It’s easy to fall into the trap of thinking everyone but you has their money figured out. But the truth is, 72% of Americans report feeling stressed about money within the last month.
Topics like budgeting, investing, interest rates and managing debt aren’t always taught in homes or schools. And that can leave many adults feeling overwhelmed by their finances.
It’s ok to talk about it. And you should. If you share expenses with a spouse or partner, talk to them. Getting on the same page is important. But you can only do that if you have clear, open communication about your financial goals.
Talk with a trusted friend or family member. Once you start getting more comfortable having money conversations with the people in your life, not only will it shed light on your own milestone moments, but it will also help you understand how the people close to you view money and make decisions.
And be sure to ask for help when you need it. Support is available from these helpful resources:
Struggling to make ends meet? Get connected with local community resources through Worklife, made available by Resources for Living®(RFL). They can connect you with resources for rent, water and electricity, food and more. Social workers are also available to help support you and your family.
Stressed and overwhelmed? RFL offers 6 free counseling sessions per issue per year for you and your household members. Dependent children living away from home can use RFL up to age 26. To connect with support, call 833-721-2320(TTY:711) or visit RFL.com/Costco.
Need help taking the first step out of a rough financial situation? SmartDollar offers budgeting tools and free one-on-one financial coaching. They can help you figure out a financial plan that meets your needs, such as tackling debt, repairing credit or saving an emergency fund. To get started, visit SmartDollar.com/enroll/costco or text Costco to 33789* to download the app.
Learn more about the importance of talking about money with SmartDollar.
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.
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.
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
NEWMaternity 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
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
If you’re enrolled in the HMSA medical plan, you have free access to the HMSA Pregnancy and Postpartum SupportProgram. 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
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.
When a life is in danger, there’s no question that the emergency room (ER) is the place to go. But there are plenty of times when you just need quick care for something that’s not life-threatening. And sometimes it’s hard to know the difference. Get help knowing where to go for care when you need it from your Costco benefits.
The difference in time and money spent between going to the ER versus seeking care with other options can be dramatic. The average wait time for an ER visit can be 3 or more hours. Additionally, ER visits require: $150 copay + your deductible to be satisfied ($250-$550) + your coinsurance (10-20%). You have more convenient – and lower cost – options for care. Get to know your options, and keep them in your contacts for when you need care in a hurry.
When it’s a true emergency, call 911 or go to the nearest emergency room. True emergencies are always covered under your plan, even if the ER is out of network.
When you need non-emergency care, you have more convenient options. To find in-network primary care providers, urgent care centers and walk-in clinics, visit Costcobenefits.com and click “Find a Doctor” under Health & Wellness. Or call your Aetna Health Concierge* at 800-814-3543 (TTY: 711).
Not sure if it’s an emergency? To talk with a nurse any time, call the 24-Hour Nurse Line* at 800-556-1555 (TTY: 711). You can also try 98point6®**text-based care, 24/7, at home or on the go. Visit 98point6/Costco** or download the app so you’re ready when you need care.
What’s most important to Costco as a company? The health and wellness of our employees and their families. That’s why we provide benefits to help with almost any challenge. But with all the benefits available to you and your family, it can feel like a lot to learn.
We’re here to help! Take the 2025 We’re in This Together (WITT) pledge, along with your spouse or domestic partner, to sign up for emails and texts from Costco Benefits. It’s the best way to discover, understand and use your benefits to feel better.
After you pledge, you’ll have an opportunity to tell us what you value about your benefits in a short survey.
Your Costco benefits offer support for your physical, emotional, financial and, new this year, social well-being. When you’re physically, emotionally and financially healthy, you’ll experience the positive impact on your social well-being.
To see some of the ways your Costco benefits can help you feel better, choose a well-being pillar from the drop-down list below.
To find website links, phone numbers, costs (no cost or low cost), age requirements and whether enrollment in a Costco medical plan is required for each listed benefit, turn to your 2025Benefits Guide, your one-stop shop for all things benefits.
Physical well-being
Do you…
Try…
…need help finding a primary care physician (PCP)?
The PCP listed on your Aetna ID card. You can change it at any time.
A Live Healthy Team** registered dietitian who can help you develop a meal and nutrition plan
Emotional well-being
Do you…
Try…
…need to find the right therapist for you and your famiy?
