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Get back to routine

Summer usually means more flexible schedules. When school starts, it can be tough to get back on track with routines and activities. Feeling prepared can help.

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How to fall into a new routine

  • Plan ahead — The night before, prepare all lunches, outfits and supplies so you don’t have to wake up even earlier.
  • Limit screen time — Looking at a screen before bedtime can make it harder to fall asleep.1
  • Dial back bedtime — A few extra hours can make adjusting to a new schedule easier.

Feel refreshed with better rest

If you’re struggling with sleep, Sleepio can help. Sleepio is a free virtual program that helps adults improve their sleep habits and sleep quality in just six weeks. Learn wind-down routines, relaxation exercises and ways to calm your thoughts.

If stress or parenting challenges are keeping you up at night, your benefits include RethinkCare. RethinkCare gives you 24/7 access to digital training, tips and articles. This includes support figuring out how to adjust your child’s bedtime routine. It’s completely confidential and requires no diagnosis. And it’s at no cost to Costco employees.

1Sutter Health. Screens and your sleep.

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The superpowers of ADHD

NOTE: With more than 14,000 Costco employees or their family members diagnosed with attention deficit hyperactivity disorder (ADHD), many of us are familiar with the struggles of ADHD. Being easily distracted, forgetful or fidgety are just a few. The condition can be challenging for kids, teens and adults, and may look different for everyone. But did you know that ADHD often comes with superpowers?

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ADHD is not the same for everyone

ADHD is a variety of symptoms that can be grouped into two main types:

ADHD in males

Males are three times more likely to be diagnosed with ADHD than females, often because the combined type symptoms are more visible at school, at home or at work.

ADHD in females

Women may go undiagnosed for decades as their symptoms may be less noticeable. Girls with ADHD are often good at masking or flying under the radar by hiding their condition.

ADHD superpowers

In a recent employee podcast, Costco Director of Employee Benefits Celeste Parker spoke about her family’s challenges with ADHD and anxiety, as well as the “superpowers” she sees in her son, who was diagnosed with ADHD.

Here are some of the many strengths and talents that can be found in those with ADHD: 

  • Lots of energy: Enthusiasm for life can bring drive, motivation and lots of activities to enjoy. This extra energy can also help kids with ADHD excel at sports, which can be a source of pride for them.
  • Strong problem-solving skills: Most kids with ADHD are very good at thinking on their feet. 
  • Creative thinking: Thinking outside the box means different ideas and perspectives that can lead to innovative solutions.  
  • Ability to zone in and focus: Hyperfocus is a state of intense concentration, which can be very helpful when a big project is due the next day, or if there’s a topic your child wants to learn more about.  
  • Multi-tasking and flexibility: The ADHD brain can jump quickly from one topic to another, allowing for adaptability and the ability to thrive in chaos.  

How to help develop your child’s superpowers

The challenging behaviors naturally get a lot of attention. Some of the qualities that come along with neurodiversity have a positive side, too — including instincts and skills that can be nurtured to help your child grow steady, confident and strong. You can help your child identify and focus on their strengths and build their self-esteem.

Positive reinforcement

Acknowledging when your child does something right can be a powerful motivator. Tell your child when they’ve done something they should be proud of.

Structured environment

Kids with ADHD don’t always love routines, but they thrive when routines are in place. Schedules that your child can see and follow, or a distraction-free homework area can help them feel in control.

Open communication

Allow your child to express their thoughts and feelings so you can work on challenges together.

Advocate for your child

RethinkCare can help you talk to your child’s teacher and support you through the process of setting up an Individualized Education Program (IEP) or 504 when needed. Section 504 is the federal requirement for public schools to provide a free and appropriate education. Click here to register for your free account, available to all employees with children of any age.

Therapy

Learning to control impulses and emotions can improve life at school and at home. Telemynd* offers therapy for kids age 5+ with flexible scheduling and the ability to complete the first session in less than a week. This program is available to those enrolled in the Aetna® medical plan. 

