings and spending account needs.
Looking for ways to stay fit and healthy at home? Get discounts on health products and programs like: fitness memberships and devices, yoga products and virtual workouts, and nutritional meal delivery services on Benefithub. Visit Benefithub.com/lowes for more information.
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Reminders
• Annual Enrollment will open Monday, Oct. 4, and close at 11:59 p.m. CT on Friday, Oct. 22. Log into MyLowesBenefits.com and click the Annual Enrollment tile to get started.
• Enrollment for most benefits is passive, so insurance coverage in place on Dec. 31, 2021, will roll over to the most similar coverage available on Jan. 1, 2022, unless you make changes during Annual Enrollment. Associates currently enrolled in the Choice Account or Choice Account Plus plan will automatically be enrolled in the Choice Account with Optional HSA plan for 2022 unless a change is made during the three-week Annual Enrollment period.
• Flexible Spending Account contributions (health or dependent care), Health Savings Account contributions and Activation Reward are active enrollments. That means you must take action to re-enroll each year or these benefits revert to $0.
• For hourly associates, Lowe’s will match 50% of your contributions to the Dependent Care Flexible Spending Account (DCFSA) up to a maximum match of $1,000 per year.
The DCFSA can be used to pay for daycare, camps and other eligible expenses with tax-free money, and Lowe’s will make a contribution to help.
You must pledge an annual contribution during Annual Enrollment to receive the Lowe’s match.
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Access to Accolade and these additional benefits are available to you through your BCBS medical plan
(for BCBS plan details, refer to pages 17-18).
Accolade is the front door to these benefits!
All Your Benefits Under One Roof
Know your plan benefits: Talk to Accolade Accolade provides you with a designated Health Assistant who gets to know you and your health care needs. This personal resource can:
• Help you navigate your Lowe’s benefits and use them effectively
• Help you establish a relationship with your in-network primary care provider
• Help you seek in-network “sick” care as well as preventive care
• Assist with researching bills and documents you may receive after getting medical care.
Connect with your Accolade Health Assistant in three ways:
VISIT lowes.myaccolade.com and create an account.
DOWNLOAD the Accolade mobile app from Google Play or the Apple Store. You can send secure messages to your Health Assistant via the mobile app. Text ZLFK to 67793 to download. (Message and data rates may apply.)
CALL 888-926-2404 to speak with your Health Assistant. Office hours are Monday–Friday: 8 a.m. to 8 p.m. ET.
Health & Well-being Benefits
5 | 2022 Annual Enrollment Guide
Access to Accolade and these additional benefits are available to you through your BCBS medical plan
(for BCBS plan details, refer to pages 17-18).
Accolade is the front door to these benefits!
All Your Benefits Under One Roof
Telemedicine
Hypertension Support
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Fertility Benefits In 2022 we will continue to enhance our fertility benefit offering to bring you an inclusive family building benefit and comprehensive coverage for every path
to parenthood. Our fertility benefits Center of Excellence provides member services, care management, claims processing and a secure member portal for full-time Lowe’s associates enrolled in a BCBS medical plan.
To get started, reach out to Accolade at 888-926-2404 or visit the Accolade mobile app to learn about your benefit.
Fertility benefits include:
• NEW FOR 2022: Fertility preservation and donor tissue coverage:
Individuals with ovaries may need to preserve their fertility for a myriad of reasons including advanced age, injury, cancer treatment, or other underlying diagnoses affecting fertility. Fertility preservation (egg and sperm freezing) is included now in your Smart Cycle benefit so you can build your family on your own timeline.
Donor tissue purchase coverage is a great option for those who cannot use their own egg or sperm. As well as coverage for purchasing donor egg or sperm, your Progyny Patient Care Advocate can offer guidance around known versus anonymous donation, how to select a donor, and agency or bank referrals.
• IUI (Artificial Insemination)
• Frozen Embryo Transfer
• Comprehensive Consultations
This benefit is brought to you by Progyny.
Behavioral Health Support Caring for a child with learning, social or behavioral challenges, or developmental disabilities like autism and ADHD, can be challenging. Lowe’s offers eligible associates
access to Rethink, which includes 24/7 virtual access to expert behavioral clinicians as well as online, evidence-based training and support for parents and caregivers of children of all ages.
