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FAMILY BENEFITS

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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Coping with infertility

When you’re having a hard time having a baby, it often seems as if the whole world is filled with pregnant women and new moms. Infertility can be enormously stressful — and the stress, depression and anxiety can worsen as time goes on. Regardless of the reason you’re unable to get pregnant, the feelings it brings up are powerful. But there is hope.

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Here are some strategies you can use to cope with infertility and the resources to help you.

1. Identify and acknowledge your feelings and fears.

Your emotional response to infertility is seldom the result of just one stressor. More than likely, you’re experiencing feelings of depression, anxiety, isolation and loss of control. You may also feel shame, guilt, jealousy and low self-esteem.

Take the time to pull apart your web of emotions and think about your feelings and fears. Why are you feeling how you feel? What are they about? Who are they directed toward?

By trying to better understand each emotion or fear, you can gain a deeper understanding of yourself. If you’re having a difficult time identifying your feelings, talk to a close friend or counselor who can help you sort through your range of emotions.

2. Give yourself permission to cry and be angry.

Don’t turn off your emotions because you think they’re unpleasant or hard to justify. Feel the way you feel. Allow yourself the time and space to have a good cry, punch a few pillows or even scream. Don’t shut off your feelings. It’s perfectly fine to cry about one more friend who got pregnant “without really trying.” Just find safe and healthy ways to release your anger or sadness.

3. Don’t blame yourself.

Accepting that conception isn’t going to happen on its own can be very difficult. But blaming yourself, your partner, or others wastes important energy that could be put to better use focusing on the things you can do to achieve your family-building goals.

4. Understand your options.

This is where a fertility specialist is essential. Schedule an appointment with a reproductive endocrinologist for a full fertility evaluation of you and your partner. It’s important that both partners are evaluated since you play an equal role in the conception process.

Once you’ve had an evaluation, your provider will have the necessary information to recommend fertility treatment options that fit your goals. Creating a game plan can make you and your partner feel more optimistic about where you are and where you’re headed.

5. Be open and honest with your partner.

When you’re dealing with infertility, it’s normal to feel angry about your situation. It’s also completely natural for some of this anger to be directed toward your partner. But it’s important to remain a united front throughout this journey.

Learn to share these feelings in a healthy way. Make sure you’re listening carefully, responding thoughtfully and asking questions when you don’t understand. If you’re not able to do this on your own, don’t be afraid to reach out for help and support.

And don’t be surprised if your partner experiences the emotions of infertility differently than you do. Accept that everyone copes in their own way.

6. Practice self-care.

Make sure you take time out from caring for everyone else to spend time on yourself. Go for a walk, read a book, get a massage or take a relaxing bath. And make sure you’re eating well and getting plenty of sleep.

7. Find healthy outlets, hobbies and pastimes.

Take time to participate in other healthy, non-reproductive-related outlets and hobbies.

Get active. Register for a charity walk with friends. Go bowling. Volunteer at a local shelter or soup kitchen. Take an art class or learn to make jewelry or pottery. Art can be great therapy.

Doing something positive can help you channel some of your negative energy into creating happiness for others at a time when you may not be feeling happy about most aspects of your life.

8. Re-establish intimacy with your partner.

Sex on demand based around your ovulation schedule can be challenging. Spontaneity goes out the window, and sex can feel mechanical and focused on conception rather than intimacy and pleasure. Couples need to work a little harder to connect. Intimacy of any kind can re-establish this connection and make you feel like you again. Physical and emotional connections are critical. And because infertility can often be a marathon and not a sprint, it’s important to establish good habits from the beginning.

9. Be realistic, but highly optimistic.

Thinking that you’ll somehow get pregnant naturally despite an ovulation issue or sperm problem may not be realistic without taking active steps to increase your fertility. It’s helpful to discuss with your fertility provider all the things you can be doing to improve your fertility and what are realistic goals and a realistic timeline.

10. Join an infertility support group.

Feeling understood and supported while dealing with infertility can help couples cope, particularly when the support comes from people who have experienced their own fertility struggles. While friends and family are great, if they haven’t experienced what you’re going through, it can be difficult to relate.

Support can mean different things to different people. Some people find one-on-one support to be what they need, while others like the comradery of a bigger support group of others dealing with infertility.

11. Use a fertility coach.

A fertility coach is another support option. Fertility coaches help you on your fertility journey, from beginning to end. They can help you clarify your goals, set realistic expectations, reconnect with yourself and each other, and offer supplemental resources as needed. They also look to educate and inspire you no matter where you are on the road to parenthood.

12. Seek professional support.

If you’re feeling depressed, are having trouble expressing how you feel, or you think you need more guidance than friends or a support group offer, consider getting help from a professional.

Couples should choose the structure that works best for them. This can be counseling as a couple, separately or a combination of the two. Most fertility clinics have professionals they recommend who specialize in helping fertility patients.

Miscarriage and stillbirth

Multiple studies suggest that between 8% and 20% of recognized pregnancies end in miscarriage, and 30% to 40% of all conceptions end in miscarriage (though your chances are largely contingent on your age). However, there’s still a stigma associated with this type of loss. Coping with infertility, miscarriage and neonatal loss can be an isolating experience. Emotions can waiver from surprise, sadness, guilt and anxiety about future pregnancies. And the hormonal shifts don’t help.

Take time to grieve your loss. Some couples choose to do something to honor their child, like planting a tree or getting tattoos. Sharing your experience with other women who have been through the same thing can be reassuring. You’ll be surprised to learn how many women you know have experienced miscarriage. Joining a support group may help, as well.

Source: CNY Fertility. How to deal with infertility: 12 powerful coping strategies.