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Family benefits

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FAMILY BENEFITS

AUGUST 2024

Resources for raising a healthy family

Maybe you’re just starting out on your parenting journey. Or maybe you’re in the thick of it. Either way, you can probably use all the help you can get. That’s why your Costco benefits offer a variety of free or low-cost programs to support the well-being of you and your children as they grow and mature.

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Baby on the way or planning for kids?

Whether you’re planning for your first child or adding to your family, the Aetna Maternity Program* provides expert guidance and support before, during and after pregnancy. If you’re having a hard time conceiving, the program offers help for infertility, including coverage for treatments and access to a fertility advocate. 

Planning to adopt? Adoption Assistance from Costco provides up to $5,000 per child (maximum of two adoptions) to help cover adoption expenses, such as agency fees, attorney fees and transportation.  

Emotional health support

It’s never too early to help your child learn the social and emotional skills they need to have a happy life. Use your benefits to educate yourself on the best way to support your kids and to access the mental health services they may need throughout their childhood.

RethinkCare provides training, tools and resources at no cost to help parents, caregivers and children of any age manage challenges at home and school. The program also provides support for children with developmental delays or disabilities and can help parents navigate special education services.  

Families with children who struggle with ADHD, anxiety and other behavioral conditions can get access to therapy and psychiatry through Telemynd*, a program for employees and their dependents enrolled in an Aetna medical plan. Telemynd can support age 5+. Virtual therapy and psychiatry appointments are available with wait times under one week. Your plan copays apply. In addition, all employees can access 24/7 text-based or video therapy through Talkspace, available for teens age 13+ and adults. You can get six free sessions when you access the program through RFL.com/Costco.

Benefit choices that can save you money

Raising a child isn’t cheap. But your Costco benefits can help lower your family’s health and wellness expenses and make a big difference in your budget.

Costco medical plans

In-network providers save you money on doctor’s visits, dental procedures and more. These providers have contracted with your medical plan provider Aetna®, Triple-S or HMSA to provide services at a certain rate — usually much lower than what they would charge someone outside of the network. In-network preventive care, such as well-child checkups, recommended vaccines and dental cleanings, is covered at 100%. 

Institutes of Quality*

Through your Aetna medical plan, you have access to top-rated hospitals and facilities known as Institutes of Quality (IOQ). These providers meet your needs by offering excellent care and commitment to your recovery. When you choose an IOQ for certain bariatric (weight loss), cardiac (heart) or orthopedic (bone or muscle) procedures, Costco pays 100% of the cost of the hospital or surgical facility charges. You will still pay your cost shares for your surgeon, anesthesiologist and other non-facility charges. 

On-demand support

Unnecessary trips to the emergency room can be costly. If you need help finding an in-network urgent care facility on an evening or weekend, call the 24-Hour Nurse Line* at 800-556-1555 (TTY: 711) to find one near you. HMSA’s Online Care, for employees in Hawaii, and TeleConsultaMD, for employees in Puerto Rico, also provide employees and their dependents enrolled in a Costco medical plan on-demand access to care.

98point6** 

Save the cost of a doctor’s visit with on-demand text-based care through 98point6. You’ll be connected to a board-certified doctor who can diagnose and treat colds, the flu, rashes, allergies and many more common conditions. No appointments, no waiting rooms and no travel necessary.

Inspira Financial** 

A Health Care Reimbursement Account (HCRA) or Dependent Care Assistance Plan (DCAP) offered by Inspira Financial is another good way to save. These accounts allow you to lower your taxes by setting aside pre-tax dollars for eligible health care and dependent care expenses. Use an HCRA for things such as over-the counter medications, Band-Aids, copays and deductibles. A DCAP can help cover childcare, preschool tuition, before- and after-school care and more. Enroll in an HCRA or DCAP during Annual Enrollment in November. You can also enroll in DCAP during the year if your dependent care needs change. 

Remember, as a parent, you have the most important job in the world. Don’t hesitate to reach out for help when you need it. Take advantage of the resources below to save money and make your life easier.

