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3 min read

3 MIN READ

APRIL 2025

Retirement planning: 3 ways Costco helps

Ever wonder what life will be like after you stop working? Often, what retirement will look like depends on how you prepare before you retire. Whether retirement is a year away or 25 years, learn what you need to know now for retirement later.

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Costco 401(k) Retirement Plan: The annual company contribution helps you grow your savings

Costco invests in your future with both matching and annual company contributions to your Costco 401(k) Retirement Plan account. Employees in Puerto Rico have the Costco Puerto Rico Retirement Plan.

Eligibility: Once an employee has completed a year of service, they’ll be entered into the company contribution portion of the plan beginning the first day of the month after their anniversary date.

Annual company contribution: Costco contributes a percentage of eligible earnings paid from the entry date – regular pay, overtime, vacation pay, holiday pay, sick pay, paid time off and extra checks – to your 401(k) account*, even if you don’t make any contributions of your own.

The contribution starts at 4% for an employee’s first few years, and increases as your years of service increase, capping at 9% after 25 years.

Matching company contribution: The company also matches 50% of your own contributions, up to $500 a year.

Best of all – these contributions belong to you with immediate 100% vesting.

To check your account balance, set up automatic payroll deductions, adjust your investment mix and much more, go to RPS.TRowePrice.com. You’ll also find financial tools and resources, including an Education Library, Retirement Income Planner and calculators:

  • Paycheck Impact Calculator
  • Contribution Maximizer
  • College Planning Calculator
  • Roth Comparison Calculator
  • Social Security Calculator and more

2024 Annual company contribution: Costco contributed nearly $616 million to employee retirement accounts in 2025 for the 2024 annual company contribution. If you missed the letter Costco sent noting this year’s contribution amount, see your quarterly statement from T. Rowe Price.

Years of
Service		Company
Contribution		Average Contribution
Per Year
1-3 years4% $1,371
4-9 years5%$2,996
10-14 years6%$4,198
15-19 years7%$4,994
20-24 years8%$5,897
25+ years9%$7,147

*Employees at union warehouses should consult their collective bargaining agreement for more information about Costco’s contributions to their 401(k) plan.

Purchase company stock and become a shareholder in the company

The Employee Stock Purchase Plan (ESPP) with UBS lets you purchase Costco stock through payroll deductions. You choose the amount you’d like to invest each pay period. Fees and commissions for these purchases are fully paid by Costco. To learn more, visit Costcobenefits.com > Financial Wellbeing > Employee Stock Purchase Plan (ESPP).

Get familiar with Medicare — know your health coverage options before and after 65

While Medicare is available beginning at age 65, if you retire before age 65, you’ll need health coverage to fill the gap. You can explore coverage options available at HealthCare.gov, or you can contact the Benefits Department at 800-284-4882 to learn more about your retirement health plan options.

Do you or a family member have questions about Medicare, Medicare Advantage or Supplemental plans? Get answers to your questions. SGIA Medicare Consulting offers one-on-one support to help you find the plan that fits your needs. This service is available at no cost to all Costco employees and their families, including parents.

To connect with a Medicare expert, call 888-821-6486 or learn more at sgiamedicare.com/costco.

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3 min read

3 MIN READ

APRIL 2025

Make a plan to take care of your loved ones

Have you ever worried about what would happen to your family if something unexpected happened to you? A peace-of-mind plan can help you feel secure knowing that your loved ones will be taken care of. It’s like leaving a map for your family to follow, so they know where to go.

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number 1

Start with a list

Write down all your assets, including real estate, financial accounts, personal property, insurance policies and digital assets. You can also include any debts, such as a home or car loan, or credit cards. Here are some examples:

  • House
  • Bank or investment account
  • Retirement account
  • Car
  • Art, jewelry or collectibles
  • Life insurance policies
  • Social media accounts
  • Digital photos

You’ll collect all the details, such as account numbers and passwords, and list them in a separate document, such as a letter of instruction. This helps keep information private as wills can become public documents. It will also keep you from having to update your will if account numbers or passwords change.

number 2

Consider life and AD&D insurance

Life insurance pays a cash benefit to a beneficiary if the insured person dies. Accidental death and dismemberment insurance pays an additional amount for certain covered accidents.