Medication

Your child’s therapist can help you decide if medication is appropriate for your child. Sometimes it’s a short-term fix that helps a child build long-term habits, while others may need it longer.

Wondering if you or your child has ADHD?

We all experience some of these symptoms from time to time. But if they’re affecting your daily life, support is available. Your Costco benefits can help you and your child flourish. This includes coping strategies, therapy and medication if needed. 
 
Call Resources for Living at 833-721-2320 (TTY: 711) or visit RFL.com/Costco to access six free counseling sessions per issue yearly, for you, each of your household members regardless of age, and each of your dependent children up to age 26 who may live away from home. 

You can also visit Telemynd.com/Costco to get started with virtual therapy or psychiatric treatment for kids age 5+, teens and adults. 

*Available on the mainland only.

Sources:
Mayo Clinic. Adult attention-deficit/hyperactivity disorder (ADHD) – Symptoms and causes
National Institute of Mental Health (NIMH).
Attention-Deficit/Hyperactivity Disorder (ADHD)

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Family benefits

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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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Video: What everyone needs to know about bullying

Pushing and hitting. Cruel words. Online threats. Exclusion. These are all forms of bullying, which can be devastating to a child’s, teen’s or adult’s mental health. Find out how to spot the signs of bullying and what we all can do to make a difference in this important video from Resources for Living.

If your child is a victim of bullying, let them know that it’s not their fault and that you are there to help. If your child is bullying others, set expectations and consequences to help guide them down a different path. Telemynd* can offer additional support with therapy and psychiatry for parents and children dealing with bullying.

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Teens, tweens and social media: the good, the bad and how to make the best of it

Social media has become a part of daily life for most Americans. It’s the same for teens and tweens. Up to 95% report using a social media platform, with almost a third saying they use social media “almost constantly”. 

While we’ve all read about cyberbullies and other online threats, social media can also give teens a sense of community, acceptance and belonging. This begs the question: Is social media good or bad for our teens?

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The good parts

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Connection

In a 2018 Pew survey, 81% of teens said that social media helped them stay connected to their friends. 69% felt it allowed them to interact with a more diverse group of people. 68% said they found people online who would support them through tough times.

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Self-expression and personal growth

Social media can help teens express themselves and teach them new skills. It exposes them to more perspectives and opinions. It makes sharing information easier. And it can provide teens with support from other people with whom they have hobbies or experiences in common.

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Support for mental health

Anxious teens may find connecting online easier than in-person meetings, alleviating their loneliness. Teens who belong to groups that often get marginalized may find their tribe using social media. Social media that’s humorous or distracting can help a stressed teen cope with a challenging day.

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Relationship-building

Some young people use social media to “build their brand” for social, school or business ventures. From reselling clothing or crafts on sites such as Depop or Etsy, to building a following for passion projects, such as car restoration, a social media presence can be a key tool for success.

The bad parts

Highly addictive

Because social media is designed to keep users coming back for more, it can be very addictive to the teenage brain. Adolescence is a period of significant brain development, making teenagers especially vulnerable to the built-in immediate gratification of shares, “likes,” comments and followers — especially since social media is always “on”.

In addition, emerging research suggests that short-form videos, such as those on TikTok and Instagram, are shortening attention spans. This can increase stress levels and interfere with school performance.

Sleep deprivation

According to the Centers for Disease Control, more than 70% of high schoolers don’t get enough sleep. Staying up late scrolling social media can contribute. Adolescents who don’t get enough sleep have a higher risk of obesity, diabetes, injuries, poor mental health and problems with attention and behavior.

Negative self-image and poor mental health

Social media is full of carefully crafted and filtered profiles. The perfect look and life of their favorite influencer can encourage teens and tweens to have unrealistic expectations. This can lead to body image concerns, eating disorders and poor self-esteem. 

Cyberbullying can be even more severe than in-person bullying. Abusive messages or images can be sent anonymously, shielding perpetrators from consequences. Plus, by posting pictures of themselves, teens may unwillingly open themselves up to vicious comments and unwanted shares. Teens may find it hard to escape this form of bullying  since rumors can spread farther, faster and be around for a long time.

