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LEARN THE BASICS

Do you know your numbers?

Your height, weight, blood pressure, temperature and heart rate provide your doctor with important information about your health. But they’re just the beginning. There’s a wide range of tests and screenings that offer more detailed information about how your body is functioning today, and about problems that may develop in the future.

Of all the blood tests your doctor may order, one of the most essential is a basic metabolic panel (BMP). Here’s a closer look at this common test and what it can tell you about your health.

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What is a basic metabolic panel?

A basic metabolic panel — or BMP – is a simple blood test that checks the levels of different substances in your blood. It gives your doctor important information about how some of your body’s systems are working, and it’s used to check for certain medical conditions, such as diabetes, kidney disease or high blood pressure. It also can be used to make sure any medication you’re taking is working well.

How often your doctor orders a BMP depends on your health and your doctor’s concerns about how your body is functioning. 

What is a BMP used for?

A BMP is used to check different body functions and processes, including:

  • Kidney function
  • Fluid and electrolyte balance
  • Blood sugar levels
  • Metabolism

What is tested in a BMP?

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Calcium

Calcium keeps bones strong and ensures your blood clots properly. 

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Carbon dioxide

Your carbon dioxide levels show how well your lungs and kidneys are working.

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Chloride

Chloride shows how your body is managing fluids. 

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Creatinine

Levels of creatinine can tell your doctor how well your kidneys are functioning. 

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Glucose

Glucose in your blood is also known as your blood sugar. It’s the main source of energy for your body. Too little or too much is a serious problem. 

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Potassium

Potassium helps your muscles work and controls your breathing. Extra potassium is removed from your blood by your kidneys. When you have kidney disease, they can’t remove it, so you’ll have too much in your blood.

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Sodium

Sodium is a mineral that’s important for ensuring your blood, cells and tissue have enough water to function properly. 

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Blood urea nitrogen

This is another kidney function byproduct that tells your doctor if your kidneys are working well. ‌

What can you learn from your results?

Your doctor can help you understand your basic metabolic panel results. If any of the results are not normal, it may mean you have an underlying medical condition. Your doctor will likely order more tests to confirm any diagnosis. 

Your BMP results may say that the levels of substances in your blood are either normal (negative) or abnormal (positive). Results can also be inconclusive, which may mean you’ll need more tests.

Next steps

With the information provided by your test results, your doctor can make recommendations to help manage your current or potential health challenges. These could include changing your diet, increasing the amount of water you drink, or getting more sleep or exercise. Your doctor could also prescribe a medication or refer you to a specialist.

Sources: WebMD. What is a basic metabolic panel?
NIH National Library of Medicine Medline Plus. Basic metabolic panel (BMP).

For more information on how you can use your Costco benefits to support your physical well-being, see the resources below.

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6 ways to save on health care

When you stop smoking, drop those last stubborn pounds or get your yearly exam, it feels good. You’ve done something important for your physical well-being. But did you ever think those healthy changes might also be doing something for your financial well-being?

Taking care of your body can have a positive effect on your wallet. Here are just six ways you can save while taking better care of your health.

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1. Quit smoking.

The national average cost of a pack of cigarettes in the U.S. is $8.99, which (including federal and average state excise taxes) is around $273 per month or $3,281 annually for someone who smokes one pack per day.1

2. Enroll in a DCAP or HCRA.

With a Dependent Care Assistance Plan (DCAP), you can set aside pretax dollars to reimburse yourself for qualified child and elder care expenses. A Health Care Reimbursement Account (HCRA) lets you do the same with eligible health care expenses, such as copays and premiums. Save money on your taxes by enrolling in a DCAP and/or HCRA administered by PayFlex®* during Annual Enrollment.

3. Choose in-network doctors.

When you choose an in-network doctor, you’re choosing someone whose rates are in line with your Costco medical plan.

Want to save even more? 98point6®* offers on-demand, text-based access to board-certified doctors who can diagnose and treat a variety of conditions. You and your family members age 1+ have access to 98point6 on-demand care as part of your Costco benefits package for up to $5 per visit. 

