Tag: dental-cleanings

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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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3 min read

3 MIN READ

FEBRUARY 2025

NEW Incentives for dental cleanings and the Aetna Maternity Program

Did you know that regular dental care can improve cancer outcomes?

Or that it can lower your chance of early delivery during pregnancy?

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The mouth-body connection 

It’s a fact that the health of your teeth and gums has an impact on the rest of you. This makes your regular dental exams and cleanings especially important.

Regular dental cleanings:

  • Prevent tooth decay and gum disease
  • Catch dental concerns early when treatment is easier and less costly

Since medical issues can show their first signs in the mouth, preventive dental care can have an even bigger impact on your health. Regular dental cleanings can help spot:

  • Infections, injuries and some cancers
  • Immune disorders and osteoporosis
  • Eating disorders and malnutrition

Dental care can also:

  • Cut your risk of heart disease
  • Lower your risk of a stroke
  • Help control your blood sugar
  • Help lower your risk of rheumatoid arthritis
  • Reduce your risk of early delivery during pregnancy

Find a dentist and schedule a cleaning 

If it’s been more than six months since your last dental cleaning, schedule your next dental visit today. Don’t have a dentist? Visit Costcobenefits.com and click “Find a Provider” under Health & Wellness > Dental to find an in-network dentist. 

Your Costco benefits make it easy to keep your smile (and body) healthy, providing two free cleanings and exams each year when you use an in-network dentist.

NEW Dental incentive with Aetna Dental

Dental incentive: For mainland employees enrolled in the Aetna medical and dental plan, now there are even more benefits for getting your regular dental cleanings.

  • Earn a $50 credit toward your annual medical deductible or coinsurance when you and your dependents get at least one annual dental cleaning. You and each of your enrolled dependents are eligible to earn the credit.

Maternity health programs

Get help and support on your pregnancy journey

Whether you’re expecting or just starting to plan a family, get to know the programs available for help and support. 

Mainland

NEW Maternity incentive: Earn up to a $400 credit toward your annual medical deductible or coinsurance when you or your spouse/domestic partner enroll and engage in the Aetna Maternity Program during and after your pregnancy. There is no cost for this program.

The Aetna Maternity Program lets you talk with specialty trained nurses about things such as prenatal care, newborn care and much more. You’ll also get:

  • Extra support for a high-risk pregnancy
  • Help to quit tobacco
  • Information on your plan’s lactation support and breast pump benefits
  • Information for dads and partners
  • Online resources at the Maternity Support Center

To get started, call 855-282-6344 (TTY: 711) or log in at Aetna.com/Maternity. 

Puerto Rico

If you’re enrolled in the Triple-S medical plan, you have free access to SSS Contigo Mamá, an educational program that supports pregnant moms throughout pregnancy and up to six months postpartum.

The program offers:

  • Virtual workshops on prenatal care, childbirth and breastfeeding
  • Telephone counseling with a clinician

To get started, visit SSSPR.com, email contigomama@SSSPR.com, or call 787-706-2552 or 800-981-3241. 

Hawaii

If you’re enrolled in the HMSA medical plan, you have free access to the HMSA Pregnancy and Postpartum Support Program. To help you have a healthy pregnancy, this program pairs you with your own maternity nurse who’ll provide personalized education and counseling over the phone.

You’ll receive:

  • Support from a maternity nurse as a complement to the care you receive from your ob/gyn
  • Referrals to trustworthy resources and services
  • Help with your doctor’s instructions and answers to questions about care
  • Additional postpartum support during the first six months after delivery

Log in to HMSA.com/pregnancysupport or call 855-329-5461 to get started.

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.

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TAKE ACTION

OCTOBER 2024

The top 10 reasons to get regular dental and vision exams

Did you know that getting regular dental cleanings can reduce your chances of ending up in the hospital by up to 28%?

That’s a great reason to schedule your annual dental appointment (and eye exam) before the year is over. If you need more motivation, check out the “top ten” list below. While some of the reasons may be familiar to you, others may be surprising — and may motivate you to get these exams on your calendar every year. 

If you haven’t gotten your two yearly dental cleanings or haven’t had your eyes checked this year, there’s still time to schedule your annual visits. Dental exams and cleanings are covered at 100% when you’re enrolled in a Costco dental plan and see an in-network dental provider. Your Costco benefits also offer an allowance toward your annual eye exam and $175 per year toward the cost of prescribed eyewear (this amount can be spread out over the whole calendar year and doesn’t need to be used all at once).

