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Cylinder: Hear from Costco employees

How often have you heard “you are what you eat”? That’s because what you eat has such a big impact on your physical and mental health. Listen to these Costco employees as they share their experience with Cylinder*, the new free digestive health program. 

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Cylinder is available now

Order your free gut microbiome health test with Cylinder, your free digestive health program. Learn about the good and bad bacteria in your gut, then connect with a registered dietitian and health coach to identify triggers that cause gut issues to help relieve your symptoms.

888-246-5019 | Go.CylinderHealth.com/Costco | Access code: Costco | Age 18+

*Cylinder is not available in Puerto Rico.

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The science of gratitude

Gratitude may be the best-kept secret to reduce stress and help you feel better. Its benefits include improved physical health, higher self-esteem, better sleep and stronger social connections. And it doesn’t take a lot of work. Here are a few ways you can get started on a gratitude practice today.

  • Write down one thing you’re thankful for each day
  • Say thank you or write a thank you note
  • Visualize people, pets and things you’re grateful for
  • Take a “gratitude walk” and appreciate the space around you

Check out this 2-minute video to learn more about the science behind gratitude and how you can get more into your life. You can also check out the digital resources available from Resources for Living and AbleTo* to improve your emotional health.

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*Not available in Puerto Rico.

Sources:
Centers for Disease Control and Prevention. Gratitude works.
Tremendousness. What is the science behind gratitude?
Resources for Living. Practicing gratitude — why it helps and how to do it

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Video: 2025 Annual Enrollment

VIDEO: 2025 ANNUAL ENROLLMENT

The Annual Enrollment process has changed
November 1–26, 2024 

This video provides a quick tutorial on how to complete your 2025 Annual Enrollment. We’ve changed the Dependent Verification requirement, so watch this 4-minute video to learn the new process.

You must verify your spouse or domestic partner to continue their coverage. Coverage will automatically continue for your eligible children.

You can also check out these short videos on reimbursement accounts and the 2025 benefits changes.

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Use this Annual Enrollment checklist to stay on track

Take action by November 26, 2024, to confirm elections or make any changes. You can sign up for text reminders on the Enrollment Website located on Costcobenefits.com.

  1. Read the enrollment instructions and the 2025 Benefits Plan Changes booklet that came in your 2025 Annual Enrollment kit. The kit should have arrived by mail in late October. You can also review this information online at Costcobenefits.com.
  2. Complete the Dependent Verification process to continue coverage for your spouse or domestic partner. If you don’t complete this step, coverage for your spouse or domestic partner will end on December 31, 2024.
  3. Review your enrolled children and remove any children that are no longer eligible. Coverage will automatically continue for children still eligible. Find eligibility details on Costcobenefits.com. If you add any family members to the plan, you must submit required documentation by November 30, 2024.  
  4. Enroll or re-enroll in one or both reimbursement accounts*, the Health Care Reimbursement Account (HCRA) or Dependent Care Assistance Plan (DCAP), if you want to participate in 2025. 
  5. Designate a beneficiary for both life and AD&D insurance on the Enrollment Website and for your retirement plan at RPS.TRowePrice.com.

*Not available in Puerto Rico.

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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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Video: 2025 Reimbursement accounts

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VIDEO: 2025 REIMBURSEMENT ACCOUNTS

Save money on taxes with reimbursement accounts

Available to Mainland and Hawaii only

Wouldn’t it be nice to save money on your annual taxes while paying for things you need, such as medications and childcare? That’s the benefit of reimbursement accounts.

When you enroll in Costco reimbursement accounts during Annual Enrollment, you can put aside pretax dollars to reimburse yourself for eligible expenses throughout the year.

Health Care Reimbursement Account (HCRA) – For eligible health care expenses.

Dependent Care Assistance Plan (DCAP) – For eligible dependent care expenses.

Watch the video below for a quick overview of your reimbursement account options, administered by Inspira Financial.

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Frequently asked questions about reimbursement accounts

How does a reimbursement account work?

When you enroll in an HCRA or DCAP, you choose how much to contribute by thinking about how much you’ll need to cover your expenses. If you have a reimbursement account for 2024, you should also consider the amount you may roll over from 2024 to 2025. The money is automatically taken out of your paycheck and deposited into your reimbursement account before payroll taxes are calculated. You can fund these accounts up to the annual limit set by the IRS.

When do I enroll in an HCRA and DCAP?

HCRA

If you want to enroll or re-enroll in an HCRA for 2025, you must make your elections during Annual Enrollment, November 1 – 26. If you enrolled in a HCRA for 2024, you need to re-enroll for 2025 to participate. You can only enroll in an HCRA during Annual Enrollment.

DCAP

Enroll or re-enroll in a DCAP for 2025 during Annual Enrollment, November 1 – 26. You can enroll, change or stop your DCAP election at any time during the year if there is a qualifying change in your dependent care needs. If you enrolled in a DCAP for 2024, you need to re-enroll for 2025 to participate.

What expenses do reimbursement accounts cover?

HCRA

You can use your HRCA for eligible health care expenses for you, your spouse and eligible dependents. These include items that are not covered by your medical plan, such as your copays, deductibles and coinsurance, as well as other health care items and services, such as prescriptions and dental and vision expenses. 

See a complete list of eligible health care expenses. 

DCAP

Your DCAP can be used for eligible dependent care expenses necessary for you and your spouse to work. Funds can be used to pay for childcare for your dependents age 12 and under, or to care for another family member incapable of self-care such as a spouse, a child age 13+ or a parent. Expense examples include day care, after-school care and in-home care.  

