Prescription Drugs

When you enroll in a full-time medical plan, you automatically have prescription drug benefits. CVS Caremark administers the prescription drug plan for Option 1, Option 2, HDHP, and the HMSA medical plans. Kaiser administers the prescription drug plan for its medical plans.

To learn more, click here or call 1-855-381-1661. You must be logged in to My Lowe’s Life to access the CVS Caremark website. If you are not logged in to My Lowe’s Life, you will be prompted to enter your employee ID and password.

Pharmacy plan design:

You can have your prescription filled in one of three ways:

  • At a retail pharmacy – Take your prescription to the nearest participating pharmacy for a 30-day supply, or you can receive a 90-day supply at retail through a CVS pharmacy.
  • Through home delivery – If you take maintenance medications and wish to have your prescription mailed to your home, ask your doctor for a prescription for a 90-day supply, plus refills for up to one year. Complete and send in a home delivery order form, then wait for your medication to be delivered to your home. Go to CVS Caremark’s website for more information about maintenance medications and how to use home delivery.
  • Online – Go to CVS Caremark’s website and have your medication shipped to you within two weeks.
Drug Type Retail Pharmacy (30-Day Supply) Home Delivery/CVS Pharmacy (90-Day Supply)
Generic$8 copay$20 copay
Formulary (no generic alternatives)$30 copay$60 copay
Formulary35% ($35 min / $70 max)35% ($70 min / $140 max)
Non-formulary35% ($90 min / $170 max)35% ($170 min / $340 max)
Non-formulary (lifestyle drugs)Restricted to home delivery program only80% (Member pays full price at retail)
Specialty drugs$50 copay$50 copay


How the Lowe’s prescription drug benefit works with the HDHP plan:

You must meet the HDHP plan deductible: $1,750 if you enroll in employee-only coverage or $3,500 if you enroll dependents (in-network) before the plan begins to share the cost of prescription drugs. For the HDHP medical plan, you have access to the CVS Caremark pharmacy network.