Talk to your Accolade Health Assistant for more information. Available at no-cost to full-time associates enrolled in a BCBS health plan.
This benefit is brought to you by Rethink.
7 | 2022 Annual Enrollment Guide
Centers of Excellence Programs If you or a covered family member is considering any of the following procedures, your Accolade Health Assistant can help guide you through the process. Contact Accolade at 888-926-2404 or visit the Accolade mobile app.
• Cardiac Care: Procedures such as aneurysm repair, closures of heart defects, valve replacements and additional inpatient complex cardiac surgeries can be treated through our Cardiac Care COE.
• Joint Replacement: Considering a total or partial hip or knee replacement surgery? Eligible associates and their family members may receive no-cost knee and hip replacements at one of several designated Centers of Excellence.
• Spine Surgery: If you are exploring spine or back surgery such as spinal fusion, our COE for Spine can help. Eligible associates and their family members may receive no-cost spinal care at one of several designated Centers of Excellence across the country.
• Substance Use Disorder: If you or someone in your family is struggling with a substance use disorder, this program can provide you with support and resources at one of our high quality national treatment facilities.
• In addition to the Contigo network of facilities/providers, you also have access to the BCBS Blue Distinction Centers+ (BDC+) across the country.
• NEW FOR 2022: Cancer/Oncology COE. We are excited to partner with two prestigious health care facilities to launch our newest COE.
COE Programs brought to you by Contigo Health.
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Expert Medical Opinion Expert medical opinion services, provided at no additional cost,
can help you avoid unnecessary medical costs and put you on the path to higher quality medical care. With this benefit, you can arrange for a second opinion from a world-class expert from the comfort of your own home. You’ll be connected with board- certified, leading doctors across the country for an expert, second opinion via video or phone within three to five days. Your Care Team coordinates all the details, so you can focus on one thing – getting the best care possible. They can double-check diagnoses, verify if a procedure is right for you, and explore alternative treatment options.
Full-time associates on a BCBS medical plan can find out more by talking to your Accolade Health Assistant if you and your family need:
Answers Remotely receive second opinions on medical issues from world-class doctors.
Information They’ll tell you what you need to know about a condition or treatment.
Support Experts can help you make informed decisions about surgeries and more.
This benefit is brought to you by 2nd.MD.
Did You Know? If you or a covered dependent are considering hip, knee or spine surgery and are not utilizing our COE programs, Lowe’s requires an expert second opinion before surgery. For more information, and to be sure you avoid incurring a $1,000 penalty, please call Accolade at 888-926-2404. For full-time associates enrolled in a BCBS medical plan.
Top conditions supported by expert
medical opinions: 1. Back trouble
2. Digestive tract problems
6. Heart conditions
7. Knee problems
8. Chronic pain
9. Reproductive issues
TOP
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Diabetes Management, Diabetes Prevention and Hypertension Support This program helps make living with pre-diabetes, diabetes, and/or hypertension easier. It is offered at no cost to you and your family members who have medical coverage through BCBS.
Enjoy the benefits of remote care from the comfort of home, including:
• Depending on your health goals, you could receive a free blood glucose meter, blood pressure monitor, and/or smart scale. They all send readings right to your private account on an easy-to-use app.
• Enjoy peace of mind with 24/7 support: A Livongo expert coach can contact you within minutes of an out-of-range reading to help you safely get back on track.
• Securely send health reports to doctors to help remotely manage your care.
• Connect virtually with expert coaches. Supportive health coaches are ready to help you navigate your health in these extraordinary circumstances. Chat by phone, or ask quick questions in the Livongo app.
This benefit is brought to you Livongo.
Telemedicine Lowe’s offers several benefit resources to help you stay healthy, including virtual care options. Teladoc gives BCBS plan members access 24 hours, seven days a
week to a U.S. board-certified physician through the convenience of phone, video or mobile app visits. Virtual visits with providers allow you to get the support you need from the comfort of your home. It’s an affordable option for quality medical care. For first-time users in BCBS Option 1 or Option 2, your first Teladoc visit is at no cost to you.
