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Beating the costs of braces

A beautiful smile is priceless. But the money you spend to keep smiles beautiful can add up when you or a family member needs braces. The average cost of traditional metal braces is in the $5,000 – $6,000 range.1 Adults and some teens may be able to use clear aligners, plastic trays that snap onto teeth and gently push them into alignment. Since they’re nearly invisible, aligners are less obvious than metal braces but also can be expensive, from $2,000 – $5,000 on average. 

And then there’s the emotional cost, especially for kids and teens. The fear of looking different can be stressful for young people and may lead some of them to resist treatment.   

Your Costco benefits can help. Read on to learn about the resources available to help bring a new smile to your (or your kid’s) face.

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Braces and kids’ mental health

Wearing braces can be tough on kids and teens. They may be bullied or teased about their appearance or avoid social situations because they’re self-conscious about the way they look. Fortunately, the boost in self-esteem and confidence they feel when they see their new smile emerging can often overtake any negative feelings.  

If your child could use someone to talk to, Resource for Living offers emotional well-being support to parents and children. Teens age 13+ can also access Talkspace for video chat or text  therapy. 

Three ways to budget for braces

Check out these benefit programs to help finance orthodontia treatment. 

Use your dental plan benefits

Orthodontia benefits through your Costco dental plan help make braces more affordable. You and each of your enrolled family members can access orthodontic services up to the lifetime maximum benefit of your dental plan. Visit Costcobenefits.com to find your plan’s orthodontia benefit information.

Plan ahead with a reimbursement account

You can use a Health Care Reimbursement Account (HCRA)* from Inspira FinancialTM to set aside pre-tax dollars for orthodontia or other eligible health care expenses. You can enroll in an HCRA during Annual Enrollment, coming in November. Only a small portion of your HCRA balance can roll over to the next plan year, so you’ll want to think about when you plan to use your HCRA funds.

Improve your budgeting skills

SmartDollar, a free financial well-being program for all employees, offers tools, advice and coaching to help you save for what’s important to you. Create your free SmartDollar account here. Then, follow these three steps:

Step 1: Find Your Why 

What’s your reason for getting braces? Are you looking to correct your kid’s overbite? Straighten crooked teeth? Or just feel more confident in your smile? Every goal needs a why—something that’ll keep you motivated. Try to keep your why front and center.  

Step 2: Know Your Numbers 

Making a budget is a lot easier when you know what numbers you’re working with. Look at your most recent bank statements. Note how much you’re bringing in every month and what’s going out. Prioritize these essentials: food, utilities, shelter, transportation. This gives you a clear view of what money is left over to put toward your goal. 

Step 3: Write It Down 

It’s super important to write down your budget. You can use pen and paper or download SmartDollar’s free EveryDollar budgeting app. A plan, on paper and on purpose, is a great tool to set you up for success. 

Need help getting started? Set up a coaching session with a financial expert at SmartDollar today.

Your new smile, or one for your kids, is within reach with the help of your Costco benefits. Use the resources below to help you make it happen.

1Consumer Affairs. Cost of braces in 2024.
2 Forbes Health. How much does Invisalign cost in 2024?
*Not available in Puerto Rico.

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Are you feeling election stress?

Current events can be a source of stress and anxiety for many people. These feelings can impact both your emotional and physical health. One example? Grinding your teeth. This common symptom of stress can cause tension headaches and damage your teeth and jaw.   

Finding healthy ways to cope during these times is extremely important. These ideas from RethinkCare might inspire you. Keep them in mind when interacting with the news or with people you disagree with to help you manage your emotions and support your well-being. 

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4 tips to help you destress

number 1

Develop curiosity and build strength 

Think about how a person’s culture and experience shape their views. What can you learn from them even if you disagree? Relationships can be built on more than just political views. By being curious and open, you can understand other people’s perspectives and build stronger connections despite differences.

number 2

Cultivate empathy 

Build empathy by remembering times when you changed your own beliefs. Acknowledge that your views are a part of you but don’t define you. When you learn to both understand different perspectives and maintain your own, you can respect the diversity of thought and experience in others. 

number 3

Manage difficult conversations 

Difficult conversations are to be expected during election season. To have more productive and respectful discussions, work to develop a deeper understanding of yourself. That way, you can communicate with more ease, trust and confidence. 

number 4

Step back if you feel overwhelmed

Non-stop news and social media can be taxing. If you’re feeling fatigued, take a day or a few days to disconnect. Try setting specific times to engage in news and dedicate the rest to self-care. You can also practice mindfulness or meditation to clear away mental clutter and help you focus on what truly matters.

