Benefits & resources

Find all the benefits and resources you need to support the health and well-being of you and your family.

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Aetna® Medical

In-network medical benefits on the Aetna Select℠ plan

Aetna contracts with a large network of health care providers so that you can find in-network doctors and hospitals in your area. Start by visiting Costcobenefits.com and clicking “Find a Doctor” under Health & Wellness. You can search by name, provider type, condition or procedure. Look for the “Quality & Effective Care” label at the top of a doctor’s profile. It means the provider has met the high standards set by Aetna Smart Compare®.

  • Aetna Health Concierge is available for any questions Monday through Friday, 8 a.m. to 6 p.m. local time.
  •  The Aetna Health℠ app makes it easy to find in-network walk-in clinics, urgent care centers or emergency rooms when you need them, helping you avoid costly out-of-network rates. You can access your virtual ID card and find in-network dental providers, too.

Aetna Dental®

Dental benefits, including two free cleanings per year

Aetna Dental offers nationwide access to dental care. Your dental plan covers general dental care, specialist care and orthodontic care from in-network dental providers. To get the most from your plan, make sure to schedule your free routine dental cleanings and exams. And remember, with the Aetna Network Dental plan, you must use in-network dental providers, except for orthodontists and certain emergency care situations. Find in-network dental providers by contacting the Aetna Dental team or downloading the Aetna Health app. As long as you use an in-network dental provider, your dental plan covers these preventive services at 100% with no deductible:

  • Two routine exams and cleanings per year
  • Routine X-rays

Dental incentive

  • You and each of your enrolled family members can earn a $50 credit toward your medical deductible or coinsurance when you get an in-network dental cleaning each year
  • Available for you and each dependent enrolled in Aetna Medical and Dental® plans

Aetna Health Concierge

Call your Aetna Health Concierge
An Aetna Health Concierge can help you understand your medical and dental benefits. They can:
  • Answer claims questions
  • Help you understand your medical and dental benefits
  • Change the primary care physician (PCP) on your Aetna ID card
  • Find the care you need with in-network providers
  • Schedule your appointments

Live Healthy Team

Find one-on-one health support
The Aetna Live Healthy Team is a dedicated health resource for Costco employees and their enrolled family members. The team is your direct connection to a variety of health professionals, including:
  • Registered nurses to offer education, coordinate care and advocate for you on claims
  • Pharmacists to review, manage and provide education on your medications
  • Registered dietitians to offer guidance on nutrition and weight management
  • Behavioral health clinicians to navigate mental health resources, life events and stress
  • Social workers to find local resources for rent, food, transportation, caregiving and disability claims
The Live Healthy Team can provide support and services tailored to your needs and goals. You’ll work one-on-one with a Live Healthy Coach. Your coach will advocate on your behalf and connect you to the right care and benefits, including other Costco programs that may be available to you. To get started, call to connect with a Live Healthy Coach.

24-Hour Nurse Line

Talk with a registered nurse, day or night, 24/7
The 24-Hour Nurse Line is available 24/7 for your health-related questions. A registered nurse can help you decide where to go for care based on your needs or those of a family member. They can also help you find in-network urgent care, prepare for a doctor’s visit or answer general health questions.

EyeMed Vision

Vision and hearing aid benefits

EyeMed administers your vision and hearing aid benefits. The plan will pay up to $80 for your annual refractive eye exam and $175 toward the purchase of prescribed eyewear every year. You also get $1,750 toward the purchase of prescribed hearing aids every 4 years.

Costco Health Solutions (Changing to Navitus in 2026)

Pharmacy benefits

Costco Health Solutions (CHS) provides the prescription benefits for your Costco medical plan. You can fill your prescriptions at any Costco Pharmacy or through Costco Home Delivery Pharmacy. When there’s no Costco Pharmacy available, you can go to any pharmacy that accepts your CHS card. For emergencies, you’ll be able to fill your prescription anywhere; however, you may have to pay the full cost and submit a request for reimbursement.

CHS Cares Medication Adherence Program

You can schedule an appointment with a CHS pharmacist who can:

  • Offer in-depth medication education and consultation
  • Discuss barriers to taking medication such as side effects or forgetfulness
  • Help you find ways to manage or simplify medications

Aetna Maternity Program

Maternity support and infertility benefits
The Aetna Maternity Program is available whether you’re planning a family, already pregnant or working through infertility. It offers expert guidance and support, including a fertility advocate. The program also includes access to a tobacco cessation program just for pregnant moms.
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
Costco medical plans do not cover charges related to a dependent child’s pregnancy, including labor and delivery, except services that qualify as preventive services under the Affordable Care Act.

2nd.MD

Get an expert second opinion

2nd.MD offers convenient, virtual access to guidance and support from board-certified specialists. Whether you have questions about a chronic condition or pain, an upcoming surgery or a new diagnosis, they can help you on your health care journey.

98point6®

Access on-demand care through text message

98point6 offers on-demand text access to board-certified doctors 24/7. They can answer health questions, diagnose and treat urgent concerns such as colds or flu, and order prescriptions or lab work, all through the convenience of an app. Got a sick kid at home? Need quick non-emergency care? No appointments, waiting rooms or travel needed. Get help with:

  • Itchy or sore throat
  • Rashes
  • Seasonal allergies
  • Muscle sprains and strains
  • Stomach flu/gastroenteritis
  • Urinary tract infections (UTIs) and more
  • Primary care

Cylinder

Get help for gut and digestive health issues
Cylinder is a no-cost digestive health program that can help with:
  • Bloating
  • Gas
  • Constipation
  • Heartburn
  • Celiac disease
  • Food sensitivities
  • IBS and more
You get a free at-home gut microbiome test to measure the good and bad bacteria in your gut. Then work with a team of experts who will help you identify triggers causing your gut issues and relieve your symptoms.

