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WATCH NOW

The science of gratitude

Gratitude may be the best-kept secret to reduce stress and help you feel better. Its benefits include improved physical health, higher self-esteem, better sleep and stronger social connections. And it doesn’t take a lot of work. Here are a few ways you can get started on a gratitude practice today.

  • Write down one thing you’re thankful for each day
  • Say thank you or write a thank you note
  • Visualize people, pets and things you’re grateful for
  • Take a “gratitude walk” and appreciate the space around you

Check out this 2-minute video to learn more about the science behind gratitude and how you can get more into your life. You can also check out the digital resources available from Resources for Living and AbleTo* to improve your emotional health.

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*Not available in Puerto Rico.

Sources:
Centers for Disease Control and Prevention. Gratitude works.
Tremendousness. What is the science behind gratitude?
Resources for Living. Practicing gratitude — why it helps and how to do it

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Recipes

Healthy recipe

HEALTHY RECIPE

Mini vanilla bean-pomegranate cheesecake tarts

These easy-to-make tarts are ready in 30 minutes and add a beautiful element to your holiday table. The crisp mini phyllo shells hold a luscious vanilla-laced cream cheese filling made lighter by the addition of rich Greek yogurt. The fresh vanilla bean gives these tarts an extra oomph of vanilla flavor (if you’re new to fresh vanilla beans, the end of a butter knife or the tip of a spoon are the effective ways to scrape out as many of the seeds as possible). Pomegranate seeds and fresh mint are pretty toppings, but you can use any fresh fruit you like, such as chopped blood oranges, grapes, kiwi or strawberries.

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Ingredients: 9
Prep Time: 20 min | Total Time: 25 min
Serves: 30
Ingredients:

4 sprays cooking spray

30 mini phyllo shells, thawed if frozen

8 ounces low-fat cream cheese, at room temperature (use 1/3 less fat variety)

¼ cup plain fat-free Greek yogurt

2 tablespoons sugar

1 teaspoon vanilla extract 

1 vanilla bean pod 

½ cup pomegranate seeds  

¼ cup fresh mint leaves 

Directions:
Step 1

Preheat oven to 350 degrees.

Step 2

Place phyllo shells on a baking sheet and bake until lightly toasted, about 5 minutes. Let cool.

Step 3

In a medium bowl, briskly whisk together softened cream cheese, yogurt, sugar and vanilla extract until smooth. Split vanilla bean pod in half and scrape seeds into bowl. Gently combine into cream cheese mixture.

Step 4

Divide cheese mixture evenly among shells. Top each with some pomegranate seeds and a mint leaf. Serve immediately or cover and refrigerate up to 4 hours.

Nutrition

Serving size: 1 cup | Calories: 40 | Total fat: 2 g | Saturated fat: 1 g | Sodium: 35 mg | Total carbohydrates: 4 g | Fiber: 0 g | Protein: 1 g

Source: WeightWatchers 

Enjoy even lower monthly rates from WeightWatchers. Costcoemployees can join for as low as $9 per month, and spouses/domestic partners and dependents can join for as low as $14.50 each per month. Participants must be age 18 or older to join. Sign up at WW.com/Costco or call 866-204-2885.

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Video: 2025 Annual Enrollment

VIDEO: 2025 ANNUAL ENROLLMENT

The Annual Enrollment process has changed
November 1–26, 2024 

This video provides a quick tutorial on how to complete your 2025 Annual Enrollment. We’ve changed the Dependent Verification requirement, so watch this 4-minute video to learn the new process.

You must verify your spouse or domestic partner to continue their coverage. Coverage will automatically continue for your eligible children.

You can also check out these short videos on reimbursement accounts and the 2025 benefits changes.

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Use this Annual Enrollment checklist to stay on track

Take action by November 26, 2024, to confirm elections or make any changes. You can sign up for text reminders on the Enrollment Website located on Costcobenefits.com.