  • Basic life and AD&D insurance is provided to all eligible employees and their enrolled family members at no cost.
  • Supplemental life and AD&D insurance is available for you to purchase if you’d like more than the basic life insurance provided. Learn more about how much and when you can purchase this coverage at Costcobenefits.com > Financial Wellbeing > Life & Disability.
number 3

Choose beneficiaries

A beneficiary is who you choose to get your money and things when you die. It can be a person (or multiple people), the trustee of a trust you’ve set up, a charity or nonprofit organization, a minor (under 18 years of age) or your estate (in the case of a life insurance policy). 

Why it’s important

  • Clarity: When you name beneficiaries, it’s clear who gets what. This helps avoid arguments and hurt feelings among your family.
  • Speed: Naming beneficiaries ensures that claims for benefits such as life insurance get processed and paid timely. Without a beneficiary listed, there can be delays in determining who should receive the benefits.
  • Control: You decide who gets your money and things. If you don’t name a beneficiary, the state decides, and it might not be what you want. 

How to choose  

Think about the people who depend on you:

  • Who needs your financial help? Make sure they’re included.
  • If you have children under 18, who will manage their money? You can name a trustee to handle this.
  • Do you want to set conditions? For example, you might want your children to get money only after they graduate from college.

Please note, in order to name someone other than your spouse as your beneficiary on your retirement account, you’ll need to contact T. Rowe Price for assistance.

number 4

Make a will

A will makes sure your house, cars, money and assets go to the right people.

You may also want to consider a trust. Here are some of the benefits:

  • Set the rules — You decide how or when your beneficiaries receive their inheritance. This can be useful for kids or those who need help managing money.
  • Avoid probate — Your trust distributes your assets. That means no court supervision and a faster, more private process.
  • Estate planning — You can include real estate, bank accounts and investments to be managed the way you decide. 

Other legal documents to think about:

  • Durable powers of attorney — Lets someone make financial, legal and benefit decisions for you if you can’t.
  • Health care directive — Lets someone make health care decisions for you if you can’t.

Through Resources for Living®(RFL), you have access to the Free Legal Resource Center. Use online tools to create free legal forms, such as wills, trusts and powers of attorney. To get started, visit RFL.com/Costco > Life & Relationships > Legal services > Legal forms and documents.

You can also learn more about a variety of legal topics in the Resource Library. Or take advantage of a free 30-minute consultation with a lawyer to answer any questions you may have about wills, trusts or other legal concerns. Call RFL at 833-721-2320 (TTY: 711) to request your free consultation.

number 5

Update your documents

Make sure your life insurance, retirement accounts and other documents have the right beneficiaries. You can update your beneficiaries at any time here:

number 7

Talk to your family

Let your loved ones know about your plan. By taking these steps, you can both have peace of mind that they’ll be taken care of.

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3 min read

3 MIN READ

APRIl 2025

Your financial knowledge toolkit

Dealing with money and finances can be overwhelming. But small changes, wise choices, and a little guidance and support can help you reach your financial goals.

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Here are some tips:

Be mindful with your spending

“I can’t afford a house, so I might as well treat myself to a fun weekend.” That might seem like a good idea in the moment. But here’s the truth: small, intentional spending decisions can add up more quickly than you think, and help you reach big goals.  

Reduced spending can also reduce waste in landfills. Ordering out for dinner means higher meal costs plus plastic bags, boxes and other disposable materials. Meal planning for the week on a free day helps you save money and reduce your carbon footprint.

Write down your financial goals

What are your financial goals? What’s important to you? SmartDollar, your no-cost confidential online personal finance program, is designed to help you reach your goals.

SmartDollar’s step-by-step plan helps you take small steps to pay off debt and save more using the online budgeting tool. It keeps you motivated with video lessons from personal finance experts and gives tips to: 

  • Pay off debt faster
  • Set up an emergency fund
  • Save for college 
  • Buy a car
  • Save for a down payment on a house

Free one-on-one financial coaching is also included. To sign up and get started, visit SmartDollar.com/enroll/costco or text Costco to 33789* to download the app.