Omada for Diabetes, Hypertension, Prevention & Weight Health

Care between visits for diabetes and high blood pressure
Omada for Diabetes, Hypertension & Prevention + Weight Health offers one-on-one personal coaching, support from a specialist and the tools needed to make long-lasting change. Get free smart tools to monitor and track your progress. These programs are available at no cost to eligible employees and dependents who qualify.
  • Diabetes — Learn new ways to eat well, move more and manage stress to keep glucose levels in check. Includes a connected glucose meter and strips.
  • Hypertension — Take control of your blood pressure with guidance from your health coach and clinical specialist, as needed. Includes a blood pressure monitor and/or smart scale.
  • Prevention & Weight Health — Lower your health risks through small but powerful changes, including weight loss. Includes a wireless smart scale.

Omada for Joint & Muscle Health

Virtual physical therapy for joint and muscle pain

Omada for Joint & Muscle Health offers virtual one-on-one physical therapy with a licensed physical therapist to help you bounce back from an injury, build strength and flexibility, prepare for a new exercise program or stay pain-free during everyday activities. Pelvic health therapy includes pelvic exercises plus care before and after pregnancy. Note: Virtual physical therapy is not available to residents of Illinois.

FitMyFoot

Custom foot insoles for foot, knee or back pain

FitMyFoot offers custom foot insoles to all Costco employees and family members at a cost of $75 per pair. If you are suffering from foot, knee or back pain, custom foot insoles may help. No prescription is needed. Download the FitMyFoot app and scan your feet. Then visit the website to place your order. Your custom insoles will be shipped to your home address. Get up to 3 pairs of custom insoles per year covered by your Aetna medical plan. Deductible and coinsurance apply.

Sleepio + GEM Sleep (New for 2026)

Digital sleep improvement program + sleep apnea support

Sleepio is a no-cost sleep improvement program clinically proven to help you clear your mind, get better sleep and have better days in just 6 weeks. Also available through Sleepio in 2026, GEM Sleep makes it easy to get a sleep apnea diagnosis and treatment from home. Your medical plan benefits apply, which may include copays, deductible and coinsurance.

Gennev

Virtual care for menopause
Gennev offers virtual one-on-one menopause care from board-certified Ob/Gyns and registered dietitians for 30-minute appointments. Get access to FDA-approved treatments like hormone replacement therapy (HRT), as well as support for nutrition, weight, sleep, mood and mindfulness.

Costco Tobacco & Nicotine Cessation Program

Quit tobacco and nicotine for good

The Costco Tobacco & Nicotine Cessation Program allows you to work one-on-one with a Costco pharmacist who will design a plan to help you quit tobacco and nicotine products. This may include access to over-the-counter nicotine replacement therapy at no cost. To learn more and enroll, go to Costcobenefits.com and click “Quit Tobacco” under Health & Wellness. Or call the Costco Pharmacy Medication Therapy Management Team. All appointments times listed are Pacific Time.

Assist America

Get travel assistance
Assist America connects you with professionals for help with travel emergencies 24/7 when you’re 100 miles or more from home, anywhere in the world. Visit Costcobenefits.com for more information.
Get help with:
  • Emergency medical evacuation and prescription assistance
  • Referrals to Western-trained, English-speaking medical providers
  • Legal and interpreter referrals, passport replacement and more
Download the Assist America app and enroll before you leave home so you have quick access to help if you need it. Use reference number 01-AA-UN-762490 to enroll on the app.
Note: Be sure to call Assist America first for services. You won’t be reimbursed for those you arrange on your own.

WeightWatchers (WW)

Lose weight — and keep it off
WeightWatchers is available to all Costco employees for as low as $9 per month, and spouses/domestic partners and dependents can join for as low as $14.50 per month.

SGIA Medicare Consulting

Get help with Medicare questions — for your whole family
SGIA Medicare Consulting offers one-on-one help to find and enroll in the right Medicare plans. All Costco employees and their families, including their parents, can use this program.
Services include:
  • Information on Medicare, Medicare Advantage and Medicare Supplement plans with enrollment assistance
  • Continued customer service and support

Resources for Living

Get support for stress, anxiety, depression and more

Resources for Living (RFL), your Employee Assistance Program (EAP), provides emotional well-being support plus access to financial and legal resources. This free and confidential program is available to all Costco employees, members of your household and dependent children up to age 26.

RFL offers:

  • In-the-moment mental health or crisis support, 24/7
  • (New for 2026) 8 free counseling sessions per person, per year with in-person, virtual or chat options
  • Access to the Alma mental health counseling platform to help you find the therapist that’s right for you: Search by specialty, gender, language and more, then schedule unlimited free 15-minute consultations until you find the right fit, then get automatic authorization to start your 6 free sessions
  • Well-being coaching to help you meet almost any personal goal

RFL provides support for:

  •  Anxiety and depression
  •  Stress management
  •  Family or relationship issues
  •  Grief and loss
  •  Appointment scheduling and care navigation
  •  Self-esteem and personal development
  •  Substance use concerns

RFL also offers financial, legal and identity theft resources. See Resources for Living: Financial, Legal & Identity theft in financial well-being for more information.

Talkspace

On-demand video chat or text therapy, 24/7
Talkspace offers 24/7 access to confidential, on-demand text therapy or video chat with a licensed therapist, for teens and adults. As of 2026, 8 free counseling sessions are available to all Costco employees, all your household members and dependent children up to age 26 who live away from home. One week of text therapy counts as 1 session.

Mind Companion Self-care

Self-paced online support
Mind Companion Self-care is a digital self-guided emotional support program offering tools to help you manage:
  • Depression
  • Anxiety
  • Stress
  • Work/life balance
  • Substance use concerns and more
Select your focus area and you’ll be guided through sessions that include videos, interactive questions and relaxation exercises, all at your own pace. Track your mood and see your progress over time.

Resources for Living: Worklife

Get help finding childcare, elder care and assistance with daily life
Worklife is offered through RFL and provides resources for everyday living. Worklife can help you find resources for:
  • Childcare, parenting and adoption
  • Summer programs for kids
  • Care for older adults
  • Caregiver support
  • Special needs
  • Pet care
  • Home cleaning, repair and improvement
  • Household services and more
This free program is available to all Costco employees, members of your household and dependent children up to age 26.