In addition, the pressure to stay on top of the latest trends and opportunities can increase stress associated with FOMO (fear of missing out). Research has found that teens who spend more than three hours a day on social media face double the risk of experiencing symptoms of depression and anxiety. 

If your teen is struggling with any of these issues, Telemynd’s* expert therapists and psychiatrists offer help for sleep issues, cyberbullying, poor body image, ADHD, depression and anxiety.

Oversharing and regret

With the teenage brain, it’s common to make a choice before thinking it through. Teens might post something when they’re angry or upset and regret it later. Or share things that they’re not supposed to. This can be embarrassing and bring unwanted attention far beyond their close friend group.

5 ways to keep your teen in the good zone

So how can you try to ensure that your teen stays safe and has more positive experiences on social media? These 5 simple tips can help.

number 1

Talk about it

Check in with your teen about how social media’s working for them right now. Let them share their feelings about the time they spend on Instagram or Snapchat. Ask them what they find interesting and, if possible, suggest activities they could do to support that interest. If you’re concerned that your teens can’t control their social media use, talk about your concerns in a nonjudgmental way. Give your teens a chance to share their perspective on what they think could improve their experience.

number 2

Set a good example

It’s easy to jump on your phone to catch up on things when you get home from work. But remember, your behaviors are a model for your kids. When they’re talking to you, put your phone down. Make it a rule that everyone turns their phone off at mealtime. Be thoughtful about what you share on your own social media accounts and don’t post when you’re angry or upset. Show your kids that they control their social media use, it doesn’t control them.

number 3

Avoid toxicity

Discourage your teens from friending just anyone or engaging with people whose behavior is hurtful, demeaning or toxic. Rather than telling them who to connect with and who to avoid, share your own experiences with friends, both good and bad, to show that you can relate. Do your best to be non-judgmental and empathetic. And let your teens know they can always talk to you if they are worried about social media interactions that can be harmful to themselves or others.

number 4

Urge them to stay grounded

If your teens are seeing things on social media that make them feel like they don’t measure up, point out that not everything they see is real. The opposite is true, too — if they’re racking up likes for their social media persona, remind them that their real self is great, too. Either way, champion the idea of cultivating some screen-free time so they can stay in touch with who they are in real life.

number 5

Set boundaries

Remember, you know your kid best. If social media seems to make them feel worse, not better, about themselves, or you’re concerned about the amount of time they spend online, setting limits as a family could help. RethinkCare’s podcast Screen time, video games and social media can give you some ideas.  

If you or your tween or teen could benefit from some extra support navigating social media, ask for help. Start by learning more about the resources below.

Sources:
U.S. Department of Health and Human Services. Social media and youth mental health.
Mayo Clinic. Teens and social media: what’s the impact?
Centers for Disease Control. Sleep and health.

*Available only on the mainland.

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Explore your benefits

EXPLORE YOUR BENEFITS

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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Teach your child self-compassion by learning it yourself

Remember the first time your child said “mama” or “papa?” It was a thrilling moment for you. You helped by patiently repeating the word and pointing to yourself. Your child did their part by watching, listening intently and trying to mimic you.

In the first years of life, our children learn everything from language to how to catch a ball by watching and listening to us. As the years go by, they also learn from teachers, other kids, books, TV and social media. But when it comes to self-compassion, your child is taking almost all of their cues from you. Here’s how to help them take away the right lessons.

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What is self-compassion?

Whether it’s on the playground, at school, on the job or in our relationships, when we experience a setback, it’s common to respond in one of two ways. Either we become defensive and blame others, or we blame ourselves. Neither response is especially helpful.

Blaming others may lessen the sting of failure, but it comes at the expense of learning. Blaming ourselves, on the other hand, may feel deserved in the moment, but it can lead to an inaccurately gloomy view of our potential, which can undermine personal development.