Resources for Living offers multiple options for finding a therapist, including the new Alma search tool with unlimited free 15-minute consultations. Access six free counseling sessions per person, per issue, per year.
Life involves making choices about what you do and how you do it. This affects the work you do, how you relate to others and your plans for the future. That’s why it’s important to know your “why” — the motivation, cause or belief that drives you toward your goals.
Studies have shown that when you discover your why, you can improve all aspects of your well-being. You may feel more physically, emotionally and financially healthy, resulting in better relationships and stronger social well-being. In fact, people with a clear why, or sense of purpose, tend to exercise more1, sleep better, have less stress and report greater relationship satisfaction2.
Not only can your why help improve your life, it can also improve the lives of others. Your why keeps you going when things get tough. It can help you be a more supportive coworker, a more caring provider for your family and a more engaged citizen in your community. Your why touches every corner of your life and, by extension, every person in it.
Finding your why
It’s often easier to identify your why with some help. Get guidance and support with six free counseling sessions from Resources for Living(RFL). Call RFL and work with a Care Partner to find a therapist that fits your needs, or use the new Alma online search tool to explore an expanded network of therapists. Browse the availability of therapists accepting new patients and filter by your preferences, including in-person or virtual, language or ethnicity, specialties and more. You can also use Alma to schedule as many free 15-minute consultations as you need to find the therapist that’s right for you.
3 steps to your why
Whether working with a therapist or on your own, these suggestions may help you get closer to defining your why.
Ask yourself questions to find your why.
Here are some examples to get you started:
What are your passions or core values?
Who do you want to help most in life?
What impact do you want to leave on the world?
What problem do you want to solve for?
Be kind to yourself.
Don’t judge your answers, no matter what. The kinder you are to yourself, the more honest you can be about what matters to you.
Write it down.
As you hone your why, write a short, simple statement that sums it up. It can be larger in scope or smaller and more focused. Feel free to write as many statements as you need to until one feels right. You can use this format to help you focus on what’s important: “To ____ so that ____”
Here are some examples to get you started:
To prioritize my family so that they can be healthy, happy and comfortable
To seek new experiences so that I make the most of every moment
To pursue my art so that I bring beauty and inspiration to others
To serve my community so that I can make a difference in people’s lives
To stay positive so that I can be a source of hope for others
You might find that your why becomes clear right away, or you might not. Discovering and living out your why is a life-long pursuit and it can change along the way. But knowing your why is worth the effort in its positive effect on your health, happiness and sense of belonging.
Sources: Psychology Today. Ten powerful benefits of living with purpose. LinkedIn.Knowing your why is the secret to success. Masterclass.What is your why? 7 tips to finding your purpose.
Are you suffering from chronic pain? Do you feel too tired to get things done? Is not being as efficient as you like getting you down?
Chronic pain can be a stubborn and complex condition to treat, since it can create problems beyond the obvious physical discomfort. Your Costco benefits offer a variety of programs to help you manage chronic pain (and the stress that can come with it) and get back to living your life.
According to the National Institutes of Health, 25.3 million U.S. adults live with chronic pain (pain that lasts three months or longer).1 This persistent pain can result from an injury, illness, infection or medical condition such as arthritis or migraine headaches. It can range from an annoyance to a source of severe suffering.
Chronic pain and fatigue
When chronic pain persists, the discomfort can make it difficult to get restorative sleep. Pain can trigger feelings of sadness and despair, which can make getting a good night’s sleep even harder. At the same time, a lack of quality sleep can decrease your pain tolerance and intensify your experience of pain.
Chronic pain and depression
Chronic pain can make it difficult to exercise, socialize, work and enjoy even the simplest things in life. Thoughts about the pain and reduced physical activity can lead to feelings of sadness and loss.
The stress of putting all your efforts into managing your pain while still trying to keep up with life’s demands can be stressful and deepen feelings of depression. It’s a common predicament — between one-third and three-quarters of people with chronic pain experience moderate to severe depression.
4 ways to manage the mental health effects of chronic pain
No matter the location, source or intensity of the pain, if left untreated, it’s likely to affect your ability to live a healthy, happy life. Here are some approaches you can take to reduce the fatigue and depression from chronic pain.
Get counseling.