4. Know before you go.

Only go to the emergency room when it’s medically necessary. This includes when:

  • Your condition appears to be life threatening
  • Your condition could worsen and become life threatening on the way to the hospital
  • Moving could cause you further harm or injury

If you’re not having an emergency, but need medical care right away, use 98point6 or go to your nearest in-network urgent care. Either of these options can provide the appropriate level of care and are far less expensive.

5. Use Costco Health Solutions* for your pharmacy needs.

If you’re enrolled in a Costco medical plan, you and your enrolled family members automatically receive prescription drug coverage, administered by Costco Health Solutions (CHS). Fill your prescriptions at any Costco pharmacy or through Costco Home Delivery Pharmacy and save.

6. Get a second opinion.

Whether you’re facing a cancer diagnosis, considering surgery or dealing with another serious medical condition, getting a second opinion from a board-certified specialist is often the smartest thing you can do. If you and your family are covered by a Costco medical plan, you can get an expert second opinion at no cost through 2nd.MD.*

*Not available in Puerto Rico.
1Numbeo. Price Rankings by Country of Cigarettes 20 Pack (Marlboro) (Markets)

Want to do even more to improve your physical well-being and save money? Your Costco benefits can help.

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Video: Understanding prediabetes and diabetes

Diabetes is a chronic (long-lasting) disease that affects the way your body turns food into energy. There are three main types of diabetes: type 1, type 2 and gestational diabetes (diabetes that occurs when you’re pregnant). Around 90% to 95% of those who have been diagnosed with diabetes have type 2 diabetes.

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Do you have diabetes or prediabetes?

Diabetes is the seventh leading cause of death in the U.S. But the good news is that it can be managed. The first step is to determine whether you have it or are at risk of developing it. More than 37 million Americans have diabetes, and 1 in 5 Americans don’t know it. 96 million U.S. adults have prediabetes, and 8 in 10 don’t know they have it. Concerned that you might be at risk? Take a moment to watch this informative seven-minute video from Omada.

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Sources: Omada Health. Understanding prediabetes and diabetes — Costco.
Centers for Disease Control and Prevention (CDC). Diabetes fast facts.

For more information on how you can use your Costco benefits to support your physical well-being, check out the resources below.

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Podcast: Recognizing your successes

Did you set SMART goals back in January? Whether you’re striving to spend more time with your family, increase contributions to your retirement account, reach a healthier weight or finally read a new book, take a moment to pat yourself on the back. Your ultimate goal may be months in the future, but, according to this short audio podcast, if you’ve made any progress, it’s important to step back and acknowledge what you’ve already achieved.

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Podcast  — Recognizing your successes

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Source: Resources For Living. Recognizing your successes.

To learn more about Costco benefits that can support your emotional, financial and physical well-being goals, see the resources below.

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Learn the basics

LEARN THE BASICS

Podcast: Managing mom guilt

No matter how hard you try to be a great mom, sometimes you feel like your best just isn’t good enough. What you’re experiencing is “mom guilt.” And you’re not the only woman who feels this way.

On this episode of Behaviorally Speaking, Angela Nelson, MS, BCBA, and Kristin Bandi, MA, BCBA, discuss this very common and unpleasant experience. They highlight what mom guilt is, where it comes from and how to manage it. Whether managing unrealistic expectations, asking for help or setting ourselves up for success, there are several ways to work through this uncomfortable feeling. And you can explore them in this informative podcast.

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Podcast — Managing mom guilt

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Learn the basics

LEARN THE BASICS

Stay healthy at every age and stage

The foundation of good health is the same no matter your age! Eat healthy, be active, go to the doctor or nurse for regular checkups, take care of your mental health, and don’t take unnecessary risks, like texting while driving. Whether you’re in your 20s, 30s, 40s or beyond, we’ve got you covered.