What if instead we treated ourselves as we would a friend in a similar situation? More likely than not, we’d be kind, understanding and encouraging. Directing that type of response internally, toward ourselves, is known as self-compassion, and it’s been the focus of a good deal of research in recent years. Psychologists are discovering that self-compassion is useful in our personal growth and well-being.

Tips for teaching self-compassion

Children are masters of observation. They’ll pick up on — and repeat — both your words and your behavior. To that end, if you want your child to develop self-compassion, start modeling self-compassion, rather than self-criticism. Here’s how:

Acknowledge your feelings

It’s okay to not be okay! If you explain the context to your child — in an age-appropriate way — you show them how to discuss their feelings in a healthy way. Start by acknowledging they are experiencing an emotion. This simple act of acknowledgment, which may be as effortless as saying, “I can see that this upset you” can go a long way.

Give thanks

Positivity is a skill, and one way to build it up is through gratitude. Noting what you’re grateful for — even that first cup of coffee in the morning — nudges your brain to look for good things in other parts of your day. Sharing these observations aloud can teach your child to do the same.

Practice self-care

Self-care shouldn’t be a reward you can only earn once you finish all your to-dos. If you try to bring it to the top of the list, your child will learn to care for themselves, too. Ask yourself: What makes you feel like the best version of yourself? Perhaps it’s taking a few minutes for yourself each day to read a book or spend time outdoors. Do your best to prioritize those things.

Forgive yourself

Self-compassion is key to self-acceptance, so show your child how it’s done! Focus on progress over perfection. When things go awry — as they always do — point out how you’re doing the best you can and moving forward, instead of dwelling on what didn’t go according to plan.

Learn something new

When you take time to try out new experiences and learn new skills, you’re teaching your child the value of curiosity and a love of learning — not to mention how to be resilient. (You won’t succeed at everything, and that’s okay!) Make a list of new things you’d like to try, then have at it.

Build emotional awareness

Emotions are often held in the body. That’s why you get butterflies when you’re excited or sweaty palms before a meeting. Becoming aware of when and how your emotions show up can help you better understand them. Share these insights with your child, and you can work on identifying emotions together.

Troubleshoot

No one expects you to be positive all the time. (And thank goodness, because that sounds exhausting.) If you’re having a bad day, use it as a teaching moment to share your feelings with your child. Your child can learn by watching you get through it.

And as helpful as techniques like deep breathing and meditation can be, sometimes you need to address the stressor itself. Once you pinpoint the source of your chronic stress, think about what’s within your control to change. A trusted friend or therapist can help.

Remember this takeaway

Changing your mindset may be a challenge. (It’s so much easier to be hard on yourself!) But when you try to be self-compassionate, your child is more likely to be kind to themselves, as well.

Source: The Greater Good Science Center. Three simple ways for kids to grow their self compassion.

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Get expert parenting support

Raising a child is a rewarding, exhausting, joyous and, often, challenging experience. And in recent years, the challenges have become particularly difficult. From pandemic-related educational setbacks and social isolation, to bullying on social media, kids today are dealing with stressors their parents could have never imagined. In today’s world, social media can be fun for learning and games but, it’s always “on”. Not only does it open up risk for inappropriate content being shared, it opens your kids up for sharing information with strangers.

Whether your child is anxious about returning to school, struggling with a learning disability or dealing with a serious mental health condition, there’s good news. You don’t have to face these challenges alone. As a Costco employee, you can access expert care, resources and information — much of it at no cost to you — through your Costco benefits.

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Even when life is going smoothly, make sure you’re familiar with the benefits Costco provides for your family’s emotional well-being. Know where to turn when challenges arise and access a wide array of webinars, videos and articles designed to help you better manage the many challenges of parenting.

Check out these resources for parents and kids

Resources for Living logo

Resources For Living® (RFL®)*, your enhanced Employee Assistance Program (EAP), is the place to start when you or your child needs mental health support or help with everyday challenges. RFL offers you and the members of your household free, 24/7 access to mental health resources, for you, the members of your household and your dependent children up to age 26 living away from home.