*Available on the mainland only.
**Not available in Puerto Rico.

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Get help

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GET HELP

APRIL 2024

When your financial situation feels hopeless

In the classic Christmas movie It’s a Wonderful Life, George Bailey falls into despair after experiencing a financial catastrophe. He feels like his only way out is to take his own life. Sadly, this isn’t something that just happens in movies. People experiencing financial hardship are 20 times more likely to attempt suicide than those who don’t experience financial hardship.1

While Clarence, the angel who rescues George, is fictional, there is real-life help for people struggling with financial stress. Your Costco benefits are always there with free coaching, free counseling and in-the-moment mental health support to help you carve out a path to financial stability. 

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Money worries are a common problem

In a recent Bankrate survey, 52% of adults said that money has a negative impact on their mental health at least occasionally. Among those impacted by money worries, almost one-third worry every single day.  

A big part of those worries is debt. Life has become increasingly hard to afford, leading the average American to be over $52,000 in debt.2  Economic factors, student loans and increasing costs for housing, childcare, and even day-to-day expenses may set people up to spend more than they earn. These elements can combine to leave people fearing that they’ll never be able to pay off their debts. 

Help is here

If you’re having financial challenges, you’re not alone in your struggle. There is help and hope. The best thing to do is take a two-tiered approach. Get help to address both the financial stressors and the impact these stressors have on your mental health. 

Seek emotional health counseling 

If you feel like you’re facing a financial crisis, working with a trained mental health clinician can help you learn ways to reduce those overwhelming thoughts. Resources For Living (RFL), your Employee Assistance Program, offers six free counseling sessions you can use to help with anxiety about your financial situation and discover coping strategies to regain hope and control.

You can also take advantage of RFL’s free financial resources, including 30-minute consultations on topics such as: 

  • Credit and debt  
  • Financial planning 
  • Tax planning 
  • And more 

Reaching out is not a sign of weakness and doesn’t mean you’ve failed as a provider, a parent or a spouse, or failed to live independently. Rather, it means that you’re able to recognize that your financial situation is putting you under stress and that you want to address it.

Seek financial coaching 

A financial coach can help you strategize options or solutions going forward. Your coach will work with you to tackle your finances one step at a time. Together, you’ll create a personalized plan to improve your finances and relieve your stress.

You can get free, one-on-one financial coaching with SmartDollar®. During your video calls, your coach can help guide you on how to:

  • Pay off debt faster 
  • Create a personalized money plan 
  • Save for education expenses and retirement 
  • Get on the same page with your partner 
  • Feel more peace of mind

Schedule as many sessions as you’d like. And feel free to keep your camera off during your calls— your comfort and privacy matter.

A risk factor for suicide 

While many people are very aware of the negative impact of financial stress, few know that financial hardship is a major risk factor for suicide. Stress over debt or difficulty in making ends meet can increase anxiety, distress and depression levels — all of which can put someone at risk for suicidal thoughts. Mental health conditions can also make it difficult to recover from financial stress. It’s a loop that can be hard to get out of. 

If you or someone you know is having suicidal thoughts due to debt stress, money hardships, or any reason, seek emergency help. Call or text the Suicide & Crisis Lifeline at 988 or go to your nearest emergency department. Also call someone you trust – a friend, family member, coworker or clergy person.

1American Journal of Epidemiology. Financial strain and suicide attempts in a nationally representative sample of US adults.
2 Health.com. Financial stress is a leading catalyst for suicide — here’s how you can find help.

Sources:
Ramsey Solutions. Average American debt.
Bankrate. 7 ways to manage financial stress during trying times.
Forbes. The silent strain: How debt takes a toll on mental health

Getting yourself to a place of financial peace takes patience, persistence and a lot of support. The following resources can be essential in helping you get there.

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Take the pledge

TAKE THE PLEDGE

JANUARY 2024

Let’s get this party started

It’s a new year, full of lots to celebrate. Will you reach your weight-loss goal? Pay off your credit card debt? Watch your children thrive at school? You can set yourself up for 12 months of success by taking the 2024 We’re in This Together pledge — and inviting your spouse or domestic partner to join you.