Supportiv

Anonymous peer-to-peer chat support, 24/7
Supportiv provides 24/7/365 peer-to-peer mental health support via small group chats. All participants are anonymous, and all conversations are facilitated by a trained moderator. Connect with others who understand what you’re going through, such as:
  • Anxiety and depression
  • Self-esteem issues
  • Family and parenting challenges
  • Substance use concerns
  • Relationship conflicts
  • Work stress

AbleTo

Build skills to help with life's challenges

AbleTo helps you and your family members age 13+ enrolled in a Costco medical plan take charge of your emotional and mental health. From one-on-one teletherapy to digital activities, this no-cost virtual program offers support in managing:

  • Depression, anxiety and stress
  • Infertility, caregiver stress or postpartum depression
  • Grief and loss
  • Chronic pain, diabetes, cancer, heart disease and more

Autism Advocate

Get family support for autism
An Aetna Autism Advocate is available to employees and their enrolled family members to help them manage life with an autism diagnosis. Your Autism Advocate can help:
  • Answer questions about your benefits, including applied behavior analysis (ABA) treatment
  • Pair you or your child with the right provider
  • Connect you with resources for caregivers and family support
  • Coordinate with autism care providers and caregivers

Resources for Living + Aetna

Access mental and behavioral health services on your Aetna medical plan for kids, teens and adults
Resources for Living (RFL) can help you navigate the mental and behavioral health services available to you and your family through your Aetna medical plan. An RFL Care Partner can help you find the right program to fit the needs of kids, teens and adults. There are a variety of programs available based on the condition and level of care needed. Your Aetna medical plan benefits apply.
Care options include:
  • Virtual and in-person appointments
  • Therapy and psychiatry with medication management (Age 5+)
  • Inpatient and outpatient care as needed
  • Autism and ADHD
  • Anxiety and depression
  • Obsessive Compulsive Disorder (OCD)
  • Eating disorders
  • Alcohol and substance use concerns
  • Bipolar disorder
  • Suicidal thoughts
  • Other serious mental health conditions

Suicide & Crisis Lifeline

Suicide and crisis support, 24/7

The Suicide & Crisis Lifeline is available to anyone. All conversations are free and confidential. You can call or text for yourself or someone else who may need immediate help.

  • Call or text 988
  • No cost

Inspira Financial

Spend less on taxes with reimbursement accounts

Inspira Financial lets you set aside pretax dollars for eligible health care and dependent care expenses. Elect a Health Care Reimbursement Account (HCRA) and/or Dependent Care Assistance Plan (DCAP) during Annual Enrollment. You can also enroll in the Commuter Benefits Plan (CBP) for commuting expenses, such as vanpools and parking. Download the Inspira Mobile app to manage your account on the go. Inspira Financial was formerly PayFlex. Available to employees enrolled in a Costco benefits plan.

Adoption Assistance

Receive adoption assistance from Costco
Benefits-eligible employees with one year of service have access to an adoption assistance benefit to reimburse them for qualified adoption expenses up to $5,000 per child (maximum of two adoptions) to help offset your adoption expenses. You can request reimbursement for certain out-of-pocket expenses:
  • Adoption fees
  • Court costs
  • Attorney fees
  • Immigration and translation fees
  • Transportation and lodging expenses for both adoptive parents, to bring the child home (including airline expenses to pick up the child)
  • Temporary childcare expenses prior to placement in your home for the purpose of adoption
  • Other expenses directly related to adoption
Visit Costcobenefits.com > What If I > Need Family Care > Adoption Assistance to apply for reimbursement within 180 days of adoption or to find full policy details.

Resources for Living: Financial, Legal & Identity Theft

Access to financial, legal and identity theft resources
Resources for Living (RFL) provides access to financial, legal and identity theft resources. This free and confidential program is available to all Costco employees, members of your household and dependent children up to age 26.
Financial:
  • Free 30-minute consultations on each of 8 financial topics: budgeting, retirement or financial planning, mortgages and refinancing, credit and debt issues, college funding, tax and IRS questions and preparation
Legal:
  • Free 30-minute consultations with an attorney on legal topics: divorce, family issues, civil/criminal law, elder law and estate planning, landlord and real estate transactions, immigration and Social Security, motor vehicle accidents and more
  • Tools for creating wills, living trusts, power of attorney, business agreements and more
  • Help finding a local attorney if needed beyond the initial consultation
Identity theft:
  • Free consultations with a certified fraud resolution specialist for each new issue
Contact an RFL Care Partner to initiate your consultation request.

SmartDollar®

Reach your financial goals faster with budget tools and free financial coaching
SmartDollar® gives you a practical way to change how you handle money. Learn how to make a budget, pay off debt and catch up on bills. You can also learn to save more money, build an emergency fund, safeguard your family’s finances and make the best use of your Costco Retirement Plan.
One-on-one financial coaching is also available at no cost.
Text COSTCO to 33789* to download the app
*Message and data rates may apply.

T. Rowe Price – Costco 401(k) Retirement Plan

Plan and save for retirement
T. Rowe Price manages the Costco 401(k) Retirement Plan, helping you save for retirement with your pretax and Roth contributions. This plan also includes matching and annual contributions from Costco. We contribute to your retirement plan even if you don’t. Most employees age 18 and older are eligible after 90 days of service. Learn more at Costcobenefits.com. To manage your account online, click “T. Rowe Price” under Helpful Links on the Financial Well-being page.

UBS – Employee Stock Purchase Plan (ESPP)

Buy Costco company stock

UBS administers the Costco Employee Stock Purchase Plan (ESPP). You can purchase the company’s common stock through regular payroll deductions.

Unum – Basic Life & AD&D

Basic life and AD&D insurance
Unum administers your basic life and accidental death & dismemberment (AD&D) insurance. Life insurance is an important part of planning for your family’s financial stability in the event you aren’t here to help care for them. Basic life insurance is provided at no cost to all eligible employees enrolled in a Costco benefits plan, and to their family members enrolled in a Costco medical plan.

