5 min read

MAY 2025

Support for growing your family — and ways to save

Looking to grow your family? The journey can involve a lot of decision-making and preparation. Put exploring your benefits at the top of your list. You have many no-cost or low-cost resources to support you along the way. This includes tools for a healthy pregnancy, support for infertility, help planning for maternity leave and more.

Plus, there are ways to save, like incentives that go towards your deductible and coinsurance — just for doing things that help keep you and your baby healthy. You can also get childcare discounts through LifeMart.

Looking for more? Find other articles below

Enroll and earn with the Aetna Maternity Program

Mainland employees can earn up to $400 in credit towards your deductible and coinsurance if you enroll in and engage with the Aetna Maternity program. A specialized team of nurses can also walk you through what to expect before and after delivery, get answers to your questions and more, including:

Mental health support throughout your journey
Guidance to reduce pregnancy risks and prevent early labor
Breastfeeding support and accessing your free breast pump
Information about newborn care
Education on vaccines for parents and children
Information and support for dads or partners

Learn more at Costcobenefits.com > Health & Wellness > Health Benefits > Aetna Maternity Program. To sign up for the program or reach a fertility advocate, visit Aetna.com/Maternity or call 855-282-6344 (TTY: 711).

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

Benefits for infertility and adoption

You also have access to infertility support. Get paired with an Aetna^® Fertility Advocate. These specially trained nurses can answer your questions and help you understand your benefits. They can also help with the prior authorization process. Your infertility benefits include:

Support from a fertility advocate if you qualify for infertility treatment
Services needed to diagnose the medical cause of infertility
Up to six medicated cycles of comprehensive infertility service
If warranted, up to three cycles of advanced reproductive technology (ART), including in-vitro fertilization (IVF) and elective single embryo transfer (eSET)
Drugs to treat infertility, up to $25,000 per lifetime

If you decide to adopt a child, your benefits can help make that dream come true. Adoption assistance is available to you after one year of employment. You can be reimbursed for up to $5,000 of eligible expenses (limited to two adoptions).

For more details visit the Women’s Health Guide.

Getting ready for a new baby

Bringing a healthy baby into the world starts with taking care of you. Your Costco medical plan fully covers routine prenatal visits when you use providers that are in-network. Some recommended steps are:

Schedule your first prenatal visit as soon as you know (or think) you may be pregnant.

Call the Live Healthy Team at 800-814-3543 (option 2) if you’d like help finding a provider or scheduling your appointment.
Enroll in the Aetna Maternity Program in your first trimester to get an enrollment credit of $200.

Choose a pediatrician. About three months before giving birth or adopting your child you’ll want to start your search. This helps you avoid delays in case the doctor has a busy schedule.

Look for reviews online or ask friends and family for recommendations.
Search for a pediatrician at Aetna.com or the Aetna Health^SM app.
You can also call the Live Healthy Team for help.

Find childcare. Finding the right care can take longer than you’d expect. For help, call Resources for Living (RFL) at 833-721-2320. Find discounts on childcare with Lifemart.

Get a breast pump. If you plan to breastfeed, about two months before giving birth you can talk with an Aetna Maternity Program nurse to order a breast pump, covered at 100%.

Plan for maternity or bonding leave so you have time to rest, recover and connect with your baby or adopted child.

Unum can help guide you through state-specific requirements around maternity leave.
They’ll also assist with paid bonding leave benefits.

Enroll your newborn or adopted child into your health plan within 60 days of their birth or adoption. They’re not automatically added, so don’t delay — even if you’re still waiting for a Social Security number or state-certified birth certificate.

Finding balance after a new baby

Taking care of yourself after delivery is a big part of your physical and emotional recovery. Be sure to keep all your postpartum checkups. They’re important to monitor your overall health and address any complications.

Staying on top of your mental health is important for you — and for baby, too. AbleTo can help new parents, including those struggling to find work-life balance, recognize and manage the depression, anxiety, and stress that frequently follow the birth of a child. This may include preterm birth (NICU) or infants with special needs.

Parenthood is both rewarding and demanding. For even more benefits and resources that support a growing family, check out the Women’s Health Guide for mainland employees, available now. Stay tuned for the Men’s Health Guide, coming in June.

5 MIN READ

Support for growing your family — and ways to save