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How to save on childcare

A growing family means changing childcare needs. Your benefits can help support you and your family through all of life’s stages. Learn more about maternity programs in the May WITT content and the Women’s Health Guide.

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Where to get help saving time and money

Finding childcare that fits your schedule and budget can be exhausting. Worklife through Resources for Living® can help make researching childcare options less overwhelming. And you can find discounts on childcare through LifeMart.*


You can also save with Inspira Financial.** Set aside pretax dollars for a Dependent Care Assistance Plan (DCAP). This helps you pay less in taxes overall. It can be used for both qualified child and elder care expenses. This includes daycare, in-home care and some summer camp expenses.


And if things change (such as the price of daycare) you may have the option to update how much you put into your DCAP. Keep in mind that a DCAP isn’t for dependent health care expenses. To save on those, you’d use an HCRA (Health Care Reimbursement Account). An example of this type of expense would be braces. Sign up during annual enrollment in November and start saving.

*Childcare discounts aren’t available in Puerto Rico.
**Inspira Financial isn’t available in Puerto Rico.

Thinking about adoption?

Your Costco plan offers up to $5,000 in adoption assistance per child (with a maximum of two adoptions). You can request reimbursement for certain out-of-pocket expenses, such as attorney fees, transportation and lodging. Visit Costcobenefits.com to learn more or apply for reimbursement within 180 days of adoption.

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Get back to routine

Summer usually means more flexible schedules. When school starts, it can be tough to get back on track with routines and activities. Feeling prepared can help.

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How to fall into a new routine

  • Plan ahead — The night before, prepare all lunches, outfits and supplies so you don’t have to wake up even earlier.
  • Limit screen time — Looking at a screen before bedtime can make it harder to fall asleep.1
  • Dial back bedtime — A few extra hours can make adjusting to a new schedule easier.

Feel refreshed with better rest

If you’re struggling with sleep, Sleepio can help. Sleepio is a free virtual program that helps adults improve their sleep habits and sleep quality in just six weeks. Learn wind-down routines, relaxation exercises and ways to calm your thoughts.

If stress or parenting challenges are keeping you up at night, your benefits include RethinkCare. RethinkCare gives you 24/7 access to digital training, tips and articles. This includes support figuring out how to adjust your child’s bedtime routine. It’s completely confidential and requires no diagnosis. And it’s at no cost to Costco employees.

1Sutter Health. Screens and your sleep.

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Podcast: Life hacks from an RFL® well-being coach

Tired of setting goals but never quite reaching them? You’re not alone. Many people struggle with procrastinating, sticking to a plan and staying organized. It can be tough to stay motivated, especially after a setback.

Well-being coaching can help. Through Resources for Living®, you can work with a coach for free. They can help you make a plan and stay on track. Listen to Laura Horner, a well-being coach for Costco, share tips to help overcome challenges and better manage daily life.

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How to know if you need help 

Some people turn to drugs or alcohol to cope with challenging situations and feelings. This is known as self-medicating. Undiagnosed conditions such as ADHD — or even something as common as stress — can also lead to self-medicating. But substance use only makes you feel better for a little while. And it might make things such as anxiety and depression worse in the long run. There are more effective ways to cope.

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How are you really doing? This might seem like a simple question, but sometimes it’s hard to see things clearly. Take this short quiz to find out. If you answer “yes” to three or more of the questions below, there are Costco benefits and resources that can help. You can also take this quiz on behalf of someone you know.

Have you:1

Bullet Thought parties or social gatherings were only fun when drugs or alcohol were involved?
Bullet Had friends, families or coworkers express concern over your substance use?
Bullet Regularly chosen to spend more time with friends you drink or do drugs with?
Bullet Drink or use substances alone regularly, such as for help falling asleep?
Bullet Planned your schedule around getting drunk or high?
Bullet Told yourself that only drinking or using substances after work or on weekends means you don’t have a problem?
Bullet Noticed people have stopped inviting you to events where there may be substances?
Bullet Found it hard to not binge while using substances?
Bullet Hidden things such as empty alcohol or pill bottles from certain people?
Bullet Started to avoid or distrust people who ask you to use substances less often?
Bullet Woken up after using substances with no memory of what happened the night before more than once in the last six months?
Bullet Gained or lost weight because you’re using substances more often?