Unum – Supplemental Life & AD&D

Supplemental life and AD&D insurance
Unum administers your supplemental life and accidental death & dismemberment (AD&D) insurance. If you need more coverage than the basic life and AD&D insurance provided, you have the option to purchase supplemental life and AD&D insurance for yourself and your dependents.

Unum – Voluntary Short-Term Disability, Salary Continuation & Leaves

Help with income replacement when you become disabled or qualify for leave

Unum administers Costco’s voluntary short-term disability insurance plan (not available in all states), Salary Continuation, Costco Personal Medical Leave, the Family Medical Leave Act (FMLA) and Bonding Leave, which can be used while you bond with your child following birth or adoption. These programs help replace lost income if you become disabled due to an illness, non-work related injury or other medical condition such as pregnancy. Enrollment in a Costco benefits plan is not required.
Please note: If you live in a state with a paid family and medical leave program, your primary disability coverage is provided under your state’s program. You are also covered by voluntary short-term disability at a lower payroll deduction. Unum will reduce your STD benefit by any amount you are eligible to receive under the state benefit, even if you choose not to file a claim with your state.

Unum – Long-Term Disability

Long-term disability (LTD) benefits

Unum administers Costco’s long-term disability insurance plan, providing help with income replacement after you’ve been totally disabled due to a non-work-related injury or medical condition for 26 weeks. LTD insurance is provided automatically at no cost to employees enrolled in a Costco medical plan. As long as you don’t decline all Costco benefits, you can elect LTD insurance and pay a portion of the cost for coverage.

LifeMart

Employee discounts on gym memberships, virtual fitness and childcare

LifeMart is your employee discount program with savings available for gym memberships, virtual fitness and childcare.

Triple-S

Medical, dental, vision, hearing and prescription coverage through Triple-S

Triple-S medical coverage includes your dental, vision exam, hearing and prescription benefits. The plan will pay up to $80 for your annual refractive eye exam and $175 toward the purchase of prescribed eyewear every year. Plus, you get $1,750 toward the purchase of prescribed hearing aids every 4 years. You also have virtual access to doctors and nurses:

  • TeleConsulta – 24/7/365 access to nurses for your health questions
  • TeleConsultaMD – See a doctor online in minutes, 7 days a week, 6 a.m. – 10 p.m.

SSS Contigo

One-on-one health support from Triple-S
SSS Contigo, available through your Triple-S medical plan, goes the extra mile to take care of your health. A group of experts is available to you, focused on your well-being, including:
  • Nurses to offer education, coordinate care and advocate for you
  • Health educators to provide virtual workshops and telephone counseling on health topics
  • Nutritionists to provide guidance on nutrition and weight management
  • Behavioral health clinicians to navigate mental health resources, life events and stress
  • Social workers to find resources in your community
Programs include:
  • Condition Management to support weight loss and chronic conditions
  • Contigo Mujer for women’s health
  • Contigo Mamá to support pregnant moms up to 6 months postpartum – contigomama@ssspr.com

TeleConsulta

Talk with a registered nurse, day or night

TeleConsulta is available 24/7/365 to employees and their family members enrolled in the Triple-S medical plan for your health-related questions. A registered nurse can help you decide where to go for care based on your needs or those of a family member. They can also help you prepare for a doctor’s visit or answer general health questions.

TeleConsulta MD

Visit a doctor online in just a few minutes

TeleConsulta MD lets you see a doctor online in minutes.. They can treat you and prescribe medication, order lab work and preventive tests, and review your test results and any photos you submit. Some of the conditions they can treat include:

  • Colds and sinus issues
  • COVID-19 symptoms
  • Urinary tract infections
  • Allergies

Available physicians include:

  • Generalist
  • Internist
  • Family physician
  • Pediatrician
  • Psychologist

Available 7 days a week from 6 a.m. – 10 p.m.

EyeMed Vision

Vision hardware benefits

EyeMed administers your vision hardware benefits. The plan will pay up to $175 toward the purchase of prescribed eyewear every year.

Triple-S Infertility

Infertility benefits
Your Triple-S medical plan also includes infertility benefits. Contact Triple-S or visit Costcobenefits.com for more information. 

Costco medical plans do not cover charges related to a dependent child’s pregnancy, including labor and delivery, except services that qualify as preventive services under the Affordable Care Act.

Contigo Mamá

Educational support for pregnant women

Contigo Mamá is an educational program that supports pregnant moms throughout pregnancy and up to 6 months postpartum. It offers virtual workshops on prenatal care, childbirth and breastfeeding. The program provides you telephone counseling with a clinician.

Costco medical plans do not cover charges related to a dependent child’s pregnancy, including labor and delivery, except services that qualify as preventive services under the Affordable Care Act.

2nd.MD

Get an expert second opinion

2nd.MD offers convenient, virtual access to guidance and support from board-certified specialists. Whether you have questions about a chronic condition or pain, an upcoming surgery or a new diagnosis, they can help you on your health care journey.

Omada for Diabetes, Hypertension, Prevention & Weight Health

Care between visits for diabetes and high blood pressure
Omada for Diabetes, Hypertension & Prevention + Weight Health offers one-on-one personal coaching, support from a specialist and the tools needed to make long-lasting change. Get free smart tools to monitor and track your progress. These programs are available at no cost to eligible employees and dependents who qualify.
  • Diabetes — Learn new ways to eat well, move more and manage stress to keep glucose levels in check. Includes a connected glucose meter and strips.
  • Hypertension — Take control of your blood pressure with guidance from your health coach and clinical specialist, as needed. Includes a blood pressure monitor and/or smart scale.
  • Prevention & Weight Health — Lower your health risks through small but powerful changes, including weight loss. Includes a wireless smart scale.

Omada for Joint & Muscle Health

Virtual physical therapy for joint and muscle pain

Omada for Joint & Muscle Health offers virtual one-on-one physical therapy with a licensed physical therapist to help you bounce back from an injury, build strength and flexibility, prepare for a new exercise program or stay pain-free during everyday activities. Pelvic health therapy includes pelvic exercises plus care before and after pregnancy.

