Does Lowe's cover IVF?
What Lowe's publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
- Benefit pages read · checked 16 h ago
Yes. Lowe's says it covers IVF for eligible US employees, up to 2 Maven Cycles. Part-time workers can qualify: all full-time and part-time associates enrolled in a Lowe's Credence or Coupe medical plan are eligible, from the day the plan is active. The benefit is run by Maven.
What Lowe's says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
IVF is covered
“Members pursuing fertility treatments (like IUI, IVF and egg freezing) are required to use a Maven Performance Network provider to qualify for coverage”
Stated limit
2 Maven Cycles
Per household, for life. A household is the associate and their eligible dependents.
“2 Maven Cycles per household lifetime maximum”
Run by Maven
Maven administers the fertility benefit for Lowe's, so it is the one to call about which clinics are in network and what needs approval first.
“Welcome to Lowe's family building benefits, administered by Maven.”
Infertility diagnosis
Lowe's says you do not need an infertility diagnosis to use the benefit.
“A medical diagnosis of infertility is not required to receive fertility treatment (IUI, IVF)”
Egg freezing
Lowe's says egg freezing is covered.
“Members pursuing fertility treatments (like IUI, IVF and egg freezing) are required to use a Maven Performance Network provider to qualify for coverage”
Adoption
Lowe's says full-time associates have access to $5,000 per event for eligible adoption expenses.
“All full-time associates have access to $5,000 per event for eligible adoption related expenses.”
Surrogacy
Lowe's says full-time associates have access to $5,000 per event for eligible surrogacy expenses.
“All full-time associates have access to $5,000 per event for eligible surrogacy related expenses.”
Can part-time Lowe's workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
Part-time workers can qualify: all full-time and part-time associates enrolled in a Lowe's Credence or Coupe medical plan are eligible, from the day the plan is active.
You have to be enrolled in a Lowe's medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“All full-time and part-time associates and spouses/domestic partners enrolled in a Lowe's Credence or Coupe medical plan are eligible for coverage”
“Eligibility begins upon becoming active in a Lowe's Credence or Coupe medical plan”
Six things to ask Lowe's before you count on it
A public benefits page is a summary. The plan document for your own plan and location is what the plan pays by.
- 1.What is the lifetime maximum, and do fertility drugs count toward it or have their own limit?
- 2.When does coverage start after my hire date, and how many hours a week do I need to keep it?
- 3.Do I need an infertility diagnosis, or prior authorization, before treatment is covered?
- 4.Which fertility clinics near me are in network, and what do I pay if mine is not?
- 5.What are the deductible, the coinsurance and the out-of-pocket maximum on the plan the benefit sits in?
- 6.Are egg freezing, donor eggs or sperm, genetic testing of embryos and embryo storage covered?
State insurance laws reach only fully-insured plans, and 67% of covered US workers are in self-funded employer plans, which set their own fertility benefits whatever the state requires. About 50% of employers with 500 or more workers now cover IVF. A large employer's plan is usually self-funded (80% of covered workers at large firms are in one), so what Lowe's chooses to cover matters more than your state's IVF insurance law.
Lowe's and IVF: common questions
Does Lowe's cover IVF?
Yes. Lowe's says it covers IVF for eligible US employees, up to 2 Maven Cycles. Part-time workers can qualify: all full-time and part-time associates enrolled in a Lowe's Credence or Coupe medical plan are eligible, from the day the plan is active. The benefit is run by Maven. Read on Lowe's own benefit pages on Oct 11, 2026.
How much IVF does Lowe's cover?
Lowe's states this limit: 2 Maven Cycles (Per household, for life. A household is the associate and their eligible dependents.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Lowe's cover IVF for part-time employees?
Part-time workers can qualify: all full-time and part-time associates enrolled in a Lowe's Credence or Coupe medical plan are eligible, from the day the plan is active. You have to be enrolled in a Lowe's medical plan to use it. Eligibility rules are the first thing to confirm with Lowe's before you count on the benefit.
Does Lowe's cover egg freezing?
Yes. Lowe's says egg freezing is covered: "Members pursuing fertility treatments (like IUI, IVF and egg freezing) are required to use a Maven Performance Network provider to qualify for coverage"
How do I confirm what Lowe's covers?
Ask Lowe's benefits center or Maven for the plan document (the summary plan description) for your own plan and location, and check the lifetime maximum, whether fertility drugs count toward it, whether a diagnosis or prior authorization is needed, and when coverage starts after you are hired. Benefits change each plan year, usually on January 1.
- Maven Wallet for Lowe's 2026 (benefits administrator's page for this employer, plan year 2026)