Source(s):

1Aetna Better Health, Substance abuse

How to get help if you need it

Drugs and alcohol aren’t the only things people can become addicted to. It might be food, vaping, shopping, social media, gaming or others. Much like managing a chronic health condition, managing these habits is a lifelong process. But it’s not something you have to do alone.

Here are a few of the resources you can turn to for help:

Live Healthy Team*
  • Navigate your behavioral health resources and find treatment programs that fit your needs.
  • Connect with a registered dietitian for guidance on nutrition and weight management, including specific meal plans to help you reach your goals.

To learn more about how the Live Healthy Team can help employees on the Costco medical plan with Aetna, listen to our podcast featuring Live Healthy Team Case Manager Patsy Delgado. For employees who aren’t enrolled in the Costco medical plan, see the resources below for help with emotional health and substance use.

Cylinder for gut health**
  • Did you know that gut health and mental health are connected? Poor gut health can cause inflammation in your body, which can lead to depression, anxiety and even brain fog. Get a free gut microbiome test with Cylinder and work with a gut expert to help identify triggers and relieve symptoms.
Resources for Living® (RFL®)
  • Get 8 free counseling sessions per person, per issue, per year, for you and your household members, and your dependent children up to age 26 living away from home. RFL can also connect you with benefits available to you that can help with substance use and mental health.
  • Use the Alma virtual mental health platform** to find the therapist who’s right for you. Search by specialty, availability, language and more, then schedule a free 15-minute consultation.
  • Get well-being coaching to help you work toward your goals. These can include professional or personal goals.
RFL Financial services
  • Get free 30-minute consultations on topics like credit and debt issues, budgeting, mortgages, refinancing and financial planning.

*Available to mainland employees enrolled in a Costco medical plan.

**Available to mainland and Hawaii employees enrolled in a Costco medical plan.

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Find low- or no-cost therapy

Thinking about therapy but worried about the cost? Taking care of your mental and emotional health doesn’t have to cost you anything. Your Costco benefits include flexible, 24/7, low- or no-cost options that provide in-the-moment mental health or crisis support or fit into a busy schedule. They can help you with relationship challenges, depression, anxiety, loss of a loved one and more.

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Top 3 myths about therapy

Myth #1: It’s too expensive.

Fact: Mainland, Puerto Rico and Hawaii employees have access to free mental health programs through Resources for Living® (RFL®), your Employee Assistance Program. Additional care options — such as ongoing or longer-term therapy or psychiatry — are available through your Costco medical plan for a low copay. 

Myth #2: It’s too hard to find the right fit.

Fact: An RFL Care Partner can help you find a therapist who fits your needs. They’ll do the work to find in-network providers who are accepting new patients, then follow up in 3–5 days with options. And you can always ask for more recommendations. You get 8 free counseling sessions per person, per issue, per year. All employees, family members and their dependent children up to age 26 can use RFL.


Mainland and Hawaii employees can also use the Alma virtual mental health platform to find a therapist based on specialty, language and more. You can schedule 15-minute consultations with your recommended providers. That way, you can get a feel for whether they’re right for you. These consultations don’t count toward your free counseling sessions. They begin once you choose a provider.


Do you have children under 18 you think could use extra emotional support? Virtual care can be a good option for those who feel more comfortable opening up to someone from the comfort of their home. Mainland employees and kids can use Telemynd for virtual therapy or psychiatry. Talkiatry also offers virtual psychiatry for kids age 5+ and is available in most states. Your copay applies to both of these programs.

Myth #3: It’s too hard to find the time.

Fact: Get help that works for your schedule — or even right away. You can also get 24/7 in-the-moment mental health support from RFL.