  1. Read the enrollment instructions and the 2025 Benefits Plan Changes booklet that came in your 2025 Annual Enrollment kit. The kit should have arrived by mail in late October. You can also review this information online at Costcobenefits.com.
  2. Complete the Dependent Verification process to continue coverage for your spouse or domestic partner. If you don’t complete this step, coverage for your spouse or domestic partner will end on December 31, 2024.
  3. Review your enrolled children and remove any children that are no longer eligible. Coverage will automatically continue for children still eligible. Find eligibility details on Costcobenefits.com. If you add any family members to the plan, you must submit required documentation by November 30, 2024.  
  4. Enroll or re-enroll in one or both reimbursement accounts*, the Health Care Reimbursement Account (HCRA) or Dependent Care Assistance Plan (DCAP), if you want to participate in 2025. 
  5. Designate a beneficiary for both life and AD&D insurance on the Enrollment Website and for your retirement plan at RPS.TRowePrice.com.

*Not available in Puerto Rico.

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Video: 2025 Benefits changes

VIDEO: 2025 BENEFITS CHANGES

The hot list: Benefits changes for 2025

Want to know what’s coming in 2025? Watch this new video so you can learn about the new and enhanced benefits arriving soon.

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Discover new and updated benefits available January 1, 2025

Aetna ID card update*

To ensure that you and your family members enrolled in the Aetna medical plan have access to a primary care physician (PCP), a PCP will be assigned to you and your enrolled family members on your Aetna® ID card. Their phone number will be provided so you can call to schedule your preventive care or a new patient appointment. If you already have a PCP you’ve seen in the last two years, that provider will be the name on your card  

  • If you see a nurse practitioner or physician’s assistant, their supervising physician will be the name on your card 
  • You are not required to see the assigned PCP and can change the PCP on your card at any time 
  • There are no changes to your medical plan — this is not an HMO, so you don’t need to get a referral from a PCP to see a specialist 
  • Contact your Aetna Health Concierge at 800-814-3543 (TTY: 711) if you have questions or you’d like to change the PCP on your card 

Dental incentive*

  • Earn a $50 credit toward your annual medical deductible or coinsurance when you get at least one annual dental cleaning 
  • Available for you and each dependent enrolled in Aetna Medical and Dental® plans  

Maternity incentive*

  • Earn up to a $400 credit toward your annual medical deductible or coinsurance for you or your spouse or domestic partner when you enroll and engage in the Aetna Maternity Program during and after your pregnancy 
  • The earlier in your pregnancy you enroll, the more you can earn 
  • Visit Aetna.com/Maternity or call 855-282-6344 (TTY: 711) to learn more and enroll

Chiropractic visits*

  • You’ll have coverage for up to 30 chiropractic visits per year  
  • You no longer need to meet your deductible or coinsurance for visits
  • Your plan’s PCP copay applies
  • Available for you and your dependents enrolled in an Aetna Medical plan

No-cost visits to 98point6®** 

  • Text-based visits to board certified doctors for a $0 copay
  • Available to you and your dependents age 1+ enrolled in a Costco medical plan  
  • Get visit-ready by registering at 98point6.com/Costco or on the 98point6 app 

FitMyFoot 

  • All employees and their family members can get custom foot insoles for $80 per pair to help with foot, knee or back pain
    • Download the FitMyFoot app to scan your feet 
    • Then visit FitMyFoot.com/CostcoEmployee to place your order
    • Custom foot insoles are shipped to your home address
  • For employees and dependents enrolled in an Aetna medical plan, up to three pairs of insoles per year are covered. Deductible and coinsurance apply.

Alma  

  • Effective January 1, 2025, you’ll have expanded access to mental health providers and a new way to search for a therapist online through Resources for Living (RFL). Alma, available through the RFL website, allows you to search for providers who are in the network and accepting new patients. Also, with Alma, you:
    • Can schedule a consultation with the provider of your choice
    • Receive automatic authorization for 6 free therapy sessions per issue per year for you, all your household members and dependent children up to age 26
    • Filter your provider search based on personal preferences
    • Can view a provider’s profile before requesting a consultation
    • On average, have your first therapy session within 5 days
    • Have access to providers that offer both virtual and in-person support

Well-being coaching

  • You can also talk with an RFL Well-being coach for free and confidential coaching sessions to help with your personal goals, such as:
    • Developing better eating habits
    • Learning better time management
    • Stepping out of your comfort zone
  • Visit RFL.com/Costco or call 833-721-2320 (TTY:711) to learn more

WeightWatchers

  • Your monthly rates are now even lower! $9 for you and $14.50 for your spouse or domestic partner and dependents 18+ 
  • Visit WW.com/Costco or call 866-204-2885 to learn more 