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Here’s what you should do every day to thrive no matter what age you are:

  • Eat healthy — use the MyPlate Plan to get started.
  • Get help to quit smoking or using tobacco products (or don’t start).
  • Limit alcohol use to 1 drink or less per day, 6 or less per week.
  • Understand the signs of substance misuse.
  • Wear a helmet when riding a bike and wear protective gear for sports.
  • Wear a seat belt in cars and don’t text while driving.
  • Protect yourself from the sun by applying sun protection factor (SPF) sunscreen of 30 or more before you head outdoors.
  • Get at least 30 min of physical activity a day for your physical well-being. Activities can include walking the dog, hiking with your family, gardening or even cleaning your house.
  • Get between 7-9 hours of sleep each night so you’re not tired in the morning.

Learn what steps to take for good health at your age

Choose your age group:

Late teens, 20s & 30s | 40s & 50s | 60s, 70s & beyond


Stay healthy in your late teens, 20s & 30s

Here are some topics to help guide your discussion at your annual exam with your doctor.

  • My family health history, especially of cancer, heart disease and diabetes
  • My weight, diet and physical activity level
  • Whether I use tobacco, alcohol or drugs
  • Any violence in my life
  • Depression and other mental health concerns
  • Whether I plan to get pregnant in the next year or the right birth control for me

I’ll ask my doctor whether I’m at higher risk for or need tests, medicine or vaccines this year for:

  • Blood pressure
  • Breast cancer
  • Cervical cancer (from age 21)
  • Chickenpox
  • Flu
  • Hepatitis A, B or C
  • HIV
  • HPV
  • Measles, mumps and rubella
  • Meningitis
  • Sexually transmitted infections
  • Tetanus, diphtheria and whooping cough
  • Tuberculosis
  • Urinary incontinence

Stay healthy in your 40s & 50s

Here are some topics to help guide your discussion at your annual exam with your doctor.

  • My family health history, especially of cancer, heart disease and diabetes
  • Perimenopause/menopause symptoms
  • My weight, diet and physical activity level
  • Whether I use tobacco, alcohol or drugs
  • Any violence in my life
  • Depression and other mental health concerns
  • Whether I plan to get pregnant in the next year or the right birth control for me

I’ll ask my doctor whether I’m at higher risk for or need tests, medicine or vaccines this year for:

  • Blood pressure
  • Breast cancer (including mammogram)
  • Cervical cancer
  • Cholesterol
  • Diabetes
  • Flu
  • Hepatitis A, B or C
  • HIV
  • HPV
  • Measles, mumps and rubella
  • Meningitis
  • Sexually transmitted infections
  • Tetanus, diphtheria and whooping cough
  • Tuberculosis
  • Urinary incontinence

I’m in my 50s, so I’ll also ask my doctor about:

  • Low-dose aspirin (for heart attack or stroke risk)
  • Colorectal cancer
  • Lung cancer (if 55 and older and smoking now or have quit within the last 15 years)
  • Osteoporosis
  • Shingles

Stay healthy in your 60s, 70s & beyond

Here are some topics to help guide your discussion at your annual exam with your doctor.

  • My family health history, especially of cancer, heart disease and diabetes
  • My weight, diet and physical activity level
  • Whether I use tobacco, alcohol or drugs
  • Any violence in my life
  • Depression and other mental health concerns
  • Who will make health care decisions for me if I’m unable to

I’ll ask my doctor whether I’m at higher risk for or need tests, medicine or vaccines this year for:

  • Blood pressure
  • Breast cancer (including mammogram)
  • Cervical cancer
  • Cholesterol
  • Colorectal cancer
  • Diabetes
  • Flu
  • Hepatitis A, B or C
  • HIV
  • Lung cancer (if you smoke now or have quit within the last 15 years)
  • Measles, mumps and rubella (if born after 1956)
  • Meningitis
  • Osteoporosis
  • Pneumonia
  • Shingles
  • Sexually transmitted infections
  • Tetanus, diphtheria and whooping cough
  • Tuberculosis
  • Urinary incontinence

I’m in my 70s, so I’ll also ask my doctor about:

  • Low-dose aspirin (for heart attack or stroke risk)
  • Cervical cancer
  • Measles, mumps and rubella (if born after 1956)
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Here’s what Costco employees are saying about 2nd.MD:

The doctor was amazing and made sure I was aware of all my options before I made a decision. She mentioned a couple things my doctor didn’t even discuss with me which totally changed my mind about how I wanted to move forward. I am very grateful that I went through this process because it opened my eyes to things I wasn’t aware of!