FitMyFoot

Custom foot insoles for foot, knee or back pain

FitMyFoot offers custom foot insoles to all Costco employees and family members at a cost of $75 per pair. If you are suffering from foot, knee or back pain, custom foot insoles may help. No prescription is needed. Download the FitMyFoot app and scan your feet. Then visit the website to place your order. Your custom insoles will be shipped to your home address.

Sleepio + GEM Sleep (New for 2026)

Digital sleep improvement program + sleep apnea support

Sleepio is a no-cost sleep improvement program clinically proven to help you clear your mind, get better sleep and have better days in just 6 weeks. Also available through Sleepio in 2026, GEM Sleep makes it easy to get a sleep apnea diagnosis and treatment from home. Your medical plan benefits apply, which may include copays, deductible and coinsurance.

Costco Tobacco & Nicotine Cessation Program

Quit tobacco and nicotine for good
The Costco Tobacco & Nicotine Cessation Program offers coaching, support and access to nicotine-replacement therapy to help employees quit tobacco products. This may include access to over-the-counter nicotine replacement therapy at no cost.

Assist America

Get travel assistance
Assist America connects you with professionals for help with travel emergencies 24/7 when you’re 100 miles or more from home, anywhere in the world. Visit Costcobenefits.com for more information.
Get help with:
  • Emergency medical evacuation and prescription assistance
  • Referrals to Western-trained, English-speaking medical providers
  • Legal and interpreter referrals, passport replacement and more
Download the Assist America app and enroll before you leave home so you have quick access to help if you need it. Use reference number 01-AA-UN-762490 to enroll on the app.
Note: Be sure to call Assist America first for services. You won’t be reimbursed for those you arrange on your own.

WeightWatchers (WW)

Lose weight — and keep it off
WeightWatchers is available to all Costco employees for as low as $9 per month, and spouses/domestic partners and dependents can join for as low as $14.50 per month.

SGIA Medicare Consulting

Get help with Medicare questions — for your whole family
SGIA Medicare Consulting offers one-on-one help to find and enroll in the right Medicare plans. All Costco employees and their families, including their parents, can use this program.
Services include:
  • Information on Medicare, Medicare Advantage and Medicare Supplement plans with enrollment assistance
  • Continued customer service and support

Resources for Living

Get support for stress, anxiety, depression and more

Resources for Living (RFL), your Employee Assistance Program (EAP), provides emotional well-being support plus access to financial and legal resources. This free and confidential program is available to all Costco employees, members of your household and dependent children up to age 26.

RFL offers:

  • In-the-moment mental health or crisis support, 24/7
  • (New for 2026) 8 free counseling sessions per person, per year with in-person, virtual or chat options
  • Well-being coaching to help you meet almost any personal goal

RFL provides support for:

  •  Anxiety and depression
  •  Stress management
  •  Family or relationship issues
  •  Grief and loss
  •  Appointment scheduling and care navigation
  •  Self-esteem and personal development
  •  Substance use concerns

RFL also offers financial, legal and identity theft resources. See Resources for Living: Financial, Legal & Identity theft in financial well-being for more information.

Talkspace

On-demand video chat or text therapy, 24/7
Talkspace offers 24/7 access to confidential, on-demand text therapy or video chat with a licensed therapist, for teens and adults. As of 2026, 8 free counseling sessions are available to all Costco employees, all your household members and dependent children up to age 26 who live away from home. One week of text therapy counts as 1 session.

Mind Companion Self-care

Self-paced online support
Mind Companion Self-care is a digital self-guided emotional support program offering tools to help you manage:
  • Depression
  • Anxiety
  • Stress
  • Work/life balance
  • Substance use concerns and more
Select your focus area and you’ll be guided through sessions that include videos, interactive questions and relaxation exercises, all at your own pace. Track your mood and see your progress over time.

Resources for Living: Worklife

Get help finding childcare, elder care and assistance with daily life
Worklife is offered through RFL and provides resources for everyday living. Worklife can help you find resources for:
  • Childcare, parenting and adoption
  • Summer programs for kids
  • Care for older adults
  • Caregiver support
  • Special needs
  • Pet care
  • Home cleaning, repair and improvement
  • Household services and more
This free program is available to all Costco employees, members of your household and dependent children up to age 26.

Supportiv

Anonymous peer-to-peer chat support, 24/7
Supportiv provides 24/7/365 peer-to-peer mental health support via small group chats. All participants are anonymous, and all conversations are facilitated by a trained moderator. Connect with others who understand what you’re going through, such as:
  • Anxiety and depression
  • Self-esteem issues
  • Family and parenting challenges
  • Substance use concerns
  • Relationship conflicts
  • Work stress

Suicide & Crisis Lifeline

Suicide and crisis support, 24/7

The Suicide & Crisis Lifeline is available to anyone. All conversations are free and confidential. You can call or text for yourself or someone else who may need immediate help.

  • Call or text 988
  • No cost

Adoption Assistance

Receive adoption assistance from Costco
Benefits-eligible employees with one year of service have access to an adoption assistance benefit to reimburse them for qualified adoption expenses up to $5,000 per child (maximum of two adoptions) to help offset your adoption expenses. You can request reimbursement for certain out-of-pocket expenses:
  • Adoption fees
  • Court costs
  • Attorney fees
  • Immigration and translation fees
  • Transportation and lodging expenses for both adoptive parents, to bring the child home (including airline expenses to pick up the child)
  • Temporary childcare expenses prior to placement in your home for the purpose of adoption
  • Other expenses directly related to adoption
Visit Costcobenefits.com > What If I > Need Family Care > Adoption Assistance to apply for reimbursement within 180 days of adoption or to find full policy details.