See a complete list of eligible dependent care expenses. 

Note: The DCAP cannot be used for dependent care health care expenses 

How do I pay for items and services with my reimbursement accounts?

HCRA

You have a few different ways to access your HCRA. The default reimbursement method for the HCRA is autopay. This feature automatically pays your portion of medical and dental claims, such as copays, directly from your account. If you plan to use your funds for something specific, such as braces, you can turn off autopay at the start of the year on the Inspira website or app. You’ll also receive the Inspira Card® — the HCRA debit card — to use for eligible expenses at the Costco Optical Department, Costco Hearing Aid Center or any pharmacy. If needed, you can pay upfront for an eligible item or service and submit a claim for reimbursement. 

DCAP

To use your DCAP, you need to pay upfront for your eligible dependent care or service, then submit a receipt and a claim form to get reimbursed from your account. You can submit claims on the website or app.

How much can I contribute to my reimbursement accounts?

HCRA

You can contribute $120-$3,300 per year to your HCRA account. This funding limit is set each year by the IRS. You can access the full amount of your annual HCRA election on January 1, 2025.

DCAP

You can contribute up to $5,000 per year to your DCAP account, or $2,500 if married and filing separately. Access is limited to the current money in your account. You can get reimbursed up to the amount of your year-to-date contributions, not the entire annual amount selected.

What happens if I have funds left over at the end of the year?

HCRA

Only a small portion of your HCRA balance can roll over to the next plan year. If you are enrolled in an HCRA for 2024, your rollover amount to use in 2025 is $640. This amount is determined each year by the IRS. You forfeit any balance over the rollover limit that remains in your account after the claim filing deadline of April 30, 2025.

DCAP

The DCAP offers a grace period, where funds from the previous year can still be accessed. You can use the funds you contributed to the DCAP for 2024 for any eligible services through March 15, 2025. Claims can be submitted until April 30, 2025. Any funds remaining after the deadline will be forfeited.

Visit the Enrollment Website on Costcobenefits.com to make your reimbursement account elections during Annual Enrollment. For more information, see the resources below.

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Mood-boosting ideas for World Mental Health Day

Sometimes, it’s hard to smile, especially if you’re feeling sick, tired or blue. But research shows that the physical act of smiling — and the release of feel-good chemicals it generates — can do your body good. It can lift your mood, lower stress, strengthen your immune system and possibly help you live longer.  

In honor of World Mental Health Day on October 10, we invite you to put a smile on your face (even if it’s hard) and take charge of your emotional fitness. For starters, try a technique to help you let go of anxious thoughts, described in the short video below from AbleTo*.  

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Check out the resource below to build up your emotional well-being and feel more happiness, peace and empowerment. 

*Not available in Puerto Rico.

Sources:
NBCnews.com. Smiling can trick your brain into happiness — and boost your health.
AbleTo. Shape up your self-care routine.

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Video: Warning signs of suicide 

Suicide affects people of all ages. It’s the second leading cause of death for children ages 10 – 14 and for adults ages 20 – 34, and among the top 9 leading causes of death for all people up to age 64.1

Suicide Prevention Month, happening this September, is a time to acknowledge the pain and suffering of those struggling with suicidal thoughts and the impact on their families, friends and communities. It’s also a time of hope. Suicide can often be prevented. Knowing the warning signs for suicide, and how to get help, can save lives.

Please take time to watch the video below from Resources for Living. You’ll learn what thoughts, feelings and behavioral changes may signify that someone is thinking about suicide.  

If these warning signs apply to you or anyone you know, get help as soon as possible by calling or texting the Suicide & Crisis Lifeline at 988.

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1Centers for Disease Control and Prevention. Facts about suicide.

Sources:
Resources for Living. Video: Warning signs of suicide.
National Institute of Mental Health. Warning signs of suicide.

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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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LEARN MORE

Video: Treatment options for substance use disorder

Substance use disorders are treatable, chronic diseases. Recovery is possible and there are many safe and effective treatment options. This 3-minute video from Resources for Living shares what inpatient and outpatient treatment can look like to help those who are struggling decide what path is right for them.

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Sources:
Resources for Living. Substance use disorder: treatment options
Centers for Disease Control and Prevention. Substance Use & Substance Use Disorders

Your Costco benefits offer help for employees and their family members who are battling addiction. To learn more, see the resources below.

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Get the facts

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GET THE FACTS

Video: Menopause support

You may already know that menopause is a normal, natural part of aging for women that typically occurs between the ages of 45 and 55. But did you know that symptoms can start when a woman is in her 30s? Perimenopause, the stage before menopause, can last a decade or more. Many of the symptoms are physical, such as hot flashes, sleep issues, hair loss or weight gain. But emotional symptoms are common too, such as difficulty concentrating, mood changes, anxiety and even depression.

Learn a bit about what to expect with this short video What is menopause? Then check out your Costco benefits for support throughout your menopause journey.  

If you’re enrolled in an Aetna® medical plan, you can access virtual menopause care through Gennev.* And for pelvic pain, strengthening the pelvic floor or other pelvic health issues, get relief with virtual physical therapy through Omada Pelvic Health, offered to employees and dependents enrolled in a Costco medical plan.

Don’t miss the Resources for Living Here4U® perimenopause/menopause virtual peer support group. Led by a licensed clinician, these sessions are an opportunity to listen in, ask questions and connect with other women going through this experience.

Tuesday, May 21, 10 a.m. PT
Register here

Thursday, May 23, 3 p.m. PT
Register here

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*Available on the mainland only. 

Sources:
National Institute on Aging. What is menopause?