2nd.MD offers expert second opinions regarding a health condition or surgery recommendation.

Source: Office on Women’s Health. Healthy living by age.

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Saving for your kids’ college education

A NerdWallet survey found that 1 in 5 parents of children under age 18 haven’t started saving for their children’s college education but want to. If you’re a parent who knows you need to start building your child’s college education fund but haven’t gotten started yet, here’s how to begin.

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Consider opening a tax-advantaged account

529 account

When choosing an account for college savings, look into tax-advantaged options. One such option is a 529 account, which is specifically designed to save for education expenses. A 529 account allows your savings to grow tax-free, and some states even offer a tax deduction on your contributions.

The downside of a 529 account is that if you withdraw funds for anything other than qualified education expenses, you’ll be penalized. There’s also the risk that you won’t need the funds for education at all – though you can change a 529 beneficiary to another family member or even yourself for qualified education expenses if your child decides not to go to college. There are also limited investment options with a 529.

Roth IRA

Another savings option is a Roth IRA, which is traditionally used as a retirement account, with earnings that grow tax-free. Contributions to a Roth IRA are limited to $6,500 a year — $7,500 if age 50 or older — for the 2023 tax year.1 There are also income restrictions and contributions which can’t exceed earned income. So, unless your child earns money, you’ll have to use your own Roth IRA to save for your kids’ college education.

Contributions to a Roth IRA can be withdrawn at any time, but earnings are usually subject to a penalty if you withdraw them before you turn 59 ½ years of age. If you made the first contribution to your Roth IRA at least five years before, you could also withdraw the growth for qualified education expenses. The benefit of using a Roth IRA over a 529 account is flexibility. If your child doesn’t go to college, you can leave the savings in the Roth IRA for your retirement. Also, you have more investment options.

Start saving consistently, no matter how much

The average tuition cost at a public four-year in-state university is $9,377 in 2022-23, according to the Education Data Initiative. (The average tuition at a four-year private, non-profit college is $54,501.) If your child is young, this will likely be much higher when they’re ready for college. Costs will be higher still if they don’t live at home and need to pay for room and board.

While teens are thinking about getting into their “dream school”, they may not be thinking about what the student loan debt will do to their lives in 20 or 30 years. According to Dave Ramsey of Ramsey Solutions, student loan debt has become part of culture and is accepted as a normal part of life. The financial loan crisis, which is also referred to as a “Borrowed Future”, is drawing national attention and negatively affecting people and our economy.

While earning a college education isn’t everyone’s dream, it can be overwhelming to think about how much your child will need to pay for college, but the best thing you can give your money is time to grow. That means putting some money away on a regular basis, even if it feels like a drop in the bucket, and starting as soon as possible.

Let’s say you deposit an initial $200, then save $50 per month from birth through age 18. By the end of that time, you’ve contributed $11,000, but when you include modest investment returns of 5%, you’ll have $18,025 saved. That may not be enough to cover four years of college, but it can make an impact. And that’s assuming your savings rate doesn’t increase.

You can use an investment return calculator to see how college savings can grow over time.

Make a plan for extra money in your budget

Over time, you’ll probably find extra money in your budget that could boost college savings, like a tax refund or merit raise. Child care costs will also likely diminish or go away as your child ages, lowering your fixed expenses. Plan early to use some of these funds to save more for college.

Perhaps you want to put one-quarter of any windfall into college savings, or you decide to reallocate funds that previously went toward child care into their 529 account. The details don’t matter, but you’ll want to make these plans before the money is in hand. Otherwise, extra funds have a way of allocating themselves.

Don’t compromise your retirement for college savings

The NerdWallet survey also found that nearly 3 in 10 parents of children under 18 who have personal student loan debt (29%) prioritize saving for their kids’ education over saving for retirement. While it makes sense that parents want to keep student loan debt from burdening their children, retirement savings need to come first. Student loans are an option if your child needs them, but you can’t take out loans to cover your expenses in retirement.