If you want to grow your financial knowledge, additional financial resources are available through Resources for Living. Get a free 30-minute consultation per concern with a financial specialist. They can help with things like budgeting, credit repair and reports, mortgages and refinancing, debt management and tax questions. Visit RFL.com/Costco to request a free financial consultation.

Be smart about big purchases

Do your research before buying a house or car. Take the time to compare prices and learn about the market in your area. Consider things like rates and resale value to make an informed decision and get the best value for your money. Consider checking out the Costco Auto Program.

Watch these SmartDollar videos for additional ways to save:

Take advantage of these ways to save

Your Costco benefits can help you make the most of your money.

  • Save on monthly expenses — New for 2025, you have access to LifeMart for employee discounts on gym memberships, virtual fitness and childcare.**
  • Contribute to your 401(k) — Costco offers matching and annual contributions to your retirement plan with T. Rowe Price. To check your 40l(k) account balance, set up automatic payroll deductions, adjust your investment mix and much more, go to RPS.TRowePrice.com.
  • Purchase company stock — The Employee Stock Purchase Plan (ESPP) lets you buy Costco stock through payroll deductions. You choose the amount you’d like to invest per pay period.
    To learn more, visit Costcobenefits.com > Financial Wellbeing > Employee Stock Purchase Plan (ESPP). 
  • Save on taxes — Use reimbursement accounts for eligible expenses.
    • A Health Care Reimbursement Account (HCRA) lets you set aside pretax dollars to pay eligible medical expenses. You can use it for things like copays, deductibles and coinsurance, dental and vision expenses, plus prescriptions and over-the-counter items. Sign up for an HRCA during Annual Enrollment.
      To learn more, visit Costcobenefits.com > Financial Wellbeing > Health Care Reimbursement Account.
    • A Dependent Care Assistance Plan (DCAP) lets you set aside pretax dollars to pay for qualified child and elder care expenses needed for you and your spouse to work. You can use it for expenses like day care, before- and after-school care, nursery and pre-school, and in-home aids. Keep in mind that the DCAP isn’t for dependent health care expenses. You can sign up, change or stop your DCAP based on your dependent care needs.
      To learn more, visit Costcobenefits.com > Financial Wellbeing > Dependent Care Assistance Plan.

NOTE: If you were enrolled in a reimbursement account in 2024, remember that your claim filing deadline is April 30. Any unused funds are forfeited after this date. Only your HCRA rollover amount of up to $640 can be carried over from 2024 to use in 2025.

*Message and data rates may apply. 

**Childcare discounts are not available in Puerto Rico. 

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2 min read

2 MIN READ

APRIL 2025

Talk about money — even when it’s hard

It’s easy to fall into the trap of thinking everyone but you has their money figured out. But the truth is, 72% of Americans report feeling stressed about money within the last month.  

Topics like budgeting, investing, interest rates and managing debt aren’t always taught in homes or schools. And that can leave many adults feeling overwhelmed by their finances.

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It’s ok to talk about it. And you should. If you share expenses with a spouse or partner, talk to them. Getting on the same page is important. But you can only do that if you have clear, open communication about your financial goals.

Talk with a trusted friend or family member. Once you start getting more comfortable having money conversations with the people in your life, not only will it shed light on your own milestone moments, but it will also help you understand how the people close to you view money and make decisions.

And be sure to ask for help when you need it. Support is available from these helpful resources: 

  • Struggling to make ends meet? Get connected with local community resources through Worklife, made available by Resources for Living® (RFL). They can connect you with resources for rent, water and electricity, food and more. Social workers are also available to help support you and your family. 
  • Stressed and overwhelmed? RFL offers 6 free counseling sessions per issue per year for you and your household members. Dependent children living away from home can use RFL up to age 26.
    To connect with support, call 833-721-2320 (TTY:711) or visit RFL.com/Costco. 
  • Need help taking the first step out of a rough financial situation? SmartDollar offers budgeting tools and free one-on-one financial coaching. They can help you figure out a financial plan that meets your needs, such as tackling debt, repairing credit or saving an emergency fund.
    To get started, visit SmartDollar.com/enroll/costco or text Costco to 33789* to download the app. 