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10 reasons to get your yearly exams

Dental

Prevents tooth decay

At your teeth cleaning, your dental hygienist removes the plaque and tartar deposits that are too hard to get to during regular brushing. Left unchecked, these can cause cavities, tooth loss, gum disease and other issues.

Catches dental concerns early

Annual visits allow your dentist to catch cavities and other concerns early, when they’re easier and less costly to treat. For example, a simple filling today could require a surgical extraction and expensive implant if left untreated.

Improves cancer outcomes

Recent research shows that people diagnosed with throat, nasal cavity, and other head and neck cancers have a 30% higher survival rate 10 years after their diagnosis if they visited their dentist regularly.1 

Lowers risk of early delivery during pregnancy 

Pregnant women who have good oral hygiene and routinely visit their dentist are less likely to experience premature delivery, a baby with low birth weight and preeclampsia.2

Impacts heart health

Poor oral health can increase the risk of heart disease, such as heart attack or stroke. Research suggests that bacteria present in gum disease can travel through the bloodstream to trigger inflammation and infection in the heart.

Vision

Improves eyesight 

A comprehensive eye exam with an optometrist is the best way to determine if you need corrective lenses and check whether your current prescription has changed. These exams can also identify common conditions such as myopia (nearsightedness). 

Detects eye diseases

Many diseases of the eyes don’t have symptoms but can lead to vision loss if untreated. Your eye doctor can identify early warning signs and help treat conditions such as glaucoma and diabetic retinopathy. 

Identifies other health concerns 

Issues spotted in the eye are often the first signs of medical conditions throughout the body. Some of these conditions include high blood pressure, high cholesterol and diabetes.

Makes learning easier for kids

Good vision is helpful to the learning process. An eye exam can detect any concern that may be getting in the way of your child’s school performance. 

Keeps you safer 

Whether you’re driving a car, operating a forklift or using other machinery, you need to see what you’re doing. Being able to see clearly helps keep you and others out of harm’s way.  

Feeling more motivated? Schedule your exams today. And if you use tobacco or nicotine, read on. 

Quitting nicotine is good for your teeth and eyes, too

If you smoke or vape, you are at a higher risk for gum disease and tooth loss. The risk of developing dry eye syndrome and cataracts also goes up. Try the Costco Tobacco & Nicotine Cessation Program for support to help you quit nicotine products for good. To get started, log in to Costcobenefits.com then click this link. 

Check out the resources below to keep your teeth and eyes healthy. 

1Health. Regular dental visits linked to increased survival rates for head, neck cancer patients.
2NIH National Library of Medicine. Oral care in pregnancy.

Sources:
Penn Medicine. The link between gum disease and heart disease.
American Academy of Ophthalmology. 20 surprising health problems an eye exam can catch.
Oral Health Foundation. Smoking and oral health.
Tompkins Dental. How vaping affects your teeth.
American Academy of Ophthalmology. How do smoking and vaping damage the eyes?

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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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TAKE ACTION

APRIL 2024

Savings dos and don’ts

Saving money not only feels good, it also gives you more control and opportunities throughout your life. With savings in the bank, you can more easily meet life goals, such as taking a big vacation, upgrading your home, or funding a child’s education.  

And here’s the good news: Saving money is not as hard as it may seem. With some thought, planning and a little discipline, you can make small changes that can make a big difference.  

Check out the ideas below for inspiration. And don’t forget to use your Costco benefits to help you reach your savings goals. 

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Do automate your savings. 

By setting up monthly automatic transfers from your checking account to your savings account, your money will build without any extra work on your part. Even if it’s just $25 a month, it will add up fast. Consider naming your savings account or accounts to match your savings dreams or goals, such as “vacation fund,” “emergency fund” or  “down payment.”

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Do take advantage of reimbursement accounts.*

Are your children in afterschool care? Do you need a dental crown replaced? Could your elderly parents use some in-home help? You can set aside pretax dollars for these expenses — and save money on taxes — with a reimbursement account administered by Inspira Financial (formerly PayFlex).