General Medical: Talk to a doctor anytime, anywhere. You have access to a network of doctors that can treat every member of the family. Prescriptions can be sent to your pharmacy of choice if medically necessary. Complete your registration ahead of time so you’re ready to use Teladoc when needed.
Teladoc doctors can diagnose and treat many medical conditions, including:
• Cold & flu symptoms
• Pink eye
• Respiratory infection
• Sinus problems
• Skin problems
Dermatology: You have access to a board-certified dermatologist via web or mobile app to treat acute or ongoing skin conditions such as psoriasis, skin infection, rosacea and more. You securely share high-quality images and you will receive a diagnosis within two business days (on average, within eight hours). Providers can prescribe approved medications if needed.
Download the Teladoc app from the Apple Store or Google Play to register your account. You will need your BCBS medical ID card handy to complete your registration the first time.
This benefit is brought to you by Teladoc.
Did You Know? With the Diabetes Management Program, members will receive a glucose monitor and unlimited test strips. When you need more strips, they’re delivered right to your door at no cost to you.
11 | 2022 Annual Enrollment Guide
Benefits Questions? Lowe’s has multiple ways for you to get the benefits help you need. Please refer
to the following examples as a guide for which avenue can help you best!
Hear about programs for me and my baby DURING PREGNANCY
Get help with a DOCTOR BILL that doesn’t seem right
Get an expert SECOND OPINION for a recent diagnosis
Find a HIGH QUALITY doctor or health care facility in my area
Explore my options for HEART, HIP, KNEE or SPINE surgery
Learn about the various options available to me for PREVENTIVE OR SICK CARE
QUIT SMOKING
Learn about programs that can help me MANAGE MY DIABETES
VISIT: Lowes.MyAccolade.com CALL: 888-926-2404
Find LOWER COST drug choices for the drug I was prescribed
Learn about which HEALTH PLAN could be right for me and my family
Complete or CHECK ON THE STATUS of my
Learn about benefit changes for my NEW PART-TIME or FULL-TIME POSITION
View & pay bills for health insurance premiums during a LEAVE OF ABSENCE
Understand my ENROLLMENT WINDOW for benefits
Read detailed information about what my BENEFIT PLANS cover
File a reimbursement claim for my HEALTHCARE FSA, HSA, or DEPENDENT CARE FSA ACCOUNT
Upload VERIFICATION DOCUMENTS for a dependent on my plan
Ask questions about my PAYROLL DEDUCTIONS
VISIT: MyLowesBenefits.com CALL: 844-HR-LOWES
ADD OR REMOVE a dependent from my coverage
THE LOWES BENEFITS
SERVICE CENTER
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Lowe’s offers several financial programs to support you during all stages of your life.
Traditional and Roth 401(k) now managed by Principal We are excited to offer you another way to work towards your savings and retirement goals. Lowe’s associates are eligible to contribute to a Roth savings account within the Lowe’s 401(k) Plan through Principal (formerly Wells Fargo). This is another way associates can contribute to their 401(k) accounts, but with different rules on when contributions are taxed.
Roth contributions, like the pre-tax salary deferral contributions you can already make under the Lowe’s 401(k) Plan, are amounts you contribute from your paycheck toward your retirement savings. Unlike pre-tax contributions to your 401(k) account, which are excluded from your taxable income, Roth contributions are not excluded from your taxable income but are generally not taxed when a qualifying distribution occurs at retirement.
You can access your account by logging into myHR > My Health & Well-Being > View and Update my 401(k). Please contact Principal at 800-547-7754 or principal.com if you have questions about the Roth 401(k) salary deferral option.
Financial Protection Benefits
13 | 2022 Annual Enrollment Guide
P Lowe’s offers three Allstate Benefits plans to help cover additional medical costs. Two of these plans include a Wellness Benefit. If any covered person has preventive care performed during the year, they can provide proof in a claim to Allstate and get a $75 check for both the Accident and Critical Illness plans (if enrolled in both).
TIP: If you’re enrolling for the first time, wait 30+ days to have the preventive visit or the wellness claim won’t count.