Learn more about the importance of talking about money with SmartDollar.

Here’s the truth about money: If you don’t tell it where to go,  you’ll always wonder where it went.
– Dave Ramsey

*Message and data rates may apply. 

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2 min read

2 MIN READ

MARCH 2025

Can’t sleep? Try Sleepio

A good night’s sleep is one of the best things you can do for your physical and mental health. But if you’re like a lot of Costco employees, you may have a varying work schedule, and may not have the same start and end to each day. That can make it harder to fall asleep — and stay asleep — night after night. This can take a toll on your body and mind, putting you at risk for mental health issues, obesity, diabetes and heart disease. Your new free benefit Sleepio can help.

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Sleepio is here

Sleepio is a six-week guided online program for better sleep. It’s tailored to you and simple to use. Clinical studies have shown the program improves the sleep of those who use it.  

Here’s how to join:

  • Complete the coverage check at sleepio.bighealth.com/Costco 
  • Click the link in the confirmation email you receive to download the Sleepio app and create your account

Note: Make sure you start the process by registering on the Sleepio website. There are two Sleepio apps, and the link in the confirmation email will send you to the right one.  

Here’s how it works:

  • You start by taking an in-app baseline sleep quiz to determine your sleep habits and challenges.
  • You then get access to a personalized care plan.
  • In just 5 minutes a day, you’ll learn effective ways to get better sleep, including a wind-down routine, relaxation exercises and ways to calm your thoughts.
  • You’ll better understand why you have sleep problems, what makes them worse and how to get back to better sleep for good.

Sleepio is available at no cost to you and your family members age 18 or older enrolled in a Costco medical plan. Get help to clear your mind, get better sleep and have better days in just six weeks. Learn more at sleepio.bighealth.com/Costco.

4 tips for more zzzzzzs

  1. Eat healthy. A varied diet with plenty of vitamins, minerals and antioxidants makes a major contribution to your immune system, overall health – and sleep. Dietitians recommend 3-5 servings of different fruits and vegetables each day.
  2. Power down. Avoid cell phones, TVs and computers in the hour or two before bedtime. Limit caffeine to the start of your day.
  3. Establish a bedtime routine. Take a warm shower or bath. Listen to calming music. Having a routine helps condition your mind and body for sleep.
  4. Protect your time and energy. Trying to do too much or be everything to everyone can cause stress and anxiety and affect your sleep. Set boundaries if you’re over-extended and make time to unwind and do the things you enjoy.  

Sources:
National Sleep Foundation. The link between nutrition and sleep.

Check out these sleep and diet resources. 

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2 min read

2 MIN READ

MARCH 2025

3 sleeping positions that ease pain

When you don’t get enough sleep, your body feels pain more intensely and takes longer to heal. Finding a comfortable sleep position can be challenging. Here are three to try.

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A pillow in the right place can make all the difference

Back sleeping

Many people find that sleeping on their back is the best position to relieve discomfort. When you’re on your back, your weight is evenly distributed throughout your body. 

  • Lie on your back.
  • Place a pillow under your knees. This keeps your knees and hips in a loose, mid-range position. 

For your head pillow: Choose one that feels comfortable to you. You’ll want to keep your neck straight, which you can do with a thin style or memory foam pillow.

Stomach sleeping

If you like sleeping on your stomach: 

  • Place a pillow under your pelvis and lower belly.
  • Make sure your feet are comfortable. You can try letting them hang over the edge of your bed, or place a pillow below your shins.

If you like sleeping on your stomach but find the pillow uncomfortable, try sleeping on your side while holding a body pillow. This gives your back more support. 

For your head pillow: You may decide to skip a head pillow or choose one that’s a bit flatter. 

Side sleeping

If you’re a side sleeper or want to try side sleeping:

  • Allow the right or left side of your body, including your shoulder, to make contact with your mattress. 
  • Place a pillow or rolled-up towel (about the size of your fist) between your knees to support your hips and back.
  • If there’s a gap between your waist and the mattress, add another small pillow or rolled-up towel.

For your head pillow: Rest your head on a firm, rather than soft, pillow.