Enroll in a Health Care Reimbursement Account (HCRA) and/or a Dependent Care Assistance Plan (DCAP) during Annual Enrollment in November. You can also enroll in DCAP during the year if your childcare needs change. 

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Do teach your kids how money works. 

Kids can and should develop good money habits at an early age. You can help by teaching them the connection between work and money and encouraging them to have short- and long-term savings goals. Younger children can watch their savings grow in a clear savings jar. Tweens and teens can be given more responsibility by using a banking app on their phone to follow their savings progress or make transfers from checking to savings.

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Do start small.

It’s often easier to save if you start with a short-term goal. For example, committing to saving $20 a month for six months is more attainable than setting a goal to save $300 per month for a year. Once you reach your short-term goal, you’ll have created a habit of saving that can motivate you to keep going.

Don’t forget to monitor your autopay accounts.

Using autopay for gym memberships, streaming subscriptions and other services is a common practice. But this convenient way of paying also has its costs. In a recent survey, 42% of those polled continued to pay for subscriptions they no longer used.1 If you use autopay, make sure to regularly review what you’ve signed up for so you can cancel services you’re not using.

Don’t put off saving for your retirement.

Even saving a few dollars per paycheck for retirement can help you have a more secure financial future. The younger you start, the better, since you earn interest every year on both the money you save and the interest you earn along the way. For example, the chart below, provided by T. Rowe Price, shows the substantial impact that delaying your retirement contributions for ten years can have on the total amount you have available when you retire.

A bar chart about a person contributing $125/week for 45 years has more than double the retirement savings of a person contributing $125/a week for 35 years.
The chart is for illustrative purposes only and is not meant to represent the performance of any specific investment option. Final account balances are rounded to the nearest thousand. Assumes $125 invested each week in a tax-deferred account and a 7% annual rate of return for a hypothetical investor from age 20 to age 65. All investments involve risk, including possible loss of principal.

Costco’s retirement plan through T. Rowe Price makes it easy to save with automatic enrollment. You can choose a percentage of your pre-tax income to contribute. Costco makes contributions to your retirement plan even if you don’t contribute yourself.

Don’t skimp on preventive care.

Medical and dental conditions have better outcomes — and are less expensive to treat — when detected early. Make sure to get your annual physical exams, dental cleanings, vaccines and recommended screenings. Preventive care is free when you use an in-network provider.

Don’t go it alone.

We all have something to learn about improving how we manage our money. A SmartDollar® financial coach meets you where you are financially to help you make the changes necessary to reach your savings goals. You can start these free one-on-one sessions at any time and sign up for as many as you want. Spanish-speaking coaches are also available.

*Not available in Puerto Rico. 

Sources:
NerdWallet. How to save money now (before you really need it).
Americasaves.org. 54 ways to save money.
Ramsey Solutions. What is a financial coach?
Ramsey Solutions. 15 ways to teach kids about money.

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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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TAKE ACTION

OCTOBER 2023

Keep your teeth in tip-top shape

Baby boomers are the first generation in which most people will keep their natural teeth for life. This is largely thanks to fluoride in public water and fluoride toothpaste. But we’re not totally out of the woods.

Threats to oral health, like cavities and gum disease, can still lead to tooth loss, especially as we age. Receding gums and decreased saliva production can expose teeth to decay-causing bacteria. It’s also common for other age-related health issues to take precedence over oral health.

Luckily, there’s one tool that can help you maintain strong teeth for the long term — regular preventive care. And your Costco benefits are here to help, with 100% coverage for two annual dental exams and cleanings when you see an in-network provider. If you haven’t had a cleaning in the last six months, you still have time to schedule a preventive dental visit before the end of the year. And if you are enrolled in the Costco medical plan, don’t forget to take advantage of the annual vision exam included in your benefits too.

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Tips for a healthy mouth

Men, in particular, are more vulnerable to dental issues. Men develop gum disease more often than women, due to their hormone differences, immune system factors, differences in oral hygiene behaviors and greater tobacco use.1 They also tend to visit dentists less frequently, and when they do, it’s more often for a longstanding problem than disease prevention.

Fortunately, there are small steps everyone can take to keep their teeth and gums healthy.