Through RFL, you can also access Talkspace, confidential, on-demand chat therapy with a licensed therapist. Counseling sessions can be by phone, video or on-demand chat. You decide what works best for you. After your sixth no-cost session, you can keep using Talkspace under your medical plan, with a copay.

RFL also gives you access to:

  • Interactive self-care programs
  • A library of informative articles, podcasts and webinars
  • Help finding in-network providers who are accepting new patients
  • Referrals to community resources
  • Many work-life support services, such as help finding child care or legal services


Telemynd offers virtual access to therapists, psychologists and psychiatrists specializing in hundreds of conditions. They can evaluate, diagnose and provide therapy or psychiatric treatment for kids, teens and adults. Telemynd offers:

• Talk therapy
• Couples counseling
• Family therapy
• Psychiatry and medication management

Telemynd.com/costco | 877-403-9348 | Age 5+ | Copays apply


RethinkCare logo

RethinkCare gives you access to virtual consultations with parenting experts. It also includes online training courses to help you learn how to help your child set healthy boundaries, be optimistic, practice self-compassion and self-advocacy, set goals and solve problems, become more resilient, and more.

For more support raising happy, healthy kids:

  • Tune in to RethinkCare’s Behaviorally Speaking podcast for tips from parenting experts on topics like Emotional Intelligence, Resiliency and Growth Mindset, and Stress Management for kids and teens.
  • Help set your child up for success in the new year school by checking out this webinar about Helping Kids Strengthen their Social Skills, available on-demand to fit your busy schedule.
  • New! Your RethinkCare benefit now offers courses that focus on boosting your child’s executive functioning skills, including attention, focus, organization, time management and impulse control. These skills are critical to helping children grow up to be successful in school, work and relationships, improve their ability to solve problems, get along with others, make safe and healthy decisions, and more.  

This year, as your child returns to the classroom, remember that if challenges arise, your Costco benefits are there to support you. All you have to do is use them.

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Money 101: Kids’ edition

You teach your children about safety, physical health, good study and work habits, acceptable behavior, and more. You want to instill in them all the things they’ll need to function well once they leave the family nest.

So why not include lessons on how to earn and manage money? After all, it makes sense for everyone to learn to spend wisely, save and invest what they earn.

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The best way to start teaching your children about money is to show them how you handle it. As soon as your children are old enough to understand, include them in your family’s budgeting, planning and saving discussions. As a bonus, your kids will know what to expect in terms of what the family can afford. They’ll also learn how their own choices can help them get things they want.

Be a role model for your children

Make sure your own financial behavior is responsible. If they see you spending money on things you don’t need instead of paying your bills, they may grow up thinking that’s an acceptable way to handle finances. 

If you use credit cards, make sure your kids also see you checking your credit card statements and paying your bills on time. Show your children that those little plastic cards aren’t magical sources of free money. Let them see how much interest you pay, too.

Help them practice decision-making

Let your children manage their own funds. When they get old enough, help them open and maintain a bank account. Whether they earn an allowance or income from a part-time job, help your kids make good decisions with their funds. 

A lesson about saving on taxes

As every grown-up knows, taxes can be complicated. But it’s never too early to teach your children an important lesson: it pays to take advantage of the tax benefits you have.

For example, with a reimbursement account, administered by PayFlex®*, you can set aside pretax dollars and pay yourself back through a Health Care Reimbursement Account or a Dependent Care Assistance Plan.

The Health Care Reimbursement Account (HCRA) allows you to reimburse yourself for health care costs your medical plan doesn’t cover, such as out-of-pocket costs for medications and copays. The Dependent Care Assistance Plan (DCAP) lets you set aside pretax dollars to reimburse yourself for eligible child (under age 13) and elder care expenses necessary for you and your spouse to work, including child care and nursery/preschool costs.

Talk to your kids about how these accounts help your family save money on taxes. And remember to enroll in an HCRA or DCAP during Annual Enrollment.