Resources for Living: Financial, Legal & Identity Theft

Access to financial, legal and identity theft resources
Resources for Living (RFL) provides access to financial, legal and identity theft resources. This free and confidential program is available to all Costco employees, members of your household and dependent children up to age 26.
Financial:
  • Free 30-minute consultations on each of 8 financial topics: budgeting, retirement or financial planning, mortgages and refinancing, credit and debt issues, college funding, tax and IRS questions and preparation
Legal:
  • Free 30-minute consultations with an attorney on legal topics: divorce, family issues, civil/criminal law, elder law and estate planning, landlord and real estate transactions, immigration and Social Security, motor vehicle accidents and more
  • Tools for creating wills, living trusts, power of attorney, business agreements and more
  • Help finding a local attorney if needed beyond the initial consultation
Identity theft:
  • Free consultations with a certified fraud resolution specialist for each new issue
Contact an RFL Care Partner to initiate your consultation request.

SmartDollar®

Reach your financial goals faster with budget tools and free financial coaching
SmartDollar® gives you a practical way to change how you handle money. Learn how to make a budget, pay off debt and catch up on bills. You can also learn to save more money, build an emergency fund, safeguard your family’s finances and make the best use of your Costco Retirement Plan.
One-on-one financial coaching is also available at no cost.
Text COSTCO to 33789* to download the app
*Message and data rates may apply.

T. Rowe Price – Costco Puerto Rico Retirement Plan

Plan and save for retirement
T. Rowe Price manages the Costco Retirement Plan, helping you save for retirement with your pretax and Roth contributions. This plan also includes matching and annual contributions from Costco. We contribute to your retirement plan even if you don’t. Most employees age 18 and older are eligible after 90 days of service. Learn more at Costcobenefits.com. To manage your account online, click “T. Rowe Price” under Helpful Links on the Financial Wellbeing page.

UBS – Employee Stock Purchase Plan (ESPP)

Buy Costco company stock

UBS administers the Costco Employee Stock Purchase Plan (ESPP). You can purchase the company’s common stock through regular payroll deductions.

Unum – Basic Life & AD&D

Basic life and AD&D insurance
Unum administers your basic life and accidental death & dismemberment (AD&D) insurance. Life insurance is an important part of planning for your family’s financial stability in the event you aren’t here to help care for them. Basic life insurance is provided at no cost to all eligible employees enrolled in a Costco benefits plan, and to their family members enrolled in a Costco medical plan.

Unum – Supplemental Life & AD&D

Supplemental life and AD&D insurance
Unum administers your supplemental life and accidental death & dismemberment (AD&D) insurance. If you need more coverage than the basic life and AD&D insurance provided, you have the option to purchase supplemental life and AD&D insurance for yourself and your dependents.

Unum – Disability insurance

Protect against loss of income due to disability

Disability insurance helps replace lost income if you become disabled due to an illness, injury or other medical condition such as pregnancy. When you first become disabled, your state disability plan may provide short-term disability benefits. If you are still disabled after your state-provided disability benefits end, Costco’s Long-Term Disability (LTD) Insurance plan, administered by Unum, can replace part of your monthly earnings. They’re provided at no cost to employees enrolled in a Costco medical plan. Others can choose to enroll in LTD benefits and pay a portion of the cost for coverage. Learn more at Costcobenefits.com.

LifeMart

Employee discounts on gym memberships and virtual fitness

LifeMart is your employee discount program with savings available for gym memberships and virtual fitness.

HMSA

Medical, dental and hearing coverage through HMSA

HMSA provides the coverage to help you get the care you need. Start by visiting Costcobenefits.com and clicking “Find a Doctor” under Health & Wellness. You can search by name, provider type, condition or procedure. Your Costco medical coverage through HMSA also provides your dental and hearing benefits. You get $1,750 toward the purchase of prescribed hearing aids every 4 years. Plus, you have virtual access to doctors:

HMSA’s Online Care

Talk with a doctor 24/7, 365 days a year without leaving home
HMSA’s Online Care allows you to see a doctor online for physical and mental health at any time. See an online care provider when you need help with:
Physical health
  • Urgent conditions such as bronchitis or ear and sinus infections
  • Common conditions such as cold or flu
  • Chronic conditions such as diabetes, hypertension or allergies
  • Medication management
  • Nutrition education
  • Health and well-being goals

Mental health

  • Emotional support
  • Stress and anxiety management
You must be in Hawaii to use HMSA’s Online Care.

EyeMed Vision

Vision benefits

EyeMed administers your vision benefits. The plan will pay up to $80 for your annual refractive eye exam and $175 toward the purchase of prescribed eyewear every year.

Costco Health Solutions (Changing to Navitus in 2026)

Pharmacy benefits

Costco Health Solutions (CHS) provides the prescription benefits for your Costco medical plan. You can fill your prescriptions at any Costco Pharmacy or through Costco Home Delivery Pharmacy. When there’s no Costco Pharmacy available, you can go to any pharmacy that accepts your CHS card. For emergencies, you’ll be able to fill your prescription anywhere; however, you may have to pay the full cost and submit a request for reimbursement.

CHS Cares Medication Adherence Program

You can schedule an appointment with a CHS pharmacist who can:

  • Offer in-depth medication education and consultation
  • Discuss barriers to taking medication such as side effects or forgetfulness
  • Help you find ways to manage or simplify medications

HMSA Infertility

Infertility benefits
Your HMSA medical plan also includes infertility benefits. Contact HMSA or visit Costcobenefits.com for more information.
Costco medical plans do not cover charges related to a dependent child’s pregnancy, including labor and delivery, except services that qualify as preventive services under the Affordable Care Act.

2nd.MD

Get an expert second opinion

2nd.MD offers convenient, virtual access to guidance and support from board-certified specialists. Whether you have questions about a chronic condition or pain, an upcoming surgery or a new diagnosis, they can help you on your health care journey.

98point6®

Access on-demand care through text message

98point6 offers on-demand text access to board-certified doctors 24/7. They can answer health questions, diagnose and treat urgent concerns such as colds or flu, and order prescriptions or lab work, all through the convenience of an app. Got a sick kid at home? Need quick non-emergency care? No appointments, waiting rooms or travel needed. Get help with:

  • Itchy or sore throat
  • Rashes
  • Seasonal allergies
  • Muscle sprains and strains
  • Stomach flu/gastroenteritis
  • Urinary tract infections (UTIs) and more
  • Primary care

Cylinder

Get help for gut and digestive health issues
Cylinder is a no-cost digestive health program that can help with:
  • Bloating
  • Gas
  • Constipation
  • Heartburn
  • Celiac disease
  • Food sensitivities
  • IBS and more
You get a free at-home gut microbiome test to measure the good and bad bacteria in your gut. Then work with a team of experts who will help you identify triggers causing your gut issues and relieve your symptoms.