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Pledging gives you power

When you take the pledge, you commit to learning about the benefits available to support the well-being of you and your family. That means you’ll know where to go for help and how to use your benefits to make real changes in your life. You’ll find resources to help you reduce stress, improve relationships, reach your financial goals, stay healthy and much more.

It’s a new year, with new goals to strive for, so renewing your pledge is important. Explore your benefits and resources with fresh eyes – and check out what’s new for 2024.

Small victories add up

With help from your Costco benefits, there’s a lot you can do to make a difference in your life. Big goals are great, but small ones can also leave a lasting impact on your emotional, financial and physical well-being. For example, if you invest $100 per month in your 401(k) instead of spending it, you could end up with over $40,000 in 20 years. Or, if you swap soda for flavored or carbonated water, you’ll take in between 550 and 1,250* fewer calories per week — and reduce your risk for obesity and type 2 diabetes over your lifetime.

These small wins also improve your confidence. Any accomplishment releases dopamine, which boosts your mood, motivation and attention. And it signals you to keep at the activity again and again.

Big or small, whatever changes you decide to make in 2024, stick with them. Be sure to celebrate each success along the way.

Get the most out of your benefits and take the pledge! Make this the year to celebrate you.

*Based on drinking one 12-ounce can of soda per day.

Sources:
UCLA Health. Drinking soda linked to many adverse health conditions.
Investopedia. Investing $100 a month in stocks for 20 years.
University of Minnesota Extension. Celebrate the small stuff.

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Explore your benefits

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EXPLORE YOUR BENEFITS

JANUARY 2024

We’ve got your back

No one can do it all themselves. Each of us needs help and community, especially when we’re making changes in our lives. That’s why Costco offers a wide range of benefits resources to help you with all areas of your well-being — so you always feel supported and never feel like you have to do it on your own.

As you gear up to pursue your goals for the year, commit to getting to know your benefits and, if you haven’t already, take the pledge. Encourage your spouse or domestic partner to take it, too. And prepare to celebrate each accomplishment you make along the way.

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A strong foundation for emotional, financial and physical well-being

Your Costco benefits provide the care you need to flourish. They can help you:

Live a longer, healthier life

Costco medical and dental plans cover preventive care at 100% when you see an in-network provider. Preventive care includes physical exams, dental checkups and cleanings, some cancer screenings and certain age-appropriate immunizations. This routine care can help you stay well and catch health concerns early, lowering your risk for disease and disability.

Get help for a serious health challenge

Live Healthy Team* Coaches can help employees and their families enrolled in an Aetna® medical plan create an action plan, connect to the right resources and coordinate care when you’re diagnosed with a serious health condition. You can also use 2nd.MD to get a second opinion on your diagnosis or treatment plan, and connect with Resources For Living (RFL) to get emotional support services, including counseling and daily life assistance.

Manage a chronic condition

Omada for Diabetes, Hypertension & Prevention provides personalized online programs to help you make healthy choices when living with a chronic condition. You’ll work with a dedicated health coach and a clinical specialist to get the support and tools you need to make simple changes for a healthier life.

Find mental health support

RFL has a team of care partners that can help with challenges such as stress management, work-life balance, relationships, grief, depression, anxiety, substance misuse, self-esteem and personal development. They offer in-person or virtual counseling, daily life assistance, disaster relief, help with child or elder care, and more. You can also use Supportiv for online peer-to-peer support and AbleTo** for help building skills to better cope with life’s challenges.

Deal with parenting challenges

RethinkCare gives your family 24/7 access to tools, webinars and resources to help you understand, teach and better communicate with your children, including those with developmental or learning challenges. You can also try Supportiv for peer-to-peer parenting support.

Quit tobacco or get support for drug and alcohol misuse

Costco Tobacco Cessation Program pairs you with personal support to design a plan to help you quit tobacco for good. And if you or someone in your family is struggling with drugs or alcohol, RFL can help you find in-network rehabilitation facilities and provide behavioral health support services.