• Critical Illness: Receive a cash payout if a covered person has a serious disease or health condition like a heart attack, stroke or cancer.
• Off-the-Job Accident: Receive a cash payout if a covered person is hurt in an accident and incurs a health expense.
• Fixed Indemnity: Receive a cash payout if a covered person has a hospital stay.
Note: If you are expecting a baby in 2022 and delivering in a hospital, this benefit can help offset the cost of the hospital stay for you and your baby.
Need a leave of absence? For full-time associates: The Lowe’s Disability, Leaves and Accommodations Service Center, managed by Sedgwick, is available to help you with your workplace accommodation and leave of absence needs. They can assist with at-work medical accommodations, religious accommodations, medical and personal leaves of absence, military leaves and short-term disability. You can reach them via MyLowesBenefits.com by clicking Leaves, Accommodations or Worker’s Compensation on the Sedgwick tile to begin a claim. You can also call 844-HR LOWES (844-475-6937) Monday through Friday 7 a.m. to 7 p.m. CT.
For part-time associates: Call Sedgwick to initiate a leave of absence. If enrolled in the part-time Short-Term Disability plan, you will be advised to contact Allstate to start a disability claim.
Peace of Mind During Uncertainty Lowe’s cares about your physical, mental and financial well-being. We offer many additional benefits to help you stay well in all areas of your life. Here are some savings tips:
• Review your Annual Enrollment selections carefully so you don’t end up paying for more medical, dental or vision plan coverage than you’re using. You also don’t want to miss out on employer matching dollars to your Health Savings and Dependent Care Flexible Spending accounts. By evaluating your options carefully, you could uncover savings.
• Request an Auto or Home Insurance quote to see if a lower rate is available to you. Additional carrier information is accessible on Benefits Plus through MyLowesBenefits.com.
• Benefithub can save you money on everyday purchases from top brands in a variety of categories. Visit lowes.benefithub.com to save on apparel, electronics, education, fitness and more.
• If enrolled in a Life Insurance Plan, don’t forget to name your beneficiary.
• If you’re enrolled in Long-Term Disability, your plan includes free 30-day money coaching services to support the financial health of your household. The LTD plan also includes will preparation services. Call 888-724-2262 or visit nylgbs.mysecureadvantage.com for more information.
• Lowe’s associates have the opportunity to share in the company’s financial success by participating in the Lowe’s Employee Stock Purchase Plan (ESPP). The ESPP is a voluntary way for eligible associates to purchase Lowe’s stock (NYSE: LOW) at a 15 percent discount, via no-hassle payroll deductions. Full-time, part-time and seasonal associates are eligible to participate after 30 days of continuous service as of the eligibility date.
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Need legal advice? Enroll in the MetLife High or Low legal plan and you’ll get:
• A customer service team to match you with the right legal help
• Legal advice from attorneys in person or by phone
• In-court representation for certain covered legal matters
• Mobile app and online tools for your convenience
• No copays, deductibles or claim forms when using a network attorney for a covered matter
• Digital Estate Planning – guided process to complete wills, living wills, power of attorney and living trust documents online.
Total Rewards Statement We introduced Total Reward Statements via Workday for all U.S. associates in August. The statement is a personalized view into your “total rewards” package, which includes not only your compensation but also the value of your retirement and health and welfare benefits, and more, as listed on your statement. The statement provides you visibility to a rolling, 12-month view of the monetary amounts of your benefits and compensation. Your statement is accessible in Workday under the Benefits and Compensation sections (myHR > My HR Tools > Workday > Profile > Compensation or Benefits.)
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15 | 2022 Annual Enrollment Guide
Family Matters Because what happens at home affects your whole life, including your work, Lowe’s offers associates a variety of benefits to help ease your mind when it comes to family concerns.
Lowe’s calm program provides access to care in a variety of ways with enhanced benefit solutions like BetterHelp. You can receive counseling in person, online or through web-based care programs.
To make it easier to access licensed counselors, we offer confidential, online services through BetterHelp. You can send a counselor a secure, confidential message (text, video or voice message) whenever you need, and the counselor will typically engage at least two times a day, five days a week. Visit MyLowesBenefits.com to get started.