Look into ways to cut costs before applications start

You don’t need to wait until your child’s junior year of high school to start thinking about how to keep college costs reasonable. Talk to your child early about how much you can afford to contribute to their education and the steps they can take to limit student loan debt. This could mean starting out at a two-year college, choosing an in-state school and applying for scholarships.

1The Motley Fool. Roth IRA contribution limits in 2023 are better than ever.

Sources: NerdWallet. How to start saving for your kids’ college.
Ramseysolutions.com. What No One Told You About Student Loans, Podcast series.

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Coping with infertility

When you’re having a hard time having a baby, it often seems as if the whole world is filled with pregnant women and new moms. Infertility can be enormously stressful — and the stress, depression and anxiety can worsen as time goes on. Regardless of the reason you’re unable to get pregnant, the feelings it brings up are powerful. But there is hope.

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Here are some strategies you can use to cope with infertility and the resources to help you.

1. Identify and acknowledge your feelings and fears.

Your emotional response to infertility is seldom the result of just one stressor. More than likely, you’re experiencing feelings of depression, anxiety, isolation and loss of control. You may also feel shame, guilt, jealousy and low self-esteem.

Take the time to pull apart your web of emotions and think about your feelings and fears. Why are you feeling how you feel? What are they about? Who are they directed toward?

By trying to better understand each emotion or fear, you can gain a deeper understanding of yourself. If you’re having a difficult time identifying your feelings, talk to a close friend or counselor who can help you sort through your range of emotions.

2. Give yourself permission to cry and be angry.

Don’t turn off your emotions because you think they’re unpleasant or hard to justify. Feel the way you feel. Allow yourself the time and space to have a good cry, punch a few pillows or even scream. Don’t shut off your feelings. It’s perfectly fine to cry about one more friend who got pregnant “without really trying.” Just find safe and healthy ways to release your anger or sadness.

3. Don’t blame yourself.

Accepting that conception isn’t going to happen on its own can be very difficult. But blaming yourself, your partner, or others wastes important energy that could be put to better use focusing on the things you can do to achieve your family-building goals.

4. Understand your options.

This is where a fertility specialist is essential. Schedule an appointment with a reproductive endocrinologist for a full fertility evaluation of you and your partner. It’s important that both partners are evaluated since you play an equal role in the conception process.

Once you’ve had an evaluation, your provider will have the necessary information to recommend fertility treatment options that fit your goals. Creating a game plan can make you and your partner feel more optimistic about where you are and where you’re headed.

5. Be open and honest with your partner.

When you’re dealing with infertility, it’s normal to feel angry about your situation. It’s also completely natural for some of this anger to be directed toward your partner. But it’s important to remain a united front throughout this journey.

Learn to share these feelings in a healthy way. Make sure you’re listening carefully, responding thoughtfully and asking questions when you don’t understand. If you’re not able to do this on your own, don’t be afraid to reach out for help and support.

And don’t be surprised if your partner experiences the emotions of infertility differently than you do. Accept that everyone copes in their own way.

6. Practice self-care.

Make sure you take time out from caring for everyone else to spend time on yourself. Go for a walk, read a book, get a massage or take a relaxing bath. And make sure you’re eating well and getting plenty of sleep.

7. Find healthy outlets, hobbies and pastimes.

Take time to participate in other healthy, non-reproductive-related outlets and hobbies.

Get active. Register for a charity walk with friends. Go bowling. Volunteer at a local shelter or soup kitchen. Take an art class or learn to make jewelry or pottery. Art can be great therapy.

Doing something positive can help you channel some of your negative energy into creating happiness for others at a time when you may not be feeling happy about most aspects of your life.

8. Re-establish intimacy with your partner.

Sex on demand based around your ovulation schedule can be challenging. Spontaneity goes out the window, and sex can feel mechanical and focused on conception rather than intimacy and pleasure. Couples need to work a little harder to connect. Intimacy of any kind can re-establish this connection and make you feel like you again. Physical and emotional connections are critical. And because infertility can often be a marathon and not a sprint, it’s important to establish good habits from the beginning.