Go through a life change

Your Costco benefits are there for you when you’re building a family, buying a home, going through a divorce or coping with the loss of a loved one. Resources to help with these transitions include the Adoption Assistance Program, the Aetna Maternity Program* for help with infertility and postpartum challenges, and RFL for legal and financial consultations and grief counseling.

Create a stable financial future

T. Rowe Price manages the Costco Retirement Plan that helps you save for your future. Costco will make contributions to your account even if you don’t. You can also use SmartDollar® to take control of your finances and pay off your debt, and spend less on taxes with a Health Care Reimbursement Account (HCRA)** and a Dependent Care Assistance Plan (DCAP).**

Whatever you’re looking to achieve, use your Costco benefits to help you get there. Learn more about some of the resources available to you below.

*Available on the Mainland only.
**Not available in Puerto Rico.

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Kudos to you!

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KUDOS TO YOU!

DECEMBER 2023

Thanks for a great year

It’s hard to believe another year is ending. But what a year it has been! Your dedication, resilience and unique talents played a major role in Costco’s success. We’re grateful for all that you do.

Another thing we appreciate — your commitment to your emotional, financial and physical well-being. Over 100,000 of you took the We’re in This Together pledge this year, and many of your spouses and domestic partners joined in, too. An increasing number of you used Resources For Living® to support your mental health. And in one month alone, your enrollment in Omada for Joint & Muscle Health nearly tripled — a sign that you know the value of keeping your body healthy.

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What will you celebrate?

Next year is full of opportunities to make changes for the better. You can start by pledging to continue to work toward your emotional, financial and physical well-being goals, beginning in January, 2024.

If you enrolled in the quarterly Well-being Challenges this year, thanks for participating. Challenge #4, our final challenge of 2024, focuses on your emotional, financial and physical welll-being. Why not give it a try? The challenges are a great way to take small steps toward your larger goals and celebrate your progress.

As always, your well-being portal will be full of news and information about a variety of health topics each month to support you emotionally, financially and physically. Check back often so you don’t miss a thing.

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A year of Your Stories

Our 2023 podcast series featured inspiring stories from four of your co-workers. Each shared their well-being struggles and highlighted the important role Costco benefits played in their journey to better health. This month, Costco employee Reese Schmelling tells his story and how the Live Healthy Team* played a critical role in his recovery.

You can listen to all four podcasts now. Their stories might help you in your own well-being journey.

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Costco continues to be committed to prioritizing the health and well-being of our employees. That’s why we work hard to provide you and your family with valuable and affordable benefits to help you receive quality care whenever needed.

We want you to be familiar with these benefits and resources so that you can get the most out of them. And the best way to do that is by participating in the We’re in This Together pledge. By participating, you’ll receive information specific to your needs.

Thank you for the important role you play in making Costco a great company. And best wishes to you and your family for a healthy 2024!

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Craig Jelinek,
CEO

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Ron Vachris,
President

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*Available on the Mainland only.

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2024 Annual Enrollment: November 1-21

LET’S GET COOKING

NOVEMBER 2023

Annual Enrollment is served!

November 1–21, 2023 

Annual Enrollment is your opportunity to review and make changes to your benefits plan elections for the upcoming year. It’s also the time to confirm eligibility for any enrolled family members to continue their coverage through 2024.

In late October, an Annual Enrollment letter and the 2024 Benefit Plan Changes booklet were mailed to you to help you with the enrollment process. If you didn’t receive these materials, or if you prefer to review online, you’ll find everything you need at Costcobenefits.com.

Want to make sure you don’t miss any steps? Watch this quick Annual Enrollment video.

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The recipe for a healthy, happy 2024

Follow this checklist to ensure a successful Annual Enrollment. You must complete these steps by November 21, 2023.