You still have access to in-person counseling and will continue to receive five sessions at no cost to you or your household members. For access to in-person counseling sessions, please call 877-543-3875.
• For virtual therapy, one audio or real-time video or live chat session equals one pre-paid counseling session. One week of text messaging is equivalent to one pre-paid counseling session.
In addition to BetterHelp, calm also provides web-based, confidential care programs for support and information about day-to-day concerns. With calm, receive the support you need to continually improve yourself at work and at home. To access these self-paced programs, go to My Lowe’s Life > myHR > My Health and Well-Being > Wellness tab > calm tile (calm). Then select Benefits > Web-Based Care for the self-paced courses.
Mental Health Benefits
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Available to associates and their permanent household members and their college-aged students living away from home. If under 18, parents may need to provide consent for treatment.
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Plan Summary
Kaiser administers the prescription program for its medical plans. Associates enrolled in Kaiser should consult their HMO booklet or carrier for more details.
BCBS Health FOR FULL-TIME ASSOCIATES
Choice Account with Optional HSA Option 1 Option 2
What’s Covered? What’s Covered?
Annual Deductible Associate: $2,000 | Associate + Children: $5,000 | Family: $5,000 Associate: $1,000
Associate + Children: $3,000 | Family: $3,000 Associate: $1,500
Associate + Children: $4,500 | Family: $4,500
Annual Out-of-Pocket Maximum
Associate + Children: $12,000 | Family: $12,000 Associate: $6,000
Associate + Children: $12,000 | Family: $12,000
Coinsurance 50% plan | 50% member 70% plan | 30% member 60% plan | 40% member
Wellness & Preventive 100% paid by plan 100% paid by plan
Primary Care 50% paid by plan, 50% paid by member after deductible
$30 copay $40 copay
Prescription
What’s Covered?
after deductible
$10 copay up to a 30-day supply
$15 copay up to a 30-day supply
Preferred Brand 35% ($35 min/$70 max) up to a 30-day supply
40% ($40 min / $80 max) up to a 30-day supply
Non-PrudentRx eligible medicines
PrudentRx eligible medicines
Not available 30% after deductible; $0 if
enrolled in PrudentRx 30% after deductible; $0 if enrolled in PrudentRx
FOR FULL-TIME ASSOCIATES CVS Caremark administers the prescription drug plan for BCBS medical plans.
17 | 2022 Annual Enrollment Guide
Here’s a quick summary of your benefits options for 2022. Go to MyLowesBenefits.com for complete descriptions of your benefits options and review the tools and resources available to you as you make your selections. All plan design elements shown below assume in-network providers. Care through out-of-network providers may lead to higher member costs.
Choice Account with Optional HSA Option 1 Option 2
What’s Covered? What’s Covered?
Annual Deductible Associate: $2,000 | Associate + Children: $5,000 | Family: $5,000 Associate: $1,000
Associate + Children: $3,000 | Family: $3,000 Associate: $1,500
Associate + Children: $4,500 | Family: $4,500
Annual Out-of-Pocket Maximum
Associate + Children: $12,000 | Family: $12,000 Associate: $6,000
Associate + Children: $12,000 | Family: $12,000
Coinsurance 50% plan | 50% member 70% plan | 30% member 60% plan | 40% member
Wellness & Preventive 100% paid by plan 100% paid by plan
Primary Care 50% paid by plan, 50% paid by member after deductible
$30 copay $40 copay
Note: This summary provides an overview for in-network services only. Kaiser Permanente does not include out-of-network coverage. Please visit MyLowesBenefits.com for detailed information on in-network and out-of-network benefits.
Health Savings Account (HSA) FOR FULL-TIME ASSOCIATES
Your Health Savings Account (HSA), which uses before-tax savings to pay for eligible health- care expenses, can grow faster for associates enrolled in Choice Account with Optional HSA because Lowe’s will match your Health Savings Account (HSA) contributions dollar for dollar up to a maximum of $500 for associate-only coverage, or $1,000 if you’re covering dependents. Remember, you must contribute funds in order to receive the Lowe’s match. The HSA Dollar for Dollar match up to $500/$1,000 will only continue in 2022 for associates whose base salary is $50,000/year or less. This salary cap is based on annual salary.
