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How to save on childcare

A growing family means changing childcare needs. Your benefits can help support you and your family through all of life’s stages. Learn more about maternity programs in the May WITT content and the Women’s Health Guide.

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Where to get help saving time and money

Finding childcare that fits your schedule and budget can be exhausting. Worklife through Resources for Living® can help make researching childcare options less overwhelming. And you can find discounts on childcare through LifeMart.*


You can also save with Inspira Financial.** Set aside pretax dollars for a Dependent Care Assistance Plan (DCAP). This helps you pay less in taxes overall. It can be used for both qualified child and elder care expenses. This includes daycare, in-home care and some summer camp expenses.


And if things change (such as the price of daycare) you may have the option to update how much you put into your DCAP. Keep in mind that a DCAP isn’t for dependent health care expenses. To save on those, you’d use an HCRA (Health Care Reimbursement Account). An example of this type of expense would be braces. Sign up during annual enrollment in November and start saving.

*Childcare discounts aren’t available in Puerto Rico.
**Inspira Financial isn’t available in Puerto Rico.

Thinking about adoption?

Your Costco plan offers up to $5,000 in adoption assistance per child (with a maximum of two adoptions). You can request reimbursement for certain out-of-pocket expenses, such as attorney fees, transportation and lodging. Visit Costcobenefits.com to learn more or apply for reimbursement within 180 days of adoption.

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Video: 2025 Benefits changes

VIDEO: 2025 BENEFITS CHANGES

The hot list: Benefits changes for 2025

Want to know what’s coming in 2025? Watch this new video so you can learn about the new and enhanced benefits arriving soon.

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Discover new and updated benefits available January 1, 2025

Aetna ID card update*

To ensure that you and your family members enrolled in the Aetna medical plan have access to a primary care physician (PCP), a PCP will be assigned to you and your enrolled family members on your Aetna® ID card. Their phone number will be provided so you can call to schedule your preventive care or a new patient appointment. If you already have a PCP you’ve seen in the last two years, that provider will be the name on your card  

  • If you see a nurse practitioner or physician’s assistant, their supervising physician will be the name on your card 
  • You are not required to see the assigned PCP and can change the PCP on your card at any time 
  • There are no changes to your medical plan — this is not an HMO, so you don’t need to get a referral from a PCP to see a specialist 
  • Contact your Aetna Health Concierge at 800-814-3543 (TTY: 711) if you have questions or you’d like to change the PCP on your card 

Dental incentive*

  • Earn a $50 credit toward your annual medical deductible or coinsurance when you get at least one annual dental cleaning 
  • Available for you and each dependent enrolled in Aetna Medical and Dental® plans  

Maternity incentive*

  • Earn up to a $400 credit toward your annual medical deductible or coinsurance for you or your spouse or domestic partner when you enroll and engage in the Aetna Maternity Program during and after your pregnancy 
  • The earlier in your pregnancy you enroll, the more you can earn 
  • Visit Aetna.com/Maternity or call 855-282-6344 (TTY: 711) to learn more and enroll

Chiropractic visits*

  • You’ll have coverage for up to 30 chiropractic visits per year  
  • You no longer need to meet your deductible or coinsurance for visits
  • Your plan’s PCP copay applies
  • Available for you and your dependents enrolled in an Aetna Medical plan

No-cost visits to 98point6®** 

  • Text-based visits to board certified doctors for a $0 copay
  • Available to you and your dependents age 1+ enrolled in a Costco medical plan  
  • Get visit-ready by registering at 98point6.com/Costco or on the 98point6 app 

FitMyFoot 

  • All employees and their family members can get custom foot insoles for $80 per pair to help with foot, knee or back pain
    • Download the FitMyFoot app to scan your feet 
    • Then visit FitMyFoot.com/CostcoEmployee to place your order
    • Custom foot insoles are shipped to your home address
  • For employees and dependents enrolled in an Aetna medical plan, up to three pairs of insoles per year are covered. Deductible and coinsurance apply.

Alma  

  • Effective January 1, 2025, you’ll have expanded access to mental health providers and a new way to search for a therapist online through Resources for Living (RFL). Alma, available through the RFL website, allows you to search for providers who are in the network and accepting new patients. Also, with Alma, you:
    • Can schedule a consultation with the provider of your choice
    • Receive automatic authorization for 6 free therapy sessions per issue per year for you, all your household members and dependent children up to age 26
    • Filter your provider search based on personal preferences
    • Can view a provider’s profile before requesting a consultation
    • On average, have your first therapy session within 5 days
    • Have access to providers that offer both virtual and in-person support

Well-being coaching

  • You can also talk with an RFL Well-being coach for free and confidential coaching sessions to help with your personal goals, such as:
    • Developing better eating habits
    • Learning better time management
    • Stepping out of your comfort zone
  • Visit RFL.com/Costco or call 833-721-2320 (TTY:711) to learn more

WeightWatchers

  • Your monthly rates are now even lower! $9 for you and $14.50 for your spouse or domestic partner and dependents 18+ 
  • Visit WW.com/Costco or call 866-204-2885 to learn more 

LifeMart

  • Discounts on gym memberships, virtual fitness and childcare** programs 
  • Click here to access your employee savings 

Sleepio

  • A no-cost, online sleep improvement program
  • Clinically proven to help you clear your mind, get better sleep and have better days in just 6 weeks
  • Available to you and your dependents 18+ enrolled in a Costco medical plan
  • To get started:
    • Visit Sleepio.bighealth.com/Costco and complete the coverage check
    • Click the link in the confirmation email you receive to download the Sleepio app and create your account
    • Complete the baseline sleep quiz and start seeing the benefits of Sleepio

Cylinder** Available now!

  • Expert help and support for gut health and digestive issues, no diagnosis needed
  • Available at no cost for you and your dependents 18+ enrolled in a Costco medical plan 
  • Get started at Go.CylinderHealth.com/Costco (access code: Costco) or call 8882465019

Dependent basic life insurance

  • Your dependents enrolled in a Costco medical plan automatically receive basic life insurance with Unum at no cost to you.
  • Coverage increases from $1,500 to $3,000 for each enrolled dependent

New programs and services are available January 1, 2025. Visit Costcobenefits.com to learn more.

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

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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.