Omada for Diabetes, Hypertension, Prevention & Weight Health

Care between visits for diabetes and high blood pressure
Omada for Diabetes, Hypertension & Prevention + Weight Health offers one-on-one personal coaching, support from a specialist and the tools needed to make long-lasting change. Get free smart tools to monitor and track your progress. These programs are available at no cost to eligible employees and dependents who qualify.
  • Diabetes — Learn new ways to eat well, move more and manage stress to keep glucose levels in check. Includes a connected glucose meter and strips.
  • Hypertension — Take control of your blood pressure with guidance from your health coach and clinical specialist, as needed. Includes a blood pressure monitor and/or smart scale.
  • Prevention & Weight Health — Lower your health risks through small but powerful changes, including weight loss. Includes a wireless smart scale.

Omada for Joint & Muscle Health

Virtual physical therapy for joint and muscle pain

Omada for Joint & Muscle Health offers virtual one-on-one physical therapy with a licensed physical therapist to help you bounce back from an injury, build strength and flexibility, prepare for a new exercise program or stay pain-free during everyday activities. Pelvic health therapy includes pelvic exercises plus care before and after pregnancy.

FitMyFoot

Custom foot insoles for foot, knee or back pain

FitMyFoot offers custom foot insoles to all Costco employees and family members at a cost of $75 per pair. If you are suffering from foot, knee or back pain, custom foot insoles may help. No prescription is needed. Download the FitMyFoot app and scan your feet. Then visit the website to place your order. Your custom insoles will be shipped to your home address.

Sleepio + GEM Sleep (New for 2026)

Digital sleep improvement program + sleep apnea support

Sleepio is a no-cost sleep improvement program clinically proven to help you clear your mind, get better sleep and have better days in just 6 weeks. Also available through Sleepio in 2026, GEM Sleep makes it easy to get a sleep apnea diagnosis and treatment from home. Your medical plan benefits apply, which may include copays, deductible and coinsurance.

Costco Tobacco & Nicotine Cessation Program

Quit tobacco and nicotine for good

The Costco Tobacco & Nicotine Cessation Program allows you to work one-on-one with a Costco pharmacist who will design a plan to help you quit tobacco and nicotine products. This may include access to over-the-counter nicotine replacement therapy at no cost. To learn more and enroll, go to Costcobenefits.com and click “Quit Tobacco” under Health & Wellness. Or call the Costco Pharmacy Medication Therapy Management Team. All appointments times listed are Pacific Time.

Assist America

Get travel assistance
Assist America connects you with professionals for help with travel emergencies 24/7 when you’re 100 miles or more from home, anywhere in the world. Visit Costcobenefits.com for more information.
Get help with:
  • Emergency medical evacuation and prescription assistance
  • Referrals to Western-trained, English-speaking medical providers
  • Legal and interpreter referrals, passport replacement and more
Download the Assist America app and enroll before you leave home so you have quick access to help if you need it. Use reference number 01-AA-UN-762490 to enroll on the app.
Note: Be sure to call Assist America first for services. You won’t be reimbursed for those you arrange on your own.

WeightWatchers (WW)

Lose weight — and keep it off
WeightWatchers is available to all Costco employees for as low as $9 per month, and spouses/domestic partners and dependents can join for as low as $14.50 per month.

SGIA Medicare Consulting

Get help with Medicare questions — for your whole family
SGIA Medicare Consulting offers one-on-one help to find and enroll in the right Medicare plans. All Costco employees and their families, including their parents, can use this program.
Services include:
  • Information on Medicare, Medicare Advantage and Medicare Supplement plans with enrollment assistance
  • Continued customer service and support

Resources for Living

Get support for stress, anxiety, depression and more

Resources for Living (RFL), your Employee Assistance Program (EAP), provides emotional well-being support plus access to financial and legal resources. This free and confidential program is available to all Costco employees, members of your household and dependent children up to age 26.

RFL offers:

  • In-the-moment mental health or crisis support, 24/7
  • (New for 2026) 8 free counseling sessions per person, per year with in-person, virtual or chat options
  • Access to the Alma mental health counseling platform to help you find the therapist that’s right for you: Search by specialty, gender, language and more, then schedule unlimited free 15-minute consultations until you find the right fit, then get automatic authorization to start your 6 free sessions
  • Well-being coaching to help you meet almost any personal goal

RFL provides support for:

  •  Anxiety and depression
  •  Stress management
  •  Family or relationship issues
  •  Grief and loss
  •  Appointment scheduling and care navigation
  •  Self-esteem and personal development
  •  Substance use concerns

RFL also offers financial, legal and identity theft resources. See Resources for Living: Financial, Legal & Identity theft in financial well-being for more information.

Talkspace

On-demand video chat or text therapy, 24/7
Talkspace offers 24/7 access to confidential, on-demand text therapy or video chat with a licensed therapist, for teens and adults. As of 2026, 8 free counseling sessions are available to all Costco employees, all your household members and dependent children up to age 26 who live away from home. One week of text therapy counts as 1 session.

Mind Companion Self-care

Self-paced online support
Mind Companion Self-care is a digital self-guided emotional support program offering tools to help you manage:
  • Depression
  • Anxiety
  • Stress
  • Work/life balance
  • Substance use concerns and more
Select your focus area and you’ll be guided through sessions that include videos, interactive questions and relaxation exercises, all at your own pace. Track your mood and see your progress over time.

Resources for Living: Worklife

Get help finding childcare, elder care and assistance with daily life
Worklife is offered through RFL and provides resources for everyday living. Worklife can help you find resources for:
  • Childcare, parenting and adoption
  • Summer programs for kids
  • Care for older adults
  • Caregiver support
  • Special needs
  • Pet care
  • Home cleaning, repair and improvement
  • Household services and more
This free program is available to all Costco employees, members of your household and dependent children up to age 26.