Try not to sleep on the same side every time or in the same position. Changing positions relieves pressure on certain parts of your body for pain-free sleep. 

Check out these sleep resources. 

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2 min read

2 MIN READ

MARCH 2025

Get to know your gut microbiome

More than 40,000 Costco employees and family members are living with gut health issues. Many have been suffering in silence. Poor gut health can take a toll on your physical and mental health. But there’s help. Join the 13,000+ who have started using Cylinder*, your free digestive health program.

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What’s a gut microbiome?

Your gut microbiome is the community of “good” and “bad” bacteria that live inside your stomach and intestines. They help you digest food, fight off germs and maintain a healthy weight. If your body doesn’t have enough good bacteria, bad bacteria can thrive, causing a range of health issues:

Digestive issuesSkin conditionsMental
health issues		Other
health problems
Bloating/gasEczemaAnxietyHeadaches
ConstipationPsoriasisDepressionFatigue
DiarrheaRosaceaMood
swings		Joint
pain
HeartburnAcneInflammation
Irritable Bowel
Syndrome (IBS)		Rheumatoid
arthritis
Food
sensitivities		Allergies

Cylinder: Learn about your gut health

Cylinder, your no-cost digestive health benefit, offers:

  • A free at-home GutCheck microbiome health test to measure the good and bad bacteria in your gut
  • Access to a team of experts, including a registered dietician and health coach, who can help you identify triggers and find symptom relief

Sign up at Go.CylinderHealth.com/Costco (access code: Costco) or call 888‑246‑5019. The program is available at no cost to employees and dependents age 18+ enrolled in a Costco medical plan. No diagnosis is needed to get started.

Foods that can help

When you feed your body, you’re also feeding the bacteria that live in your gut, helping them thrive. As a general rule, they’re healthy eaters. Try adding more whole foods to your diet and make sure you stay hydrated.

Foods that can hurt

As much as possible, try avoiding processed foods, such as:

Did you know? Cylinder can also help with colorectal cancer prevention by getting you ready for screenings, navigating appointments and helping you make lifestyle changes that can prevent cancer. Get started today.

*Cylinder is not available in Puerto Rico.

Source:
Johns Hopkins Medicine. Eating for your gut.

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2 min watch

2 MIN WATCH

MARCH 2025

Cylinder: Hear from Costco employees

How often have you heard “you are what you eat”? That’s because what you eat has such a big impact on your physical and mental health. Listen to these Costco employees as they share their experience with Cylinder*, the new free digestive health program. 

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Show transcript

+

Show transcript

Cylinder is available now

Order your free gut microbiome health test with Cylinder, your free digestive health program. Learn about the good and bad bacteria in your gut, then connect with a registered dietitian and health coach to identify triggers that cause gut issues to help relieve your symptoms.

888-246-5019 | Go.CylinderHealth.com/Costco | Access code: Costco | Age 18+

*Cylinder is not available in Puerto Rico.

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3 min read

3 MIN READ

FEBRUARY 2025

Catch conditions early when they’re easier to treat

Skin cancer and breast cancer are the two most common cancers among Costco employees. More than 6,000 employees and their family members are dealing with skin cancer. Nearly 1,800 have been diagnosed with breast cancer. Find out how you can catch these conditions early, when treatment is most effective.

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The power of preventive care

Preventive services such as annual physical exams and mammograms are powerful weapons in fighting these cancers. A recent study shows that regular mammograms reduce the risk of dying from breast cancer by 50%.1 Only 21% of Costco employees and family members get all of their recommended preventive services each year. Are you up to date on your preventive care?

Routine preventive care helps you stay ahead of illness and disease so you can be your best. Preventive care includes services such as your annual physical, certain blood tests, cancer screenings and vaccines, even dental cleanings and vision exams. This kind of care helps you and your doctor know how you’re doing. Most importantly, it can catch a health condition in its earliest stages, when it’s easier to treat.

How to find a PCP

Employees and their family members enrolled in a Costco medical plan can find an in-network primary care provider by visiting Costcobenefits.com and clicking “Find a Doctor” under Health & Wellness. 