  • Schedule your annual dental checkups and cleanings. Two checkups per year are recommended.
  • Brush your teeth with a fluoride toothpaste twice a day and floss daily. This removes the plaque that causes cavities.
  • Limit sugary foods and drinks. The sugar and carbonation in these products can strip away enamel and cause tooth decay.
  • Avoid tobacco. Not only do tobacco products stain your teeth, but they can also increase your risk of gum disease, bone loss and oral cancer. If you smoke or use tobacco products, there are resources available to help you quit. The Costco Tobacco Cessation program can help.
  • Drink plenty of water. The dehydrating effects of alcohol and some medications can reduce the saliva flow in your mouth, making you more susceptible to gum disease and tooth decay.
  • See your doctor or dentist if you have sudden changes in taste or smell. These could be a sign of gum disease or infection.

When surgery is necessary

Even if you practice good dental hygiene, you may still need oral surgery. The most common is tooth removal, or extraction. This is recommended if you experience pain due to severe tooth decay or gum disease. Wisdom teeth may also be candidates for extraction if your dentist determines that they’re likely to cause issues in the future. Other types of oral surgery include root canals, periodontal surgery, dental implants and corrective jaw surgery.

It’s often confusing to know whether oral surgery procedures fall under your dental or medical benefits. A general rule of thumb is that dental insurance covers any procedure directly related to the teeth, while medical insurance covers procedures related to the bones and tissue structures of the face and oral cavity. If your doctor or dentist recommends oral surgery, visit Costcobenefits.com to find information on coverage.

Relief from dental pain

Your care team wants you to be as comfortable as possible when you’re undergoing dental treatment. That may involve prescribing pain relievers, including opioids, which are highly addictive. Ask your dentist about safer pain-management alternatives.

For example, EXPAREL®, a nonaddictive one-time injection, helps to relieve pain for the first few days after a procedure and may reduce the need to take opioids at all. This medicine is covered by all Costco dental plans at 100%. You can also try a combination of ibuprofen (Advil®, MOTRIN®) and acetaminophen (TYLENOL®), which has been shown to be more effective than opioids with fewer side effects.2 Talk to your dentist about your options.

Save more when you stay in network

To keep your teeth and gums healthy, prevention is the best medicine. All Costco dental plans fully cover preventive care, including two annual checkups and cleanings when you see an in-network dentist. Using an in-network dentist usually keeps your out-of-pocket expenses lower and offers a higher annual maximum benefit. You can review your dental plan choices and make changes during Annual Enrollment, starting November 1.

1American Journal of Men’s Health. Men and oral health: a review of sex and gender differences.
2Modern Healthcare. OTC meds more effective for post-surgery pain than opioids, study shows.

Sources:
CDC. Facts about adult oral health.
Cleveland Clinic. Oral surgery.

Be sure to schedule your dental exam and cleaning before the end of the year. For resources to help you review your coverage, find a dentist, or quit tobacco products for good, see below.

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TAKE ACTION

JANUARY 2023

Put your well-being on the calendar

In January, the new year is still a blank canvas. If you’ve taken the 2023 pledge, you’re probably already thinking about your goals for your emotional, financial and physical well-being. You may also be thinking about all the ways you plan to grow this year.

Want to make the best possible start? Take the pledge (if you haven’t already) and encourage your spouse or domestic partner to join you. Then take out your calendar and start scheduling appointments that are essential for your well-being.

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Schedule these appointments in 2023

Here are just a few of the well-being appointments you should schedule for and put on your calendar. Check the resources below to learn more, including how to find a primary care doctor.

Annual physical

COST: $0*

During this exam, the doctor will check your vitals, like your blood pressure, heart rate and temperature, and will talk to you about your family’s medical history. Depending on your health background and history, your doctor might also do some blood work or further testing. Even if you’re young and in excellent health, it’s important for your doctor to get to know you, establish a baseline and be alert to changes in your health that may occur in the future.

Two dental exams and cleanings

COST: $0*

It’s important to get a dental exam and have your teeth cleaned every six months. Not only will your dentist monitor your dental hygiene, but they’ll also check for gum disease. And they’ll periodically take X-rays to check for tooth decay, impacted teeth or tooth movement. Remember, the earlier oral health problems are treated, the less costly and aggressive the treatment will be.