9. Be realistic, but highly optimistic.

Thinking that you’ll somehow get pregnant naturally despite an ovulation issue or sperm problem may not be realistic without taking active steps to increase your fertility. It’s helpful to discuss with your fertility provider all the things you can be doing to improve your fertility and what are realistic goals and a realistic timeline.

10. Join an infertility support group.

Feeling understood and supported while dealing with infertility can help couples cope, particularly when the support comes from people who have experienced their own fertility struggles. While friends and family are great, if they haven’t experienced what you’re going through, it can be difficult to relate.

Support can mean different things to different people. Some people find one-on-one support to be what they need, while others like the comradery of a bigger support group of others dealing with infertility.

11. Use a fertility coach.

A fertility coach is another support option. Fertility coaches help you on your fertility journey, from beginning to end. They can help you clarify your goals, set realistic expectations, reconnect with yourself and each other, and offer supplemental resources as needed. They also look to educate and inspire you no matter where you are on the road to parenthood.

12. Seek professional support.

If you’re feeling depressed, are having trouble expressing how you feel, or you think you need more guidance than friends or a support group offer, consider getting help from a professional.

Couples should choose the structure that works best for them. This can be counseling as a couple, separately or a combination of the two. Most fertility clinics have professionals they recommend who specialize in helping fertility patients.

Miscarriage and stillbirth

Multiple studies suggest that between 8% and 20% of recognized pregnancies end in miscarriage, and 30% to 40% of all conceptions end in miscarriage (though your chances are largely contingent on your age). However, there’s still a stigma associated with this type of loss. Coping with infertility, miscarriage and neonatal loss can be an isolating experience. Emotions can waiver from surprise, sadness, guilt and anxiety about future pregnancies. And the hormonal shifts don’t help.

Take time to grieve your loss. Some couples choose to do something to honor their child, like planting a tree or getting tattoos. Sharing your experience with other women who have been through the same thing can be reassuring. You’ll be surprised to learn how many women you know have experienced miscarriage. Joining a support group may help, as well.

Source: CNY Fertility. How to deal with infertility: 12 powerful coping strategies.

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Check it out

CHECK IT OUT

Mammogram: What to expect

Approximately 13% of women will be diagnosed with breast cancer during their lifetime.1 But there’s an effective first line of defense you can access at no cost through your medical plan: a mammogram. For women age 40 and older, a yearly mammogram helps detect breast cancer earlier, leading to less aggressive treatment and a higher rate of survival.

If you’ve never had a mammogram and are wondering what’s involved, check out this informative three-minute video. Then make an appointment for your free mammogram screening.

If you’d like to learn more about mammograms, breast cancer and other related topics, check out the Test Those Breasts! podcast series.

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1NIH National Cancer Institute. Cancer stat facts: female breast cancer.

Source: Resources For Living® Healthwise®. Mammogram: What to expect.

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Take the pledge

TAKE THE PLEDGE

Start strong

What plans do you have for the new year? Will you work on taking more time for yourself? Save for a dream vacation? Start a healthy diet you can stick with? If you’re hoping for 12 months of personal growth, here’s a great way to get started: Take the 2023 pledge — and invite your spouse or domestic partner to join you.

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Why is the pledge so important?

When you take the pledge, you agree to get to know your Costco benefits. Learn what they can do for you. And use them to improve your:

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Emotional well-being

Reduce stress, improve relationships and build strength to find solutions for everyday challenges.

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Financial well-being

Learn to make a budget, get out of debt, build your savings and safeguard your future.

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Physical well-being

Eat a healthy diet, exercise regularly, and stay on top of exams, screenings and vaccinations.

If this sounds overwhelming, don’t worry. Taking the pledge is the first step toward making real improvements in your well-being. Each month, you’ll receive an email summarizing the latest content here on your well-being portal, with links to new articles and videos that can help you improve your well-being. You’ll learn about your Costco benefits and hear from Costco employees who are using them to thrive.

Take the pledge and start growing!

To commit to your personal growth and get the most from your Costco benefits, visit your well-being portal and take the pledge.

Want to learn more about your 2023 Costco benefits? Check out the resources below.