Did You Know? Your HSA includes a feature called HSA Advance. If you need more money to cover your eligible expenses, HSA Advance will accelerate future contributions to your HSA deposit account to automatically cover HSA card charges. With HSA Advance, future payroll contributions are available early to cover those expenses. You don’t need to do anything extra. Your future payroll deductions will then be applied to any accelerated amount you’ve used.
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Kaiser Permanente Health
Kaiser Choice Account with Optional HSA Kaiser Option 1 Kaiser Option 2 Kaiser Hawaii HMO
Kaiser Hawaii POS
KP Plan Contracted
Annual Deductible
Family: $5,000
Family: $3,000
Family: $4,500
Family: $0
Family: $0
Family: $300
Annual Out-of-Pocket
Family: $12,000
Family: $12,000
Family: $12,000
Family: $7,500
Family: $6,000
Family: $6,000
Coinsurance 50% plan | 50% member 70% plan | 30% member 60% plan | 40% member 90% plan | 10% member 90% plan | 10% member 80% plan | 20% member
Wellness & Preventive
Primary Care 50% paid by plan, 50% paid by member
after deductible
$30 copay $40 copay $20 copay $20 copay 80% paid by plan
20% paid by member after deductible
Specialty Care $50 copay $60 copay $20 copay $20 copay 80% paid by plan
20% paid by member after deductible
Generic Rx (30-day supply)
CA: 40% paid by member after deductible
CO, GA, Mid-Atlantic (DC, MD, VA), NW & WA: 50% paid by member after deductible
$10 $15 $15 $15 20% paid by member; $15 minimum
24/7 Advice Line; Email; E-visits $0 $0 $0 $0 $0 Varies by provider
Scheduled Phone and Video Visits $0 (after deductible) $0 $0 $0 $0 Varies by provider
FOR FULL-TIME ASSOCIATES Please note, some plans have an aggregate deductible. Review the plan information in greater detail on MyLowesBenefits.com.
Health FOR PART-TIME ASSOCIATES This is a limited medical plan administered by UnitedHealthcare.
Preventive Plus
Annual Deductible There is no annual deductible, annual out-of-pocket maximum,
or coinsurance for the covered visits, but you will pay charges for additional services at the visits
Annual Out-of-Pocket
Wellness & Preventive 100%
Primary Care 100%, Limited to six visits per covered person per calendar year
Surgical/Diagnostic Not covered
19 | 2022 Annual Enrollment Guide
Kaiser Choice Account with Optional HSA Kaiser Option 1 Kaiser Option 2 Kaiser Hawaii HMO
Kaiser Hawaii POS
KP Plan Contracted
Annual Deductible
Family: $5,000
Family: $3,000
Family: $4,500
Family: $0
Family: $0
Family: $300
Annual Out-of-Pocket
Family: $12,000
Family: $12,000
Family: $12,000
Family: $7,500
Family: $6,000
Family: $6,000
Coinsurance 50% plan | 50% member 70% plan | 30% member 60% plan | 40% member 90% plan | 10% member 90% plan | 10% member 80% plan | 20% member
Wellness & Preventive
Primary Care 50% paid by plan, 50% paid by member
after deductible
$30 copay $40 copay $20 copay $20 copay 80% paid by plan
20% paid by member after deductible
Specialty Care $50 copay $60 copay $20 copay $20 copay 80% paid by plan
20% paid by member after deductible
Generic Rx (30-day supply)
CA: 40% paid by member after deductible
CO, GA, Mid-Atlantic (DC, MD, VA), NW & WA: 50% paid by member after deductible
$10 $15 $15 $15 20% paid by member; $15 minimum
24/7 Advice Line; Email; E-visits $0 $0 $0 $0 $0 Varies by provider
Scheduled Phone and Video Visits $0 (after deductible) $0 $0 $0 $0 Varies by provider
Choosing a Kaiser Permanente plan option provides you exclusive access to a network of providers, facilities, global emergency and urgent care coverage. As a member, you can choose from a wide selection of skilled doctors. You can also change your doctor at any time, for any reason.