You can get through election season and beyond. The resources below can help.

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Mood-boosting ideas for World Mental Health Day

Sometimes, it’s hard to smile, especially if you’re feeling sick, tired or blue. But research shows that the physical act of smiling — and the release of feel-good chemicals it generates — can do your body good. It can lift your mood, lower stress, strengthen your immune system and possibly help you live longer.  

In honor of World Mental Health Day on October 10, we invite you to put a smile on your face (even if it’s hard) and take charge of your emotional fitness. For starters, try a technique to help you let go of anxious thoughts, described in the short video below from AbleTo*.  

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Check out the resource below to build up your emotional well-being and feel more happiness, peace and empowerment. 

*Not available in Puerto Rico.

Sources:
NBCnews.com. Smiling can trick your brain into happiness — and boost your health.
AbleTo. Shape up your self-care routine.

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Recipes

Healthy recipe

HEALTHY RECIPE

Quick cauliflower rice

This all-veggie version of fried rice uses convenient, quick-cooking cauliflower rice in place of grains and loads on more plant-based goodness with napa cabbage and snow peas, as well as pre-cut matchstick carrots to save on prep time. You can always add a source of protein such as scrambled eggs or cooked chicken or pork—whatever you have on hand that suits your needs and supports your goals. 

And speaking of goals, now WeightWatchers makes it even more affordable to lose weight and eat healthier. All Costco employees can join for as little as $9 per month (down from $14 per month). Spouses or domestic partners and dependents age 18+ can join for just $14.50 per month (down from $19.50 per month).

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Ingredients: 10
Prep Time: 10 min | Total Time: 15 min
Serves: 4
Ingredients:

4 sprays cooking spray 

2 cups shredded uncooked napa cabbage 

¼ cup uncooked matchstick-cut carrots 

2 teaspoons ginger root, peeled and grated 

3 medium cloves garlic, minced 

2 cups snow peas, halved diagonally 

½ cup uncooked scallions, thinly sliced 

16 ounces uncooked cauliflower rice, fresh or frozen and defrosted 

3 tablespoons low sodium soy sauce 

1 tablespoon rice vinegar 

Directions:
Step 1

Spray a large nonstick skillet with cooking spray. Heat pan over medium-high heat. Add cabbage, carrots, ginger and garlic. Stir fry 2 minutes.

Step 2

Add snow peas, scallions and cauliflower rice. Stir fry until crisp-tender, 3 to 5 minutes.

Step 3

Remove from heat and stir in soy sauce and vinegar.

Nutrition

Serving size: 1 ¼ cups | Calories: 91 | Total fat: 1 g | Saturated fat: 0 g | Sodium: 464 mg | Total carbohydrates: 17 g | Fiber: 6 g | Protein: 6 g

Source: WeightWatchers

Now available at a reduced cost, the WeightWatchers program and app can help you reach your weight loss and wellness goals. Costco employees can join WeightWatchers 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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Teeth are always in style.

– Dr. Seuss

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It’s time for Safety Week,
beginning September 9

Things can happen at a Costco warehouse. Fruit spills on the floor, creating a slipping hazard. A loose load drops off a forklift. Cars back up within inches of an employee collecting carts in the parking lot. Cardboard cuts split open a finger.  

Luckily, many of these hazards can be avoided if you know how to reduce workplace risks. That’s exactly what Safety Week is about. Hosted by the Costco Safety Department, Safety Week is a time to become familiar with safety practices at Costco to prevent injury, illness and the stress that goes along with them. You’ll also receive tips and information from Employee Benefits to safely navigate the world outside of work.