  1. Sign up for text reminders on the Enrollment Website at Costcobenefits.com.
  2. Watch the Annual Enrollment video to make sure you don’t miss any steps.
  3. Review your 2024 Benefit Plan Changes booklet.
  4. Complete your Dependent Verification to continue coverage for your eligible family members. This must be completed every year, even if you don’t make any changes to your benefits.
  5. Review your current benefits plan elections on the Enrollment Website. This includes confirming your life insurance beneficiaries.
  6. Enroll or re-enroll in your Health Care Reimbursement Account (HCRA) and/or Dependent Care Assistance Plan (DCAP) for 2024.* Remember, even if you’re already enrolled, you must re-enroll to participate in 2024.

To complete your Annual Enrollment, use your ESS user name and password to log in at Costcobenefits.com.

*Not available in Puerto Rico.

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Enhanced benefits

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ENHANCED BENEFITS

NOVEMBER 2023

Here’s what’s new for 2024

Costco takes your health and well-being very seriously. That’s why your Costco benefits are continually evolving to provide affordable, quality care for you and your family. You’ll find exciting new benefits plan enhancements for 2024 to help with hypertension management, mental health support and vision coverage — all at no cost to you or your covered family members.

Watch the Benefit Changes video to learn more about these enhancements.

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Explore your enhanced benefits

Help for hypertension

A new virtual blood pressure management program from Omada is coming in 2024. Omada for Hypertension provides one-on-one support and guidance from a personal health coach and clinical specialist, as well as the tools you need to track and monitor your progress. In addition, you’ll get a personalized care plan, weekly lessons and membership in an online support group.

Employees who are enrolled in a Costco medical plan and their covered dependents age 18 or older can participate in Omada for Hypertension at no cost, starting January 1. If you’re enrolled in Omada for Diabetes or Prevention, your health coach can also assist you with this service.

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Peer support when you need it

Beginning January 1, all Costco employees, their household members and dependent children age 13 or older will have free access to Supportiv. This online peer-to-peer support program matches you with other people going through the same struggles you are, such as emotional challenges, parenting concerns, relationship issues and much more. The conversations are through live small group chat sessions that are professionally moderated and fully anonymous. It’s your place to de-stress and feel supported 24/7, 365 days a year – no appointment necessary.

Use your vision benefit throughout the year

Starting in 2024, your vision and hearing aid* benefits will be supplied through EyeMed. With this change, you no longer have to use your vision benefit in a single purchase — it’s available to use throughout the year. For example, if you buy a pair of glasses in January for $100, then lose them three months later, you’ll still have $75 to put toward a replacement pair. You must use your full benefit by December 31, 2024.

To learn more about these benefits plan enhancements, visit Costcobenefits.com.

*Hearing aid and eye exam benefits in Puerto Rico will continue to be supplied by Triple-S.

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Learn more: Reimbursement Accounts

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LEARN MORE

NOVEMBER 2023

More money in your pocket

For Mainland and Hawaii only.

Taking care of yourself and your family can have a big impact on your budget. There are the everyday expenses, including medications and first aid supplies and larger ones, like day care and orthodontia. But here’s some good news: You can set aside pretax money to help pay for these items with reimbursement accounts, administered by PayFlex®. Even better news: You’ll also spend less on taxes.

Costco offers two reimbursement accounts. You can choose to enroll in one or both of them. The Health Care Reimbursement Account (HCRA) is for health care expenses, and the Dependent Care Assistance Plan (DCAP) is for dependent care expenses. You must enroll or re-enroll in these accounts every year, so make your elections for 2024 during Annual Enrollment, November 1–21.

Watch the Reimbursement Accounts video below to learn more about the HCRA and DCAP.

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The smart way to pay for health care and dependent care expenses

The Health Care Reimbursement Account (HCRA) and Dependent Care Assistance Plan (DCAP) allow you to pay for qualified expenses with money automatically deducted from your paycheck before taxes are calculated, lowering your taxable income. Here are answers to some common questions about these accounts.

What do they cover?

You can use your HCRA for eligible health care expenses that are not covered by your medical plan for you and your covered spouse and dependents. These expenses can include your plan deductible and copays, and many health care items and services, for example:

  • Dental and vision expenses
  • LASIK laser eye surgery
  • Orthotics
  • Reading glasses
  • Sunscreen

See a complete list of eligible HCRA expenses.

