Quick answer
Yes. Lowe’s offers medical, dental and vision coverage to all regular full-time and part-time associates. Part-time associates get their own medical plan. As Lowe’s described it in 2023, it covered preventive care, mental health care, virtual visits and a limited number of in-person doctor visits. Full-time associates get more options, including health savings and spending accounts and fertility benefits.
Key takeaways
- Regular full-time and part-time associates can both get medical, dental and vision coverage.
- Part-time associates have a separate medical plan. As Lowe’s described it in 2023, it included unlimited $0 virtual visits and four in-person primary care or specialist visits after a copay.
- In 2025, Lowe’s lowered part-time copays for primary and urgent care and cut part-time payroll deductions.
- Full-time associates also get an HSA, FSAs, adoption help and expanded fertility and family-planning benefits.
- All associates and their families can use the employee assistance program for counseling.
On this page
Who’s eligible
| Associate type | Health coverage |
|---|---|
| Regular full-time | Medical, dental and vision, plus HSA, FSA and extra programs |
| Regular part-time | Medical (a separate part-time plan), dental and vision |
| Seasonal or temporary | Not listed as eligible; ask HR |
Lowe’s doesn’t publish on its careers page how many hours count as full-time or how long you wait before coverage starts. Ask during hiring, or check the benefits pricing site Lowe’s points applicants to.
The part-time medical plan
Lowe’s introduced an upgraded medical plan for part-time associates in 2023. At that time, Lowe’s said it included:
- Unlimited virtual health care visits at no cost
- Mental health care and preventive care
- Pharmacy discount cards
- Four primary care or specialist visits in person, after a copay
In 2025, Lowe’s said part-time associates got lower copays for primary and urgent care visits and lower payroll deductions. A plan with a set number of in-person visits covers less than a typical full-time plan, so if you expect a lot of care, like a surgery or ongoing treatment, check how the part-time plan handles hospital and specialist costs before you rely on it. For more on how much a plan really covers, see how much coverage health insurance actually offers.
What full-time associates get
Lowe’s 2025 Corporate Responsibility Report lists these benefits for full-time associates on top of the health, pharmacy, dental and vision benefits offered to everyone:
- A health savings account (HSA) and flexible spending accounts (FSAs)
- Second opinions from medical experts
- A diabetes prevention program
- Family planning and fertility support, expanded in 2025 to include fertility treatment, pregnancy and postpartum care, doula and surrogacy reimbursement, and menopause support
- Adoption assistance
See what is an HSA and will health insurance cover infertility treatment.
Mental health support
Through Lowe’s employee assistance program, associates and their families can get counseling and therapy sessions. Lowe’s health programs also include support for chronic conditions and weight management.
Job-based coverage vs. the Marketplace
If Lowe’s offers you coverage that’s affordable and meets minimum value, you usually can’t get a premium tax credit for a Marketplace plan. For 2026, coverage counts as affordable if your share of the premium for employee-only coverage is no more than 9.96% of your household income (10.22% in 2027). A limited part-time plan may not meet the minimum value standard, and if it doesn’t, you could still qualify for Marketplace help. See can I get Marketplace coverage if my employer offers it and is it cheaper to get health insurance through your employer.
If you leave Lowe’s, you can usually keep your plan for a while through COBRA. For other retailers, see does Home Depot offer health insurance, does Walmart offer health insurance and does Costco offer health insurance.
More employer guides: Amazon, Costco, DoorDash, Home Depot, Kroger, Lyft, McDonald’s, Starbucks, Target, Uber and Walmart.
Comparing Lowe’s coverage with your other options? Get quotes by ZIP code.
Frequently asked questions
Does Lowe’s offer health insurance to part-time employees?
Yes. Regular part-time associates can get medical, dental and vision coverage. The medical plan for part-time associates is separate from the full-time plans.
What does Lowe’s part-time health insurance cover?
As Lowe’s described it in 2023, the part-time plan included unlimited free virtual visits, preventive and mental health care, pharmacy discounts and four in-person doctor visits after a copay. Lowe’s lowered part-time copays in 2025, so check the current plan details.
Does Lowe’s offer fertility benefits?
Yes, for full-time associates. Lowe’s expanded its fertility and family-planning benefits in 2025.
Sources
Employer benefits change often. This article is general information based on Lowe’s published benefits and isn’t affiliated with Lowe’s. Last reviewed September 2026.