If you purchase a prescription drug from a non-network pharmacy, you will be required to pay full price and will not receive reimbursement under the Plan.
Kaiser administers the prescription program for its medical plans. Associates enrolled in Kaiser should consult their HMO booklet or carrier for more details.
FOR PART-TIME ASSOCIATES When you enroll in the part-time medical plan, you automatically have prescription drug benefits.
What’s Covered?
Prescription P
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What’s Covered? (Per Calendar Year)
Deductible $50 Individual / $150 Family No deductible
Class I: Diagnostic/ Preventive Care
100% covered by plan You incur no charge for the following services: routine cleaning, x-rays, oral
exams, topical fluoride, sealants; per tooth
Class II: Basic Restorative
80% covered by plan The DHMO sets the cost for services based on a Patient Charge Schedule
(PCS). The PCS is a list of fees for each covered service within the plan. Refer to your PCS K1|09 on the Coverage tab of
MyCigna for the costs.
Class III: Major Restorative
50% covered by plan
Year 1: $800 Year 2: $900
Year 3: $1,000 No maximum
Ortho lifetime max
$2,000 Not covered No maximum
Dental P FOR BOTH FULL- AND PART-TIME ASSOCIATES The dental plan, administered by Cigna, offers coverage for preventive, minor and major dental care.
*Additional benefits subject to benefit eligibility.
Retirement
• Auto & Home Insurance • Critical Illness • Fixed Indemnity Plan • Flexible Spending Accounts • Health Savings Account
• ID Theft Protection • Life Insurance • Off-the-Job Accident Plan • Paid Maternity Leave • Paid Parental Leave
• Pet Insurance • Pre-Paid Legal • Track to the Trades • Tuition Reimbursement
Financial Protection Benefits • AD&D • Basic Sick Pay
• Long-Term Disability • Short-Term Disability
Plan (ESPP)
• Fixed Indemnity Plan • ID Theft Protection • Life Insurance • Off-the-Job Accident Plan • Pet Insurance
• Pre-Paid Legal • Short-Term Disability • Track to the Trades • Tuition Reimbursement
P
High Low
Lenses every calendar year
photochromic & anti-reflective coatings covered with additional
$10 copay
Premium & custom progressives $40 copay
Frames* Every calendar year; Retail allowance up to $270 for featured frame brands with 20% discount above allowance
Every two calendar years; Retail allowance up to $220 for featured frame brands with 20% discount
above allowance
$220 allowance for elective contacts; 100% for medically necessary
$150 allowance for elective contacts; 100% for medically necessary
Primary EyeCare
Retinal screening for all members
$20 per screening $20 per screening
Additional exams and services for members with diabetes, glaucoma or age-related macular degeneration. Treatment and diagnoses of eye conditions, including pink eye, vision loss and cataracts available for all members.
$20 per exam $20 per exam
FOR BOTH FULL- AND PART-TIME ASSOCIATES VSP (Vision Service Plan) administers the vision plan.Vision P
*You cannot obtain contacts and frames in the same calendar year.
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Ready, Set, Activate Continuing this year, your Activation Reward will be completed on MyLowesBenefits.com. You must complete one of the three Action Steps below to receive the biweekly Activation Reward of $50 to offset your medical premiums when you select an eligible (Option 1 or Option 2) medical plan.
That’s more than $100 per month in savings you don’t want to pass up. Both BCBS and Kaiser members must complete their Activation Reward via MyLowesBenefits.com to lock in their biweekly savings. Those enrolling in the new Choice Account with Optional HSA plan do not need to complete the Activation Reward.
Complete your enrollment on MyLowesBenefits.com by:
• Making a new medical plan election or electing to continue your current medical option
• Submitting your enrollment elections and reaching the Completed Successfully page
2
Take the new Benefits Survey – Take a quick confidential survey
3
You must reactivate even if you completed the Activation Reward
for 2021*
Check out the new interactive Tour Your Benefits video and complete one of three main topics:
• Understanding Your Benefits
23 | 2022 Annual Enrollment Guide
Tools Available on MyLowesBenefits.com: The Medical Expense Estimator helps you estimate your medical costs for 2022. Enter your projected costs, then see an estimate of the cost of those services under each plan.