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During Safety Week, you’ll learn how to:

  • Prevent slips, trips, falls and near misses 
  • Prepare for emergencies 
  • Be aware of your surroundings at all times 
  • Reduce stress and improve your emotional wellness 
  • Achieve food and fire safety 
  • Get your free annual flu shot

Join in for safety activities, tips and giveaways from some of our Costco benefits partners. And remember, safety is everyone’s job.

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Why chronic pain causes fatigue and depression

Are you suffering from chronic pain? Do you feel too tired to get things done? Is not being as efficient as you like getting you down? 

Chronic pain can be a stubborn and complex condition to treat, since it can create problems beyond the obvious physical discomfort. Your Costco benefits offer a variety of programs to help you manage chronic pain (and the stress that can come with it) and get back to living your life.

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What is chronic pain?

According to the National Institutes of Health, 25.3 million U.S. adults live with chronic pain (pain that lasts three months or longer).1 This persistent pain can result from an injury, illness, infection or medical condition such as arthritis or migraine headaches. It can range from an annoyance to a source of severe suffering.

Chronic pain and fatigue

When chronic pain persists, the discomfort can make it difficult to get restorative sleep. Pain can trigger feelings of sadness and despair, which can make getting a good night’s sleep even harder. At the same time, a lack of quality sleep can decrease your pain tolerance and intensify your experience of pain.

Chronic pain and depression

Chronic pain can make it difficult to exercise, socialize, work and enjoy even the simplest things in life. Thoughts about the pain and reduced physical activity can lead to feelings of sadness and loss.  

The stress of putting all your efforts into managing your pain while still trying to keep up with life’s demands can be stressful and deepen feelings of depression. It’s a common predicament — between one-third and three-quarters of people with chronic pain experience moderate to severe depression.

4 ways to manage the mental health effects of chronic pain

No matter the location, source or intensity of the pain, if left untreated, it’s likely to affect your ability to live a healthy, happy life. Here are some approaches you can take to reduce the fatigue and depression from chronic pain.

number 1

Get counseling.

Therapy can help you identify and change the negative thoughts and feelings that can make pain worse. Start with a program tailored to your specific needs through AbleTo*.  These no-cost eight-week programs provide one-on-one therapy, coaching and digital exercises to help you deal with the anger, frustration, depression and anxiety that can come with chronic pain. 

number 2

Participate in physical therapy.

A physical therapist will work with you to identify areas of weakness or stiffness that may be adding to the pain and treat those areas with targeted exercises. Take advantage of free virtual physical therapy through Omada for Joint & Muscle Health and work one-on-one with a licensed physical therapist in the comfort of your home to get the help you need. 

number 3

Try meditation.

Studies show that meditation can lessen pain and stress by retraining the brain to better deal with pain. Keep it simple to start out — just allow yourself to focus on the present moment, letting go of any judgement. For help, turn to Resources for Living and their library of videos and podcasts that can get you started with a meditation practice.

number 4

Cut back on unhealthy substances.

Alcohol can make sleep problems worse and increase depressive symptoms. Smoking restricts blood flow, which prevents healing. If you have chronic pain, drink less or no alcohol. Work with the Costco Tobacco Cessation Program to help you quit nicotine products for good.

These strategies can help ease your pain, promote relaxation and improve your outlook. Check out the resources below to get started. 

1National Institutes of Health. NIH analysis shows Americans are in pain.
*Not available in Puerto Rico. 

Sources:
AbleTo. Why chronic pain causes fatigue and depression.
Mayo Clinic Health System. Pathways through persistent pain: tips for managing chronic pain.
Healthline. Meditating for chronic pain management.

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Virtual physical therapy at no cost

Did you know Costco has a free program to treat nearly all muscle and joint issues, such as low back pain and osteoarthritis? Osteoarthritis can be a very painful condition that occurs when cartilage, the flexible tissue at the end of bones, wears down over time. You can get relief from pain, as well as improve physical function and fitness, with virtual physical therapy.

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Physical therapy from the comfort of your home

Virtual physical therapy through Omada for Joint & Muscle Health can be an easy and convenient way to build strength and flexibility when recovering from an injury, living with chronic pain or starting a new exercise routine.  