LifeMart

  • Discounts on gym memberships, virtual fitness and childcare** programs 
  • Click here to access your employee savings 

Sleepio

  • A no-cost, online sleep improvement program
  • Clinically proven to help you clear your mind, get better sleep and have better days in just 6 weeks
  • Available to you and your dependents 18+ enrolled in a Costco medical plan
  • To get started:
    • Visit Sleepio.bighealth.com/Costco and complete the coverage check
    • Click the link in the confirmation email you receive to download the Sleepio app and create your account
    • Complete the baseline sleep quiz and start seeing the benefits of Sleepio

Cylinder** Available now!

  • Expert help and support for gut health and digestive issues, no diagnosis needed
  • Available at no cost for you and your dependents 18+ enrolled in a Costco medical plan 
  • Get started at Go.CylinderHealth.com/Costco (access code: Costco) or call 8882465019

Dependent basic life insurance

  • Your dependents enrolled in a Costco medical plan automatically receive basic life insurance with Unum at no cost to you.
  • Coverage increases from $1,500 to $3,000 for each enrolled dependent

New programs and services are available January 1, 2025. Visit Costcobenefits.com to learn more.

*Available to the Mainland only.
**Not available in Puerto Rico.

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Video: 2025 Reimbursement accounts

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VIDEO: 2025 REIMBURSEMENT ACCOUNTS

Save money on taxes with reimbursement accounts

Available to Mainland and Hawaii only

Wouldn’t it be nice to save money on your annual taxes while paying for things you need, such as medications and childcare? That’s the benefit of reimbursement accounts.

When you enroll in Costco reimbursement accounts during Annual Enrollment, you can put aside pretax dollars to reimburse yourself for eligible expenses throughout the year.

Health Care Reimbursement Account (HCRA) – For eligible health care expenses.

Dependent Care Assistance Plan (DCAP) – For eligible dependent care expenses.

Watch the video below for a quick overview of your reimbursement account options, administered by Inspira Financial.

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Frequently asked questions about reimbursement accounts

How does a reimbursement account work?

When you enroll in an HCRA or DCAP, you choose how much to contribute by thinking about how much you’ll need to cover your expenses. If you have a reimbursement account for 2024, you should also consider the amount you may roll over from 2024 to 2025. The money is automatically taken out of your paycheck and deposited into your reimbursement account before payroll taxes are calculated. You can fund these accounts up to the annual limit set by the IRS.

When do I enroll in an HCRA and DCAP?

HCRA

If you want to enroll or re-enroll in an HCRA for 2025, you must make your elections during Annual Enrollment, November 1 – 26. If you enrolled in a HCRA for 2024, you need to re-enroll for 2025 to participate. You can only enroll in an HCRA during Annual Enrollment.

DCAP

Enroll or re-enroll in a DCAP for 2025 during Annual Enrollment, November 1 – 26. You can enroll, change or stop your DCAP election at any time during the year if there is a qualifying change in your dependent care needs. If you enrolled in a DCAP for 2024, you need to re-enroll for 2025 to participate.

What expenses do reimbursement accounts cover?

HCRA

You can use your HRCA for eligible health care expenses for you, your spouse and eligible dependents. These include items that are not covered by your medical plan, such as your copays, deductibles and coinsurance, as well as other health care items and services, such as prescriptions and dental and vision expenses. 

See a complete list of eligible health care expenses. 

DCAP

Your DCAP can be used for eligible dependent care expenses necessary for you and your spouse to work. Funds can be used to pay for childcare for your dependents age 12 and under, or to care for another family member incapable of self-care such as a spouse, a child age 13+ or a parent. Expense examples include day care, after-school care and in-home care.  

See a complete list of eligible dependent care expenses. 

Note: The DCAP cannot be used for dependent care health care expenses 

How do I pay for items and services with my reimbursement accounts?

HCRA

You have a few different ways to access your HCRA. The default reimbursement method for the HCRA is autopay. This feature automatically pays your portion of medical and dental claims, such as copays, directly from your account. If you plan to use your funds for something specific, such as braces, you can turn off autopay at the start of the year on the Inspira website or app. You’ll also receive the Inspira Card® — the HCRA debit card — to use for eligible expenses at the Costco Optical Department, Costco Hearing Aid Center or any pharmacy. If needed, you can pay upfront for an eligible item or service and submit a claim for reimbursement. 