Talkspace lets you send messages to your therapist, 24/7. A week of messaging counts as one session. If you prefer support that moves at your own pace, Mind Companion Self-care offers interactive options that include videos, exercises and more in a self-guided digital app.


Another resource that’s available 24/7 is Supportiv. Chat anonymously with peers who get what you’re going through, for as long as you like. Just search a few words at Supportiv.com/Costco to find a group of up to 5 plus a trained moderator.


Need immediate help? You can call or text 988 for yourself or someone else 24/7 to speak with someone from the Suicide & Crisis Lifeline.

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Podcast: Meet Patsy, your Live Healthy Team nurse

Need some help to get back on track? Hear how Patsy Delgado, a registered nurse with the Live Healthy Team, connects employees with benefits and resources that make all the difference.

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What can the Live Healthy Team do for you?

The path to good health is rarely a straight line. Setbacks and slip-ups happen, whether you’re trying to eat healthier, manage a health condition, overcome alcohol or substance use concerns, or just get through a stressful life event. To help you get back on track, the Live Healthy Team is here for mainland employees enrolled in the Aetna® medical plan.

Employees in Puerto Rico and Hawaii also have access to health support. See below for some examples, including the Costco Tobacco & Nicotine Cessation Program to help employees quit tobacco and nicotine. 

Find and get help when you need it


Your dedicated Live Healthy Team coach can connect you with one-on-one health support from medical professionals, resources, care and other benefits that meet your unique needs. Here are some ways they can help:

  • Registered nurses offer education, coordinate care — including finding in-network providers accepting new patients — and help guide you through any steps around claims. 
  • Clinical pharmacists review, manage and provide education on your medications. 
  • Behavioral health clinicians help you navigate mental health resources, get treatment for alcohol or substance use concerns, and manage stressful life events. 
  • Registered dietitians can develop meal and nutrition plans for managing chronic conditions and reaching health goals. They also show how what you eat affects how you feel physically and mentally. They can even help with fitness goals, like wanting to build more muscle. To connect with a registered dietitian, call the Live Healthy Team or complete the Registered Dietitian Form.

800-814-3543 (option 2) | Monday–Friday, 7 a.m.–7 p.m. CT | No cost 

Puerto Rico resources

For employees in Puerto Rico, SSS Contigo, available through your Triple-S medical plan, goes the extra mile to take care of your health. They have a group of experts available to you, focused on your well-being. That includes:

  • Nurses to offer education, coordinate care — including finding in-network providers that are accepting new patients — and help guide you through any steps around claims. 
  • 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.

Explore Triple-S flyers in English and Spanish for more information.


SSSPR.com | Mi Triple-S app | 787-706-2552 or 800-981-3241

Hawaii: Additional resources

For employees in Hawaii, HMSA offers benefits and programs for creating a nutrition plan, getting active, finding preventive care and managing chronic illness. Call HMSA at 800-776-4672 or explore the HMSA benefits flyer to learn more.

HMSA’s Online Care allows you to see a doctor online for physical and mental health support at any time. See an online care provider when you need help with:

For 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.
  • Nutrition education.
  • Health and well-being goals.

For mental health:

  • Emotional support.
  • Stress and anxiety management.

You must be in Hawaii to use HMSA’s Online care.

HMSAonlinecare.com | HMSA’s Online Care app | 800-776-4672

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Sober ways to have fun with friends 

Being completely sober or taking a break from substances is a choice people make for many reasons. And it’s becoming more common — especially for Gen Z. It may feel like most social activities revolve around using substances. And while you can still attend events where there are substances, you have other options.

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Choosing to be sober doesn’t mean giving up your social life

Whether sobriety is a long-term lifestyle or you’re taking a short break, below are substance-free ways to spend time with friends and loved ones.

  • Meet up at places that aren’t bars — Connect at a coffee shop, explore a museum or hang out at a park.
  • Try something new together — Sign up for a cooking or dance class, or try a new hobby like painting or pottery. 
  • Enjoy outdoor activities — Discover the healing power of a hike or wander around a farmers market. 
  • Host your own gathering — Start a book club, or plan a game night, potluck dinner or movie marathon. 
  • Focus on connections — Meaningful conversations, laughing and making memories help you build a life that doesn’t revolve around substances. 