Dermatology exam

COST: VARIES

According to the Skin Cancer Foundation, 1 in 5 Americans will develop skin cancer in their lifetime. Be sure to conduct monthly skin cancer self-exams. Plus, annual skin exams by a board-certified dermatologist may be recommended if you have a:

  • History of skin cancer in your family
  • History of blistering sunburns or tanning bed use
  • Large number of moles or a history of atypical moles
  • History of regular sun exposure

Vision exam

COST: COVERED UP TO $80*

The American Optometric Association recommends getting an exam at least every two years to have your eyes checked for things like cataracts and glaucoma. After age 40, you’ll want to get an eye exam every year.

Gynecology exam

COST: VARIES

If you’re female and over age 21, or are sexually active (whichever comes first), you need to start seeing a gynecologist. During this exam, your doctor will check your breasts, conduct a pelvic exam and possibly do a Pap smear (this is typically done every three to five years, depending on your age), where they’ll check your cervix to test for any cancerous cells or abnormalities. 

Mammogram

COST: $0*

A mammogram is a low-dose X-ray of the breast. Regular mammograms can help detect breast cancer at an early stage. They can often find breast changes that could be cancer years before physical symptoms develop.

  • Women under the age of 40 with family history of breast cancer, or who have discovered a lump.
  • Women between ages 40 and 44 have the option to start screening with a mammogram every year.
  • Women ages 45 to 54 should get a mammogram every year.
  • Women ages 55 and older can switch to a mammogram every other year, or they can choose to continue yearly mammograms. Screenings should continue as long as a woman is in good health.

Vaccinations

COST: $o*

Make sure to get your flu shot and any other vaccinations your in-network primary care provider (PCP) recommends. You’ll find a complete list of vaccinations the CDC currently recommends by age group here.

Financial checkup

COST: VARIES

A financial checkup looks at the current state of your finances and helps you determine any changes you need to make to meet your goals. It may include the following.

  • Reviewing your life changes. They can affect your taxes and financial goals.
  • Creating a budget to be intentional about spending, saving and investing.
  • Assessing, reducing and managing your debt.
  • Checking your credit score since it affects loan rates and terms you receive.
  • Revisiting your retirement plan to make sure it aligns with your goals.
  • Evaluating your estate plan so your loved ones are protected.

Get a free 30-minute financial consultation through Resources For Living® (RFL®)**.

*If you’re enrolled in a Costco medical plan.

**Resources For Living is available to all employees and members of their household, including children up to age 26 living away from home.

Sources: InStyle. The 6 doctors’ appointments you need to make this year.
American Cancer Society. American Cancer Society recommendations for the early detection of breast cancer.
Investopedia. How to conduct a financial checkup.

For more information on how your Costco benefits can support your efforts to enhance your emotional, financial and physical well-being, see the resources below.

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LEARN MORE

OCTOBER 2022

Protect your teeth, your wallet and your well-being

When it comes to oral health, an ounce of prevention can save you a ton of money and much more. By getting regular dental exams and cleanings, you can ensure that your teeth and gums stay clean and healthy. And you can catch problems early, before they get expensive.

With the Costco dental plan, the twice-yearly dental exams and cleanings you need to keep your mouth healthy are covered at 100%, when you see an in-network provider. And that’s good news for your teeth, your wallet and your overall well-being.

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The costs of poor dental health

The costs of poor dental health go well beyond just having bad teeth. They also affect your health, employment and well-being. Not only are there direct treatment costs, but there are also many hidden and unexpected costs of poor oral health.

Potential impacts start early in life

Tooth decay early in life can be especially impactful. According to one survey, early childhood tooth decay has been linked to impaired development, educational performance, poor behavior, family stress, diminished quality of life and even disability and death.

Dental issues can also result in lost school days. A recent study found that 30% of U.S. kids ages 6 to 12 miss more than 9 million school days due to oral health problems. In another study, children with poor oral health were nearly three times more likely to miss school due to dental pain.

Employment costs of poor oral health

Poor oral health can affect people’s job prospects and social lives. Missing or damaged teeth can cause anxiety and undermine self-confidence. According to the American Dental Association (ADA) report, Oral Health and Well-being, 38% of people surveyed feel life in general is less satisfying due to the poor condition of their mouth and teeth. The same report finds that 1 in 5 adults experience anxiety and 23% feel embarrassment due to the condition of their teeth and mouth.