DCAP

To use your DCAP, you need to pay upfront for your eligible dependent care or service, then submit a receipt and a claim form to get reimbursed from your account. You can submit claims on the website or app.

How much can I contribute to my reimbursement accounts?

HCRA

You can contribute $120-$3,300 per year to your HCRA account. This funding limit is set each year by the IRS. You can access the full amount of your annual HCRA election on January 1, 2025.

DCAP

You can contribute up to $5,000 per year to your DCAP account, or $2,500 if married and filing separately. Access is limited to the current money in your account. You can get reimbursed up to the amount of your year-to-date contributions, not the entire annual amount selected.

What happens if I have funds left over at the end of the year?

HCRA

Only a small portion of your HCRA balance can roll over to the next plan year. If you are enrolled in an HCRA for 2024, your rollover amount to use in 2025 is $640. This amount is determined each year by the IRS. You forfeit any balance over the rollover limit that remains in your account after the claim filing deadline of April 30, 2025.

DCAP

The DCAP offers a grace period, where funds from the previous year can still be accessed. You can use the funds you contributed to the DCAP for 2024 for any eligible services through March 15, 2025. Claims can be submitted until April 30, 2025. Any funds remaining after the deadline will be forfeited.

Visit the Enrollment Website on Costcobenefits.com to make your reimbursement account elections during Annual Enrollment. For more information, see the resources below.

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Take action

TAKE ACTION

How your body reacts when you quit tobacco or nicotine

Kicking the habit isn’t easy. But if you’re able to quit smoking or vaping, you may notice some small improvements right away. Maybe you’re less out of breath during everyday activities or your sense of smell is better. There are also changes going on that you can’t see — from the moment you take your last puff.  

If you’re a current user of tobacco or nicotine, maybe now is the time to decide if you’re ready to start your smoke-free life. You can join thousands of smokers across the country in taking the first step during the Great American Smokeout® on November 21. You can also enroll in the Costco Tobacco & Nicotine Cessation Program to get coaching and support to help you on your journey.

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A timeline of your body’s recovery 

Check out the infographic below to learn how your body recovers from tobacco over time. Many of these changes apply to quitting nicotine too1.

1Hawai‘i Public Health Institute. 12 Things That Happen to Your Body When You Stop Vaping

Sources:
American Cancer Society. Health benefits of quitting smoking over time.
WebMD. What happens to your body when you quit smoking.

Ready to quit? Check out the resource below for help. 

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Recipes

Healthy recipe

HEALTHY RECIPE

One-pot pumpkin mac and cheese

Canned pumpkin plays two key roles in this easy stovetop mac and cheese: It creates a super-creamy texture for the sauce and its orange color makes the dish seem cheesier than it actually is. Make sure to include the dry mustard —  its strong, tangy flavor mixes nicely with the cheddar. This recipe uses old-school elbow macaroni, but you can use any short, tube-shaped pasta you like such as cavatappi or penne. You can also swap in brown rice elbows for a gluten-free option.

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Ingredients: 9
Prep Time: 10 min | Total Time: 30 min
Serves: 6
 
 
Ingredients:

4 sprays cooking spray 

3 cloves garlic, minced

2 cups low sodium vegetable broth

1 cup 1% low fat milk

1 teaspoon Kosher salt

1 teaspoon dry mustard

10 ounces uncooked elbow macaroni

15 ounces canned pumpkin puree

¾ cups reduced fat sharp cheddar cheese, shredded

Directions:
Step 1

Coat a large nonstick skillet with cooking spray. Heat the pan over medium heat. Add the garlic and sauté 1 minute.

Step 2

Stir in the broth, milk, salt, mustard and pasta; bring to a boil. Cover, reduce the heat to medium-low and cook, stirring occasionally until the pasta is tender, 10 to 12 minutes.

Step 3

Uncover the pan. Stir in the pumpkin and ¼ cup water. Cook until the sauce thickens, adding an additional ¼ cup water if needed.

Step 4

Remove the pan from the heat. Add the cheese, stirring until it melts.