If you’re looking to expand your social circle, Resources for Living® (RFL®) Worklife can help point you to activities that are happening in your local community based on your budget, interests and schedule. Call RFL to learn more: 833-721-2320 (TTY: 711).

Have social anxiety? Get help through counseling

Some people rely on substances to feel more comfortable in social situations, especially if they’re shy or don’t know many people at an event. Counseling can help you build coping skills so you can enjoy yourself — and even make new friends.

You have many options when it comes to the type of mental health support you’d like. For example, 8 free, confidential counseling sessions from RFL or anonymous peer-to-peer chat from Supportiv. Scroll down to the resources section to learn more and get started.

You can also view your Benefits Guide for a full list of options, including mental health resources.

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New! Men’s Health Guide

It can be hard to balance work, family and looking after your health. That’s why we created the Men’s Health Guide for mainland employees. Puerto Rico and Hawaii employees can also learn more about benefits to support men’s health below. The guide can help you learn more about some of the health challenges men face and the benefits that can help. Get to know what’s available — and start taking charge of your health.

Learn more about women’s health in May’s articles. Or find the Women’s Health Guide here.

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Benefits that support your physical well-being

2nd.MD — Stay in touch with men’s health experts

2nd.MD offers convenient, virtual access to guidance, support and expert second opinions from board-certified specialists to all employees and their family members enrolled in the Costco medical plan. This includes access to experts on common men’s health concerns such as chronic pain, knee and back surgery or prostate cancer. 1 in 8 men will be diagnosed with prostate cancer in their lifetime1 , but regular checkups and communication with your medical team can help catch things early when they’re easier to treat. 

2nd.MD/Costco | 833-579-2509 | No cost

FitMyFoot® — Get relief for foot, knee and back pain with custom insoles

Being on your feet all day can be tough on your knees and feet. Custom insoles from FitMyFoot may help. They’re available to Costco employees and their family members at a discounted price of $75 per pair.

For employees on the mainland enrolled in the Aetna® medical plan, Aetna may cover some of the cost. Keep in mind that your share of the discounted cost depends on your part-time or full-time status. It also depends on how much you’ve paid toward your deductible for covered services you’ve received this year.

Check your deductible balance before you order from FitMyFoot

  • Call your Aetna Health Concierge at 800-814-3543 (TTY: 711) for a cost estimate.
  • Visit your member website at Aetna.com.
  • Download the Aetna Health™ app. Text ‘AETNA’ to 90156 to receive a download link.

*Message and data rates may apply.


Here’s how to buy your custom insoles:  

Assist America® — Feel confident if you need help when traveling

Travel is exciting, but it can also be stressful. Assist America can connect you with help for travel emergencies 24/7 when you’re 100 miles or more from home, anywhere in the world. 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

Be sure to call Assist America first for services. You won’t be reimbursed for those you arrange on your own. This service is available to employees enrolled in the Costco medical plan or who elect Decline Option 1 or 2.

U.S. 800-872-1414 | Outside the U.S. +1-609-986-1234


Benefits for emotional support

Supportiv — Chat with people who understand

Take part in small and anonymous group chats with others who are going through similar things. All of the conversations are facilitated by a moderator. Some topics you can talk about are:

  • Low self-esteem or general unhappiness with where you’re at in life
  • Anxiety around being a new dad
  • Resolving conflicts in relationships
  • Substance use concerns for yourself or someone else
  • Feeling heavy or like there’s too much weight on your shoulders
  • Balancing stress from work, family and finances

Supportiv.com/Costco | 24/7 | Available to all employees | No cost


Financial well-being benefits

Unum — Take time to bond with your newborn or adopted child

If you’re expecting or adopting a new child, your Costco benefits include paid bonding leave for dads. This gives you time you need with your new child and support your partner while you adjust to new routines. Because every state has its own requirements, reach out to Unum for help and to learn more.