Supportiv

Anonymous peer-to-peer chat support, 24/7
Supportiv provides 24/7/365 peer-to-peer mental health support via small group chats. All participants are anonymous, and all conversations are facilitated by a trained moderator. Connect with others who understand what you’re going through, such as:
  • Anxiety and depression
  • Self-esteem issues
  • Family and parenting challenges
  • Substance use concerns
  • Relationship conflicts
  • Work stress

AbleTo

Build skills to help with life's challenges

AbleTo helps you and your family members age 13+ enrolled in a Costco medical plan take charge of your emotional and mental health. From one-on-one teletherapy to digital activities, this no-cost virtual program offers support in managing:

  • Depression, anxiety and stress
  • Infertility, caregiver stress or postpartum depression
  • Grief and loss
  • Chronic pain, diabetes, cancer, heart disease and more

Suicide & Crisis Lifeline

Suicide and crisis support, 24/7

The Suicide & Crisis Lifeline is available to anyone. All conversations are free and confidential. You can call or text for yourself or someone else who may need immediate help.

  • Call or text 988
  • No cost

Inspira Financial

Spend less on taxes with reimbursement accounts

Inspira Financial lets you set aside pretax dollars for eligible health care and dependent care expenses. Elect a Health Care Reimbursement Account (HCRA) and/or Dependent Care Assistance Plan (DCAP) during Annual Enrollment. You can also enroll in the Commuter Benefits Plan (CBP) for commuting expenses, such as vanpools and parking. Download the Inspira Mobile app to manage your account on the go. Inspira Financial was formerly PayFlex. Available to employees enrolled in a Costco benefits plan.

Adoption Assistance

Receive adoption assistance from Costco
Benefits-eligible employees with one year of service have access to an adoption assistance benefit to reimburse them for qualified adoption expenses up to $5,000 per child (maximum of two adoptions) to help offset your adoption expenses. You can request reimbursement for certain out-of-pocket expenses:
  • Adoption fees
  • Court costs
  • Attorney fees
  • Immigration and translation fees
  • Transportation and lodging expenses for both adoptive parents, to bring the child home (including airline expenses to pick up the child)
  • Temporary childcare expenses prior to placement in your home for the purpose of adoption
  • Other expenses directly related to adoption
Visit Costcobenefits.com > What If I > Need Family Care > Adoption Assistance to apply for reimbursement within 180 days of adoption or to find full policy details.

Resources for Living: Financial, Legal & Identity Theft

Access to financial, legal and identity theft resources
Resources for Living (RFL) provides access to financial, legal and identity theft resources. This free and confidential program is available to all Costco employees, members of your household and dependent children up to age 26.
Financial:
  • Free 30-minute consultations on each of 8 financial topics: budgeting, retirement or financial planning, mortgages and refinancing, credit and debt issues, college funding, tax and IRS questions and preparation
Legal:
  • Free 30-minute consultations with an attorney on legal topics: divorce, family issues, civil/criminal law, elder law and estate planning, landlord and real estate transactions, immigration and Social Security, motor vehicle accidents and more
  • Tools for creating wills, living trusts, power of attorney, business agreements and more
  • Help finding a local attorney if needed beyond the initial consultation
Identity theft:
  • Free consultations with a certified fraud resolution specialist for each new issue
Contact an RFL Care Partner to initiate your consultation request.

SmartDollar®

Reach your financial goals faster with budget tools and free financial coaching
SmartDollar® gives you a practical way to change how you handle money. Learn how to make a budget, pay off debt and catch up on bills. You can also learn to save more money, build an emergency fund, safeguard your family’s finances and make the best use of your Costco Retirement Plan.
One-on-one financial coaching is also available at no cost.
Text COSTCO to 33789* to download the app
*Message and data rates may apply.

T. Rowe Price – Costco 401(k) Retirement Plan

Plan and save for retirement with the Costco 401(k) Retirement Plan
T. Rowe Price manages the Costco 401(k) Retirement Plan, helping you save for retirement with your pretax and Roth contributions. This plan also includes matching and annual contributions from Costco. We contribute to your retirement plan even if you don’t. Most employees age 18 and older are eligible after 90 days of service. Learn more at Costcobenefits.com. To manage your account online, click “T. Rowe Price” under Helpful Links on the Financial Well-being page.

UBS – Employee Stock Purchase Plan (ESPP)

Buy Costco company stock

UBS administers the Costco Employee Stock Purchase Plan (ESPP). You can purchase the company’s common stock through regular payroll deductions.

Unum – Basic Life & AD&D

Basic life and AD&D insurance
Unum administers your basic life and accidental death & dismemberment (AD&D) insurance. Life insurance is an important part of planning for your family’s financial stability in the event you aren’t here to help care for them. Basic life insurance is provided at no cost to all eligible employees enrolled in a Costco benefits plan, and to their family members enrolled in a Costco medical plan.

Unum – Supplemental Life & AD&D

Supplemental life and AD&D insurance
Unum administers your supplemental life and accidental death & dismemberment (AD&D) insurance. If you need more coverage than the basic life and AD&D insurance provided, you have the option to purchase supplemental life and AD&D insurance for yourself and your dependents.

Unum – Disability insurance

Protect against loss of income due to disability

Disability insurance helps replace lost income if you become disabled due to an illness, injury or other medical condition such as pregnancy. When you first become disabled, your state disability plan may provide short-term disability benefits. If you are still disabled after your state-provided disability benefits end, Costco’s Long-Term Disability (LTD) Insurance plan, administered by Unum, can replace part of your monthly earnings. They’re provided at no cost to employees enrolled in a Costco medical plan. Others can choose to enroll in LTD benefits and pay a portion of the cost for coverage. Learn more at Costcobenefits.com.

LifeMart

Employee discounts on gym memberships, virtual fitness and childcare

LifeMart is your employee discount program with savings available for gym memberships, virtual fitness and childcare.