From your desktop or mobile device, you’ll work one-on-one with a licensed physical therapist who will assess your condition and create a personalized plan to help you reduce your pain and even live pain-free. They’ll guide you through each exercise so you can start moving with more ease. If equipment, such as resistance bands, is needed for your exercises, it will be delivered right to your home. Check out this short video for a program overview. 

Conditions treated include: 

Surgery and 2nd opinions

If you’ve already tried physical therapy and are at the point where your doctor has recommended surgery, you can get an expert second opinion through 2nd.MD. This no-cost program connects you to leading specialists who can gather and review your records and give you guidance via video or phone.  

2nd.MD doctors can address questions about: 

  • An upcoming surgery
  • A chronic condition or chronic pain
  • A new diagnosis
  • Your treatment plan

You can download the 2nd.MD mobile app to make accessing the program even more convenient. Learn how to use the app with this one-minute video

Your Costco benefits provide these programs and more to help you stay safe and healthy and give you peace of mind about your medical treatment. For more information, see below.

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Video: Warning signs of suicide 

Suicide affects people of all ages. It’s the second leading cause of death for children ages 10 – 14 and for adults ages 20 – 34, and among the top 9 leading causes of death for all people up to age 64.1

Suicide Prevention Month, happening this September, is a time to acknowledge the pain and suffering of those struggling with suicidal thoughts and the impact on their families, friends and communities. It’s also a time of hope. Suicide can often be prevented. Knowing the warning signs for suicide, and how to get help, can save lives.

Please take time to watch the video below from Resources for Living. You’ll learn what thoughts, feelings and behavioral changes may signify that someone is thinking about suicide.  

If these warning signs apply to you or anyone you know, get help as soon as possible by calling or texting the Suicide & Crisis Lifeline at 988.

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1Centers for Disease Control and Prevention. Facts about suicide.

Sources:
Resources for Living. Video: Warning signs of suicide.
National Institute of Mental Health. Warning signs of suicide.

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Recipes

Healthy recipe

HEALTHY RECIPE

Crispy chicken nuggets

A back-to-school favorite, these chicken nuggets are extra crunchy due to their corn-flake coating. You can use a food processor to crush the corn flakes, or just bang them on the table in a zip-top bag until crumbly. There are many kinds of paprika to spice these up, from sweet to smoky to mild to spicy. Feel free to use your favorite. Serve the nuggets with your favorite dipping sauce.

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Ingredients: 8
Prep Time: 20 min | Total Time: 35-37 min
Serves: 4
Ingredients:

Olive oil non-stick cooking spray 

2 ⅔ cups corn flakes 

¼ cup all-purpose flour 

¾ teaspoon table salt 

½ teaspoon garlic powder 

½ teaspoon paprika 

1 large egg 

1 pound uncooked boneless, skinless chicken breasts, cut into 24 chunks 

Directions:
Step 1

Preheat oven to 375 degrees. Spray a baking sheet with olive oil cooking spray.

Step 2

Process the corn flakes into crumbs in a food processor or blender. Scrape into a shallow bowl or pie plate.

Step 3

Combine the flour, salt, garlic powder and paprika in another shallow bowl. Beat the egg in a separate shallow bowl.

Step 4

Working one at a time, coat the chicken chunks with the flour mixture. Then dip each chunk into the egg to coat. Transfer to the corn flake crumbs, pressing the chicken to coat on all sides. Place on baking sheet.

Step 5

Repeat with the remaining chicken. When done, spray chicken chunks with cooking spray.

Step 6

Bake for 15-17 minutes, until golden and cooked through. Let cool slightly before serving.

Nutrition

Serving size: 6 nuggets | Calories: 252 | Total fat: 4 g | Saturated fat: 1 g | Sodium: 640 mg | Total carbohydrates: 23 g | Fiber: 1 g | Protein: 29 g

Source: WeightWatchers

With the WeightWatchers program and app, you can lose weight and eat healthier. Costco employees can join WeightWatchers for as low as $14 per month, and spouses/domestic partners and dependents can join for as low as $19.50 each per month. Participants must be age 18 or older to join. Sign up at WW.com/Costco or call 866-204-2885.