Your DCAP can be used to reimburse yourself for eligible dependent care expenses necessary for you and your spouse to work. Funds can be used to pay for childcare for your dependents age 12 and under, or to care for another family member incapable of self-care who lives in your home, such as a spouse, a child age 13 or older or a parent. Here are a few examples of eligible expenses:

  • Before- and after-school care
  • Care for a disabled family member
  • Child daycare
  • In-home aide
  • Nanny
  • Preschool tuition

See a complete list of eligible DCAP expenses.

Note: Your DCAP cannot be used to pay for dependent health care expenses.

How do they work?

When you enroll in an HCRA or DCAP, you choose an amount of money to put aside for the year based on what you think you’ll need to cover your expenses. This money is automatically taken out of each paycheck and deposited into your reimbursement account before payroll taxes are calculated.

You don’t pay taxes on this money. That means you save an amount equal to the taxes you would have paid on the money you set aside.

With an HCRA, you can pay for certain expenses directly from your account with the AutoPay function if you’re enrolled in a Costco medical plan. You can also use the HCRA debit card for eligible expenses, or pay upfront and submit a claim for reimbursement. See below for more details.

Autopay

HCRA

The HCRA will automatically reimburse certain medical, dental and vision plan expenses, including copays, coinsurance and deductibles.

debit card

HCRA

Use for eligible expenses at Costco Pharmacy or Online Pharmacy, Costco Optical Department and Costco Hearing Aid Center.

Claim form

HCRA & DCAP

Use for other eligible expenses, such as prescription drugs or over-the-counter drugs or items.

With a DCAP, you’ll need to pay upfront for an eligible item or service, then you’ll submit your receipt and a claim form through PayFlex to get reimbursed from your account.

Each reimbursement account has different rules and restrictions, as follows:

HCRA

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Contribution amounts

You can contribute between $120 and $3,050 per year.

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Enrollment

To enroll or re-enroll in an HCRA for 2024, you must make your election during Annual Enrollment.

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Access

You can access the full amount of your annual HCRA election on January 1.

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Rollover

Only a small portion of your HCRA balance can roll over to the next plan year. If you are enrolled in an HCRA for 2023, your rollover amount to use in 2024 is $610. This amount is determined each year by the IRS.

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Use it or lose it

All expenses must occur during 2024. You forfeit any balance over the rollover limit that remains in your account after the claim filing deadline of April 30, 2025.

DCAP

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Contribution amounts

You can contribute up to $5,000 per year ($2,500 if married and filing separately).

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Enrollment

To enroll or re-enroll in a DCAP for 2024, you must make your election during Annual Enrollment. You can unenroll or change your DCAP election at any time during the year if there is a change in your dependent care needs.

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Access

Access is limited to the amount currently in your account. You can get reimbursed up to the amount of your year-to-date contributions, not the entire annual amount you selected.

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Grace period

You can use the funds you contributed for any services through March 15, 2024.

icon stopwatch

Use it or lose it

You can submit claims until April 30, 2025. Any funds remaining after the deadline will be forfeited.

How do I know how much to contribute?

Be very thoughtful when choosing how much money to contribute to your reimbursement accounts. Look at what you spent this year on health care and/or dependent care, and consider how that amount may change in 2024. Money left in reimbursement accounts (except for the allowed rollover amount for the HCRA and the grace period for the DCAP) will be forfeited after the claim filing deadlines.

How do I get started?

If you wish to participate in a reimbursement account for 2024, you must enroll during Annual Enrollment, which ends on November 21, 2023. Important note: If you enrolled in a reimbursement account for 2023, you will need to re-enroll in order to have a reimbursement account for 2024.

Visit the Enrollment Website located on Costcobenefits.com to make your reimbursement account elections. See the resources below for more information.

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Learn more

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LEARN MORE

MARCH 2023

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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Take the pledge

TAKE THE PLEDGE

JANUARY 2023

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.