*Available in Mainland and Hawaii.

Give your kids the tools to succeed

Encourage your children to save, and guide them in setting up a personal budget. Teach them how to compare prices before buying a pair of sunglasses, a skateboard or something else they want. Show them how much an investment account can grow over time by reviewing your retirement account’s growth together. That way, they can see the importance of saving even a small amount as soon as they start working as adults. 

If they make a money mistake, don’t be too quick to bail them out. Instead, help them learn from it so they’ll make a better decision next time. As they get older, you can even show them more details about your family’s finances. For example, you can explain how interest can add up when you don’t pay off your credit cards each month or why making dinner is easier on your budget than ordering take-out.

Your kids can learn from all sorts of activities, including:

  • Counting the coins in a piggy bank
  • Creating a budget on paper or online
  • Checking monthly statements for charges for apps and subscriptions
  • Buying a used car and shopping for insurance
  • Opening a savings account
  • Researching how to finance their education

You can find teachable moments just about every day. It’s never too early to start setting your children up for financial success. 

Source: Resources For Living. Teaching your kids about money.

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Self-care tips for moms

Parenting is hard work. And life can be even more hectic if you balance a career outside the home. With so much time devoted to your family and career, finding time for self-care is probably the first thing left out of a busy schedule. But the fact is, self-care is essential because of the important role you play in your family. Like all caregivers, you need to focus on your own well-being to stay resilient, engaged and refreshed. And it’s not just for yourself, it’s for the benefit of your family. If you’re tired, stressed-out and crabby, you simply can’t be as loving and effective a parent as you can when you take time for self-care.

So, what is self-care? It’s the practice of caring for your own health, well-being and happiness. Making time for yourself may feel indulgent, but that’s far from the truth. Even small acts of self-care or self-kindness can go a long way in decreasing feelings of exhaustion, burnout, stress and even depression that busy mothers often feel.

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Make self-care a part of your routine

Start by following these four simple tips:

number 1

Delegate and ask for help.

It’s hard to admit you may need help or can’t accomplish everything on your own. Some say it takes a village to care for a family, and they’re not wrong. Find your village and ask for help. Accept help when offered. And understand that things won’t be done exactly the way you do them — and that’s OK. Is perfection more important than your well-being? Of course not! Take the extra time to focus on yourself. You deserve it. And don’t be afraid to say no to commitments that don’t interest you or that you don’t have time for.

number 2

Stay organized.

Hang a planner, calendar or list of upcoming appointments and tasks in the kitchen and encourage everyone in the family to use it. Remind them that when responsibilities are shared, everyone’s load is lighter. By doing this, you can avoid stress from the unexpected, such as the school project your child needs help to complete the night before it’s due. Prioritize tasks to avoid becoming overwhelmed. Start by completing the most time-consuming or least interesting tasks to get them out of the way first.

number 3

Focus on basic, healthy lifestyle habits. 

Although, it may not always be possible, aim for seven to eight hours of sleep each night. Try for some daily physical activity each day, aiming for 30-minutes a day. Eat a healthy diet of lean meats, low-fat dairy, fruits, vegetables and whole grains. Avoid sugary drinks, alcohol and high-fat foods. Drink six to eight cups of water daily.

number 4

Add “me time” to your schedule.

For example, schedule a fitness class, lunch with a friend or coffee with a good book. Once the date is scheduled, try your best to keep it just as you would any other appointment.

The most important components of self-care are to be realistic and purposeful. If your schedule is hectic and chaotic, it may not be realistic to expect hours a week to focus on self-care activities. So start small with attainable expectations. For example, take 10 minutes a day to focus on you. Whether it’s enjoying a quiet moment reading a book, or having a relaxing cup of tea, it may be all you need to reset and return to your schedule.

A mom’s health and well-being affect the entire family. By incorporating self-care into your regular routine, you’ll become an even more amazing caregiver. You’ve got this, mom!

Source: Mayo Clinic Health System. Self-care tips for moms.