Use the Health Plan Comparison Tool to compare up to three medical plans. The tool will show you what is covered and the cost for each plan.
Need to find a provider or facility? Use the Find a Doctor, Dentist or Hospital tile to help with your search.
*The 2022 Activation Reward is only available to Lowe’s full-time, benefits-eligible associates enrolled in Option 1 or Option 2 Plans through BCBS and Kaiser. After Mar. 1, 2022, if you don’t activate your reward, your cost will be $50 more per paycheck, for the rest of the year.
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Preventive Care Preventive care is an important part of managing your health. Even if you feel healthy, you should still see a health care provider for regular checkups and recommended screening tests. Tests and exams are a way to detect or prevent chronic diseases.
For full-time associates: Need help with any health or benefits questions? An Accolade Health Assistant is available and can help you schedule preventive care visits.
For part-time associates: Enrolling in the Part-Time Preventive Plan gives you access to 6 preventive care visits per year.
Benefits Contacts Health Benefits Supported by Accolade Medical/Accolade Accolade Health Assistant (BCBS) 888-926-2404
Expert Medical Opinion 2nd MD 866-537-1324
Diabetes, Hypertension, & Weight Management Livongo 800-945-4355
Tobacco Cessation P Clickotine 877-352-5425
Cardiac Heart COE Program Contigo Health 877-230-0994
Joint Replacement COE Program Contigo Health 877-230-0994
Spine COE Program Contigo Health 877-230-0994
Substance Use Disorder COE Program Contigo Health 877-230-0994
Fertility Progyny 833-283-1968
Stand Alone Health Benefits (Accolade does not support)
Benefits Enrollment Support P Lowe's Service Center 844-HR-LOWES
calm: Work/Life Counseling Services P Magellan 877-543-3875
Prescription Drug (except for Kaiser HMO's and Part-Time) CVS Caremark 855-381-1661
Telemedicine and Dermatology Teladoc 800-TELADOC
Dental P Cigna 800-542-4296
Vision P VSP 800-877-7195
Lasik Vision Discount Program QualSight 866-750-7562
Hearing Aid Discount Program for VSP Vision Plan Members P TruHearing for VSP Vision Plan Members 877-396-7194
Part-Time Medical Plan P UnitedHealthcare 888-257-5689
Financial Protection Benefits 401(k) P Principal (formerly Wells Fargo) 800-547-7754
Employee Stock Purchase Plan P E*TRADE 800-838-0908
Disability - Short-Term Sedgwick
Life Insurance The Hartford
25 | 2022 Annual Enrollment Guide
P
Auto & Home Insurance P Benefits Plus 800-626-9078
ID Theft Protection P Benefits Plus 800-626-9078
Pet Insurance P Benefits Plus 800-626-9078
Pre-Paid Legal P MetLife Legal Plans 800-821-6400
Flexible Spending Account (FSA) Lowe's Service Center 844-HR-LOWES
Health Saving Account (HSA) Lowe's Service Center 844-HR-LOWES
Commuter Benefit P Lowe's Service Center 844-HR-LOWES
Tuition Reimbursement P Lowe’s Service Center 844-HR-LOWES
COBRA/Benefits Billing Lowe's Service Center 844-HR-LOWES
Kaiser
Kaiser Medical To speak to a KP enrollment specialist call: 800-324-9208
or text 773-974-311
Kaiser California 800-464-4000
Kaiser Colorado 800-632-9700
Kaiser Georgia 888-865-5813
Kaiser Hawaii 800-966-5955
Kaiser North West
Kaiser Washington 888-901-4636
Financial Protection Benefits (Cont.)
Indicates contact has an app available for downloadP
Did You Know? If you work in a distribution center or store support center, you have access to preventive care at your work location. Visit the Premise Health Center at your location to gain insights into your health and receive help with managing chronic conditions such as diabetes or high cholesterol. Premise also has virtual visit options via video or phone.
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