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Benefits 101 / Employee guide library

Clear answers for everyday benefits questions.

Start with the question on your mind. Understand the costs, use your coverage, and find a next step when something changes.

Find a guide Resources for employers ↓

A good place to start

An EOB is not a bill.
Here’s how to read it.

Follow an annotated example from the provider’s charge to the plan’s payment and your share.

See the EOB example

Example only / In-network covered care

Provider charged$1,000
Plan’s allowed amount$600
Plan pays$420
Your share before prior payments$180

What would you like to understand?

Nine employee guides. Choose a topic and read at your own pace.

Understand the costs

Deductibles, copays & coinsurance See how you and your plan share covered costs.HSA, FSA & HRA Compare how these accounts are funded and used.Benefits glossary Look up a term in your plan materials.

Use your coverage

In-network vs. out-of-network Check provider participation before you schedule.Preventive care Understand when a covered service may have no cost sharing.Telehealth Check how virtual visits work with your plan.

Bills, claims & life changes

Read an Explanation of Benefits Match the claim details to your provider’s bill.When a claim is denied Find the reason and your options for a review.Changing benefits during the year Learn which events may open an enrollment window.

These guides explain common situations. Your plan documents, insurer, or benefits administrator can confirm the rules that apply to you.

For owners and HR teams

Help your team find clear answers.

Planning tools for the people communicating benefits.

Plan open enrollment communications →Organize the message, timing, and action employees need to take.Make benefits emails easier to act on →Put the decision and deadline where employees can find them.Build a new-hire benefits checklist →Connect eligibility, plan materials, and enrollment steps.

Explore employee education for your workplace →

Related resources

Keep exploring

Employee benefits quick guide

A printable reference to plan costs, EOBs, enrollment and questions to ask.

Download PDF →

Education for your team

Connect the reading with a group session or individual benefits conversation.

Explore employee education →

More free resources

Employer guides, comparison worksheets and census tools.

Browse the library →