Unum.com | 877-403-9348 | No cost


For more benefits and resources, visit the Men’s Health Guide for mainland employees.

Source(s):

1The American Cancer Society. Key statistics for prostate cancer.

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Building relationships that thrive

Remember when making friends was as simple as having the same favorite color? As we get older, relationships can be a bit more complicated — especially for men. Many men struggle with loneliness. And feeling lonely can make connecting and reaching out to others more difficult.1

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Grow your network at work

Many people feel disconnected and alone at times in life. And loneliness can be as harmful to your health as smoking.2 One way to expand your network is with the people you’re around every day. Engaging with those you work with can build a sense of belonging and community.

Another way to connect is with Supportiv. Supportiv offers 24/7/365 peer-to-peer mental health support through small, moderated group chats. You can chat anonymously with other people who can relate to what you’re going through. Just type a few words about your struggle to connect with others who can relate.

Here’s what Costco employees are saying about Supportiv:

“I feel better. It was nice talking to someone else about something like this without being judged.”

“Just having someone to talk to lifted my spirits.”

Make time for quality time

Balancing work and life can make it hard to nurture relationships. You can spend every day with someone, but that doesn’t mean you’re in the moment. Learn to put your phone down and be present. Here are some ways to connect and reconnect:

  • For friends: When was the last time you spoke to certain friends? Try to make plans and stick to them. Or catch up with friends who live far away over video chat.
  • For significant others: Set regular date nights or activities. They don’t have to be costly or complicated. It’s about committing your time and attention.
  • For children: Children who spend more quality time with their parents tend to be happier and healthier. And it can also help them feel safe turning to you if they need help.
  • For yourself: One way to connect with yourself is with a hobby you enjoy, like cooking or hiking — or try a new one. Another way is through therapy. Talkspace offers 24/7 access to licensed therapists over video-chat or text. Each week of chat therapy counts as one of your free sessions. You also have the option to meet with your therapist online for 30-minute televideo sessions. 

Build stronger relationships with Resources for Living®

Did you know Resources for Living (RFL) has tips for healthier relationships? This includes ways to manage conversations and communication at home or in the workplace.

Check out the Men’s Health Guide for mainland employees for more benefits that support healthy relationships.

Source(s):

1Talkspace. Male loneliness: the unspoken struggle.
2PBS.com. Loneliness poses health risks as deadly as smoking, U.S. surgeon general says.
3National Library of Medicine (NIH). The effect of the time parents spend with children on children’s well-being.

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Video: Check in on those around you

Managing stress, anxiety or depression can make it hard to share how you feel. This can be especially true for men. They may have concerns about the potential stigma around showing emotions or talking about what they’re going through.1 Or they may feel pressure to figure it out on their own or not bother others.

Did you know?
  • Suicide is the 2nd leading cause of death for adults ages 25–34.2

  • In 2022, men died by suicide nearly 4 times more than women.3

Men also experience different symptoms than women — for example, they may seem angry and irritable rather than sad or withdrawn.4 Or they may show no signs at all. That means even close family, coworkers or friends may not realize something’s wrong. 

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Free and confidential support is available, 24/7

Remember: You’re not alone. Sometimes others need that reminder, too. All Costco employees can get free and confidential support 24/7 from the following resources:

  • Reach out to Resources for Living (RFL)® — If you’re thinking about suicide or know someone having suicidal thoughts, RFL offers in-the-moment support 24/7 with a licensed counselor at 833-721-2320.
  • Call or text 988 for 24/7 support from the Suicide & Crisis Lifeline — Get emotional support whenever you need it. You can call or text for yourself or for someone else who may need immediate help.

For more resources that support men’s health, visit the Men’s Health Guide for mainland employees.

Source(s):

1Harvard Business Review. We need to talk about men’s mental health at work.
2USA FACTS. How is the suicide rate changing in the US. 
3American Foundation for Suicide Prevention. Suicide Statistics. 
4Johns Hopkins Medicine. Depression: His versus hers.