Mainland employees can learn more about how to find the PCP that’s right for them in this Aetna ID card update:

Aetna ID card update for mainland employees

To make it easier for you and your family members enrolled in an Aetna medical plan to access preventive care, your new Aetna ID card will have a PCP listed for you and each family member.

Here are a few other things to know: 

  • Your plan hasn’t changed. It’s not an HMO. You are not required to see the PCP on your ID card and your plan doesn’t require a referral to see a specialist.
  • Your PCP was carefully selected. If you’ve seen a PCP in the last two years, we’ve added the most recent PCP or practice name to your card.
  • If you haven’t, we looked for PCPs accepting new patients within 25 miles who have met the Aetna Smart Compare® high standards for care.
  • You can change your PCP at any time, and as many times as you need, by calling your Aetna Health Concierge* at 800-814-3543 (TTY: 711).
  • If you change your PCP, we’ll send you a new card. Your digital ID card will be available on your Aetna member website the next day.
  • Note: If you see a physician’s assistant (PA) or nurse practitioner (NP), you may see the supervising physician’s name or the practice name on your card.

Your PCP is your partner in good health

Your primary care physician (PCP) is your first stop for preventive care. They can give you your annual physical and order blood work, tests and screenings.

Here are some recommended preventive services. Your age, gender, and family and personal medical histories can make a difference in which services you need and when to start them. Ask your doctor what’s right for you.

Don’t forget about dental and vision exams

Learn more about what regular dental care can do for you here.

It’s important to get an annual eye exam, even if you have perfect 20/20 vision. Eye exams can help catch brain tumors, cancer, heart disease and more. In 2024, over 100,000 Costco employees and family members got their annual eye exam. Nearly 3,400 discovered a condition they didn’t know about, giving them the opportunity to seek care. The most common conditions were:

  • High blood pressure or cholesterol
  • Diabetes
  • Cataracts
  • Glaucoma

Employees and their family members enrolled in a Costco medical plan are automatically enrolled in vision coverage.

The plan will pay:

  • Up to $80 for your annual refractive eye exam
  • $175 toward the purchase of prescribed eyewear every year (you don’t have to spend it all at once)

You also get $1,750 toward the purchase of prescribed medically necessary hearing aids every four years.

Protect your health by quitting tobacco or nicotine for good

If you use tobacco and/or nicotine, think about making this your year to quit. The Costco Tobacco & Nicotine Cessation Program can provide the support you need with a plan personalized for you. You’ve got so much to gain once you stop smoking, using tobacco or vaping, including: 

  • A lower risk for heart attack and certain cancers
  • Improved blood flow
  • Better lung function
  • A lower risk for gum disease, tooth loss, dry eye syndrome and cataracts

And that’s just a start. Imagine climbing stairs or playing with the kids and not being out of breath. Even food tastes better! Visit Costcobenefits.com and click “Quit Tobacco” under Health & Wellness to start your journey to quitting for good. 

1American Association for Cancer Research. Mammography screening and risk of breast cancer death: a population-based case-control study.

*Available to mainland employees only. 

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4 min read

4 MIN READ

FEBRUARY 2025

Take care of your heart, body and mind

Your Costco benefits program is designed to support your physical and mental health to keep your heart, body and mind working their best.

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Your benefits include preventive screenings and blood tests for a healthy heart, chiropractic care and custom foot insoles for a healthy body, and counseling or coaching for a healthy mind. If you need prescriptions for your heart, body or mind, the CHS Cares Medication Adherence Program* is here to support you.

Healthy heart

Preventive care services that keep your heart healthy may include:

  • Your annual physical
  • Blood pressure screening
  • Cholesterol screening
  • Blood sugar (glucose) testing
  • Height and weight measurements

Your primary care provider can tell you which services are right for you and how often to have them, based on your age, gender and medical history. Your PCP can also help you “know your numbers” (your test and screening results) and what they mean for your health.

Support for high blood pressure and diabetes

If you are diagnosed with or are at risk for diabetes or high blood pressure, your doctor may recommend medication or changes to your diet or exercise. It can be hard to know where to start.