Nutrition

Serving size: 1 cup | Calories: 270 | Total fat: 4.5 g | Saturated fat: 2 g | Sodium: 520 mg | Total carbohydrates: 45 g | Fiber: 4 g | Protein: 12 g

Source: WeightWatchers

Enjoy even lower monthly rates from WeightWatchers. Costco employees can join for as low as $9 per month, and spouses/domestic partners and dependents can join for as low as $14.50 each per month. Participants must be age 18 or older to join. Sign up at WW.com/Costco or call 866-204-2885.

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Continuous improvement is better than delayed perfection.

– Mark Twain

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TAKE ACTION

The top 10 reasons to get regular dental and vision exams

Did you know that getting regular dental cleanings can reduce your chances of ending up in the hospital by up to 28%?

That’s a great reason to schedule your annual dental appointment (and eye exam) before the year is over. If you need more motivation, check out the “top ten” list below. While some of the reasons may be familiar to you, others may be surprising — and may motivate you to get these exams on your calendar every year. 

If you haven’t gotten your two yearly dental cleanings or haven’t had your eyes checked this year, there’s still time to schedule your annual visits. Dental exams and cleanings are covered at 100% when you’re enrolled in a Costco dental plan and see an in-network dental provider. Your Costco benefits also offer an allowance toward your annual eye exam and $175 per year toward the cost of prescribed eyewear (this amount can be spread out over the whole calendar year and doesn’t need to be used all at once).

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10 reasons to get your yearly exams

Dental

Prevents tooth decay

At your teeth cleaning, your dental hygienist removes the plaque and tartar deposits that are too hard to get to during regular brushing. Left unchecked, these can cause cavities, tooth loss, gum disease and other issues.

Catches dental concerns early

Annual visits allow your dentist to catch cavities and other concerns early, when they’re easier and less costly to treat. For example, a simple filling today could require a surgical extraction and expensive implant if left untreated.

Improves cancer outcomes

Recent research shows that people diagnosed with throat, nasal cavity, and other head and neck cancers have a 30% higher survival rate 10 years after their diagnosis if they visited their dentist regularly.1 

Lowers risk of early delivery during pregnancy 

Pregnant women who have good oral hygiene and routinely visit their dentist are less likely to experience premature delivery, a baby with low birth weight and preeclampsia.2

Impacts heart health

Poor oral health can increase the risk of heart disease, such as heart attack or stroke. Research suggests that bacteria present in gum disease can travel through the bloodstream to trigger inflammation and infection in the heart.

Vision

Improves eyesight 

A comprehensive eye exam with an optometrist is the best way to determine if you need corrective lenses and check whether your current prescription has changed. These exams can also identify common conditions such as myopia (nearsightedness). 

Detects eye diseases

Many diseases of the eyes don’t have symptoms but can lead to vision loss if untreated. Your eye doctor can identify early warning signs and help treat conditions such as glaucoma and diabetic retinopathy. 

Identifies other health concerns 

Issues spotted in the eye are often the first signs of medical conditions throughout the body. Some of these conditions include high blood pressure, high cholesterol and diabetes.

Makes learning easier for kids

Good vision is helpful to the learning process. An eye exam can detect any concern that may be getting in the way of your child’s school performance. 

Keeps you safer 

Whether you’re driving a car, operating a forklift or using other machinery, you need to see what you’re doing. Being able to see clearly helps keep you and others out of harm’s way.  

Feeling more motivated? Schedule your exams today. And if you use tobacco or nicotine, read on. 

Quitting nicotine is good for your teeth and eyes, too

If you smoke or vape, you are at a higher risk for gum disease and tooth loss. The risk of developing dry eye syndrome and cataracts also goes up. Try the Costco Tobacco & Nicotine Cessation Program for support to help you quit nicotine products for good. To get started, log in to Costcobenefits.com then click this link

Check out the resources below to keep your teeth and eyes healthy. 

1Health. Regular dental visits linked to increased survival rates for head, neck cancer patients.
2NIH National Library of Medicine. Oral care in pregnancy.

Sources:
Penn Medicine. The link between gum disease and heart disease.
American Academy of Ophthalmology. 20 surprising health problems an eye exam can catch.
Oral Health Foundation. Smoking and oral health.
Tompkins Dental. How vaping affects your teeth.
American Academy of Ophthalmology. How do smoking and vaping damage the eyes?