2 MIN READ
JULY 2025
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.
Looking for more? Find other articles below
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 6 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.
AbleTo offers free 8-week programs designed to fit your needs and is available to mainland and Hawaii employees age 18+. They can help address specific concerns. For example, ways of thinking that trigger anxiety and panic attacks. A program might help you learn how to recognize these triggers and manage your feelings.
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.
Resources for you
Get connected to support
Resources for Living® (RFL®) provides free and confidential help and support, including:
- In-the-moment mental health or crisis support, 24/7
- 6 free and counseling sessions per person, per issue, per year, with in-person, virtual or chat options
- Access to the Alma virtual therapy network with free 15-minute consultations to help you find the therapist who is right for you. Search by type, specialty, availability, language and more.
Services are available to you and your household members. Dependent children living away from home can use RFL up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | No cost
Self-paced online emotional well-being program
Mind Companion Self-care is a digital self-guided emotional support program offering tools to help you manage anxiety, stress, work/life balance and more.
Select your focus area and you’ll be guided through sessions with videos, interactive questions and relaxation exercises. This free program is available to all Costco employees, members of your household and dependent children up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | No cost
On-demand video chat or text therapy, 24/7
Talkspace offers 24/7 access to confidential, on-demand text therapy or video chat with a licensed therapist, for teens and adults. The first 6 sessions are free to all Costco employees, all members of your household and dependent children up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | Age 13+ | First 6 sessions are free
Build skills to help with life’s challenges
AbleTo helps you take charge of your emotional and mental health with 8-week virtual therapy and coaching programs personalized to your specific needs and challenges.
AbleTo.com/Costco | 833-881-1444 | Age 18+
Anonymous peer-to-peer chat support, 24/7
Supportiv provides 24/7/365 peer-to-peer mental health support via small group chats. All participants are anonymous, and all conversations are facilitated by a trained moderator. Supportiv is available at no cost to all Costco employees, members of your household and your dependent children up to age 26.
Supportiv.com/Costco | 24/7 | Age 13+ | No cost
Find virtual therapy and psychiatry for kids, teens and adults
Telemynd offers licensed psychiatrists and therapists specializing in hundreds of conditions who can evaluate, diagnose, and provide therapy or psychiatric treatment for kids, teens and adults from home.
Telemynd.com/costco | 877-403-9348 | Age 5+ | Copays apply
Access virtual psychiatry for kids, teens and adults
Talkiatry offers licensed psychiatrists for therapy with medication management, led by experts in their field and representing a diverse range of specialties.
Talkiatry.com/costco | Available in most states | Age 5+ | Copays apply
Get connected to support
Resources for Living® (RFL®) provides free and confidential help and support, including:
- In-the-moment mental health or crisis support, 24/7
- 6 free and counseling sessions per person, per issue, per year, with in-person, virtual or chat options
Services are available to you and your household members. Dependent children living away from home can use RFL up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | No cost
Self-paced online emotional well-being program
Mind Companion Self-care is a digital self-guided emotional support program offering tools to help you manage anxiety, stress, work/life balance and more.
Select your focus area and you’ll be guided through sessions with videos, interactive questions and relaxation exercises. This free program is available to all Costco employees, members of your household and dependent children up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | No cost
On-demand video chat or text therapy, 24/7
Talkspace offers 24/7 access to confidential, on-demand text therapy or video chat with a licensed therapist, for teens and adults. The first 6 sessions are free to all Costco employees, all members of your household and dependent children up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | Age 13+ | First 6 sessions are free
Anonymous peer-to-peer chat support, 24/7
Supportiv provides 24/7/365 peer-to-peer mental health support via small group chats. All participants are anonymous, and all conversations are facilitated by a trained moderator. Supportiv is available at no cost to all Costco employees, members of your household and your dependent children up to age 26.
Supportiv.com/Costco | 24/7 | Age 13+ | No cost
Get connected to support
Resources for Living® (RFL®) provides free and confidential help and support, including:
- In-the-moment mental health or crisis support, 24/7
- 6 free and counseling sessions per person, per issue, per year, with in-person, virtual or chat options
Services are available to you and your household members. Dependent children living away from home can use RFL up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | No cost
Self-paced online emotional well-being program
Mind Companion Self-care is a digital self-guided emotional support program offering tools to help you manage anxiety, stress, work/life balance and more.
Select your focus area and you’ll be guided through sessions with videos, interactive questions and relaxation exercises. This free program is available to all Costco employees, members of your household and dependent children up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | No cost
On-demand video chat or text therapy, 24/7
Talkspace offers 24/7 access to confidential, on-demand text therapy or video chat with a licensed therapist, for teens and adults. The first 6 sessions are free to all Costco employees, all members of your household and dependent children up to age 26.
RFL.com/Costco | 833-721-2320 (TTY: 711) | Age 13+ | First 6 sessions are free
Build skills to help with life’s challenges
AbleTo helps you take charge of your emotional and mental health with 8-week virtual therapy and coaching programs personalized to your specific needs and challenges.
AbleTo.com/Costco | 833-881-1444 | Age 18+
Anonymous peer-to-peer chat support, 24/7
Supportiv provides 24/7/365 peer-to-peer mental health support via small group chats. All participants are anonymous, and all conversations are facilitated by a trained moderator. Supportiv is available at no cost to all Costco employees, members of your household and your dependent children up to age 26.
Supportiv.com/Costco | 24/7 | Age 13+ | No cost