Omada can help you manage your care between visits to your doctor. This app-based program provides you with:

  • A personalized program to guide you
  • Tools, such as a smart scale, glucose meter and/or blood pressure monitor (yours to keep)
  • Support from a clinical specialist, as needed
  • An Omada health coach to keep you on track 

Get started at OmadaHealth.com/Costco or call 888-409-8687.

Healthy body

Keeping your body healthy is easier when you’re not in pain. Use these benefits to help reduce aches and pains.

Chiropractic care 

If you or a family member is experiencing back pain, neck pain, headaches or arthritis, working with a chiropractor might offer relief. 

Changes to your Aetna** chiropractic care benefits in 2025 include:

  • The Aetna medical plan covers up to 30 chiropractic visits per year.
  • You no longer need to meet your plan’s deductible and coinsurance. 
  • Your plan’s PCP copay applies. 

Custom foot insoles 

If you are suffering from foot, knee or back pain, custom foot insoles may help. FitMyFoot offers custom foot insoles to all Costco employees and family members at a cost of $75 per pair. No prescription is needed.

  • Download the FitMyFoot app and scan your feet.
  • Then visit FitMyFoot.com/costcoemployee 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.
    • Full-time employees who have already met their deductible will pay a 10% coinsurance, or $7.50 per pair. 
    • Part-time employees who have already met their deductible will pay a 20% coinsurance, or $15.00 per pair. 

Virtual physical therapy 

Omada for Joint & Muscle Health offers virtual one-on-one physical therapy with a licensed physical therapist at no cost 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. Visit msk.omadahealth.com/Costco or call 888-409-8687 to get started.

Note: Omada for Joint & Muscle Health is not available to residents of Illinois. For assistance finding physical therapy, contact your Aetna Health Concierge at 800-814-3543 (TTY: 711).

Healthy mind

An important part of your annual physical is a depression screening. Your doctor may give you a questionnaire to fill out or talk with you about:

  • How often you feel depressed or hopeless 
  • Whether you’ve lost pleasure in things you used to enjoy 
  • Trouble falling or staying asleep 
  • How often you feel tired or have little energy
  • Eating too much or too little 

Identifying and treating depression or other mental health concerns can improve your life. Feeling better is possible, and help is available, 24/7.

Support for mental health

Resources for Living (RFL), your Employee Assistance Program (EAP), is a valuable resource for mental health care or simply to help with everyday life. Services are available to all Costco employees and their household members. Dependent children living away from home can use RFL up to age 26.

Find support for:

  • Anxiety, depression, stress and grief
  • Family, parenting or relationship challenges
  • Substance use concerns
  • And much more

Services include:

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

3 ways to find a therapist with RFL

  • Alma*: Access the Alma mental health counseling platform at RFL.com/Costco to help you find the therapist that’s right for you. Search by specialty, gender, language and more. Schedule unlimited free 15-minute consultations until you find the right fit. Then get automatic authorization to start your 6 free sessions.
  • RFL Care Partner: Connect with a Care Partner by live chat on the website or by phone at 833-721-2320 (TTY: 711). They can help you find a therapist and even schedule your appointments.
  • Talkspace: On-demand text or video chat therapy with a licensed therapist is available for teens age 13+ and adults. Get your first 6 sessions free, then copays apply. Visit RFL.com/Costco to get started.

Staying healthy with medications

Your doctor may prescribe medication for you heart, body or mind to help you reach or maintain your best health. Taking your medications as directed by your doctor — known as “medication adherence” — may seem like an easy thing to do. But research shows that nearly 50% of people don’t take their medications as prescribed.1 When this happens, a condition may worsen, which can lead to increased ER visits and hospital stays.

Costco Health Solutions (CHS)* can help. The free CHS Cares Medication Adherence Program* connects you to an expert pharmacist who can help you:

  • Work through barriers that are getting in your way, such as side effects or forgetfulness 
  • Simplify medication routines 
  • Learn simple and effective ways to improve adherence

Click here or call 800-890-5548 to schedule an appointment with a CHS pharmacist.

Note: Appointments are in Pacific Time.

1National Institutes of Health. Medication adherence: WHO cares?

*Not available in Puerto Rico.
**Available to mainland employees only.

Sources:
American Heart Association. Heart-health screenings.
American Family Physician. Screening for depression.