Therapy can help you identify and change the negative thoughts and feelings that can make pain worse. Start with a program tailored to your specific needs through AbleTo*. These no-cost eight-week programs provide one-on-one therapy, coaching and digital exercises to help you deal with the anger, frustration, depression and anxiety that can come with chronic pain.
Participate in physical therapy.
A physical therapist will work with you to identify areas of weakness or stiffness that may be adding to the pain and treat those areas with targeted exercises. Take advantage of free virtual physical therapy through Omada for Joint & Muscle Health and work one-on-one with a licensed physical therapist in the comfort of your home to get the help you need.
Try meditation.
Studies show that meditation can lessen pain and stress by retraining the brain to better deal with pain. Keep it simple to start out — just allow yourself to focus on the present moment, letting go of any judgement. For help, turn to Resources for Living and their library of videos and podcasts that can get you started with a meditation practice.
Cut back on unhealthy substances.
Alcohol can make sleep problems worse and increase depressive symptoms. Smoking restricts blood flow, which prevents healing. If you have chronic pain, drink less or no alcohol. Work with the Costco Tobacco Cessation Program to help you quit nicotine products for good.
These strategies can help ease your pain, promote relaxation and improve your outlook. Check out the resources below to get started.
Sources: AbleTo.Why chronic pain causes fatigue and depression. Mayo Clinic Health System. Pathways through persistent pain: tips for managing chronic pain. Healthline. Meditating for chronic pain management.
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?
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.
The loss of a parent or loved one can be one of the most difficult events in a person’s life. The months leading up to their death, and the grief that follows, can be extremely painful, no matter what your relationship with your loved one has been. Your Costco benefits can help with support and guidance throughout this challenging time.
When your family member has a serious illness, they may talk with their doctor about what direction they want their treatment to take. They often can’t have these conversations as they get more ill and may need you to make healthcare decisions for them.
Resources for Living’s legal services can help you and your family member set up a healthcare proxy so that you can legally make decisions about their treatment on their behalf. Your family member may also want to talk to their doctor about a do-not-resuscitate order (DNR) if they don’t want CPR attempted if their heart stops beating or their breathing stops.
Treatment options to consider include palliative care or hospice care. These are explained below.
Palliative care can transfer to hospice care if the medical team believes treatment is no longer helping and the person is likely to die within six months. Alternately, hospice care can be stopped if the person wants to restart medical treatment or if they get better unexpectedly.
Grieving the loss of loved one
There is no one way to feel when a parent or loved one dies. In fact, most people rarely experience one emotion — one moment, you might be flooded with sadness, then the next moment, feel anger or anxiety. It’s also normal to feel relief that your loved one is no longer suffering or that the grueling caregiving is over. Every emotion is valid.
Understand that grief has no timeline. Resist the idea that there are certain stages you need to go through. Be patient, allow yourself to feel all your feelings and try the following strategies to find some peace.
5 strategies to cope with grief
Lean on others
Find one or two trusted friends or family members who you can call whenever you’re struggling. To feel less alone, join a support group for people who have lost a parent. Resources for Living’s care partners can guide you to resources in your area. You can also find peer support with Supportiv, a program that connects you via anonymous small group chats with people struggling with the same things you are.
Find time for exercise
Take a daily walk to keep your energy up and release feel-good endorphins. Studies show that physical activity can help people who are grieving feel less depressed and anxious.
Reconnect through stories and activities
Talk to family about what your family member meant to you and look at old photos to bring back happy memories. Engage in activities they loved, such as cooking their favorite meal, as another way to connect.
Do something in their memory
Honor your loved one by planting a tree, running a race in their name, or donating to or volunteering at their favorite charity. These actions can raise your spirits and give you a sense of comfort.
Try therapy
A therapist can help you process your grief. Therapy is also a safe space to work through any difficulties you had with your loved one, find forgiveness and achieve a level of closure. Get started with six yearly free counseling sessions via in-person, televideo or chat through Resources for Living. You can also try an eight-week online program to help process grief through AbleTo.
Grieving is normal, natural and different for everyone. Be kind to yourself and take the time you need to work through your loss. And remember, help is available. Turn to the resources below to get the support you need.
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.
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-SorHMSAto 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 Financialis 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.
Physical well-being 
Emotional well-being 
Financial well-being 