Treatment costs and other health impacts

Direct treatment costs can be substantial for a variety of common conditions that result when oral hygiene or preventive dental care are neglected. Here are a few examples of conditions that can result from poor oral health and their average treatment cost (before insurance):

Average Costs of Dental Procedures1

Filling

Average cost: $204

One-surface resin (white) filling, front (anterior) tooth

Crown

Average cost: $1,312

Porcelain fused to high noble metal (e.g., gold)

Root canal

Average cost: $1,226

Molar, excluding final restoration

Complete upper denture

Average cost: $1,441

(Maxillary)

Dental implant, surgical placement

Average cost: $7,062

(Transosteal)

Prevention is a bargain

When it comes to maintaining good oral health, brushing, flossing and rinsing twice a day, plus twice-yearly dental exams and cleanings are not only essential, they make good financial sense. A recent insurance industry report estimated that adults who practice good preventive oral health care can save 31% in dental costs over five years. Likewise, adults who don’t receive preventive care can expect a 43% increase to their annual dental costs over the same period.

So, spend five minutes, twice a day, on your oral health care. And visit the dentist twice a year for dental cleanings and exams. You can save money — and much more.

1The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of June 2020. Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart.

Sources: 1Dental. Dental access plan — Procedure price list
1Dental. How much are dental implants?
University of Illinois Chicago, College of Dentistry. The many costs (financial and well-being) of poor oral health

Learn more about your Costco dental plan, including free preventive care and where to find an in-network dentist, by checking out the resources below.

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EXPLORE MORE

OCTOBER 2022

Good health starts here

Regular preventive care, including dental cleanings and exams twice a year, is not just essential for oral health. It’s important for overall health, too. That’s why Costco dental plans cover preventive care at 100% when you see an in-network provider.

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Your oral health affects your overall health

  • Endocarditis. This is an infection of the inner lining of your heart chambers or valves (endocardium). It typically occurs when bacteria or other germs from another part of your body, such as your mouth, spread through your bloodstream and attach to certain areas in your heart.
  • Cardiovascular disease. Although the connection is not fully understood, some research suggests that heart disease, clogged arteries and stroke might be linked to the inflammation and infections that oral bacteria can cause.
  • Pregnancy and birth complications. Periodontitis has been linked to premature birth and low birth weight.
  • Pneumonia. Certain bacteria in your mouth can be pulled into your lungs, causing pneumonia and other respiratory diseases.

And your overall health can affect your oral health

Several diseases and chronic conditions may contribute to poor oral health:

  • Diabetes. By reducing the body’s resistance to infection, diabetes puts your gums at risk. Gum disease appears to be more frequent and severe among people who have diabetes. Research shows that people who have gum disease have a harder time controlling their blood sugar levels. Regular periodontal care can improve diabetes control.
  • HIV/AIDS. Oral problems, such as painful lesions, are common in people who have HIV/AIDS.
  • Osteoporosis. This bone-weakening disease is linked with periodontal bone loss and tooth loss. And certain drugs used to treat osteoporosis carry a small risk of damage to the bones of the jaw.
  • Alzheimer’s disease. Worsening oral health is seen as Alzheimer’s disease progresses.

Other conditions that might be linked to oral health include eating disorders, rheumatoid arthritis, certain cancers and an immune system disorder that causes dry mouth (Sjogren’s syndrome).

Tell your dentist about the medications you take and about changes in your overall health, especially if you’ve recently been ill or you have a chronic condition, such as diabetes.

What can you do to protect your oral health?

To protect your oral health, practice good oral hygiene daily.

  • Brush your teeth at least twice a day for two minutes each time. Use a soft-bristled brush and fluoride toothpaste.
  • Floss daily.
  • Use mouthwash to remove food particles left after brushing and flossing.
  • Eat a healthy diet and limit sugary food and drinks.
  • Replace your toothbrush every three to four months, or sooner if bristles are splayed or worn.
  • Schedule dental checkups and cleanings twice a year.
  • Avoid tobacco use.

Preventive care is your first defense

In addition to brushing and flossing, the best way to ensure that your teeth and gums stay healthy is to stay on top of your twice-yearly dental exams and cleanings. You don’t need to schedule your appointments six months apart either. The timing is up to you. Just make sure to put yourself, and your oral health, on your calendar.

Source: Mayo Clinic. Oral health: A window to your overall health.

Want to learn more about your Costco dental coverage, free preventive care and where to find an in-network dentist? Check out the resources below.