Skip to main content

The Vox guide to using your benefits

Understanding your health insurance benefits can seem like an impossible puzzle. Here’s your guide to getting the most out of them.

Americans are ditching traditional health care for something cheaper — and riskierAmericans are ditching traditional health care for something cheaper — and riskier
The Vox guide to using your benefits

An obscure health insurance alternative is seeing tremendous growth. But there’s a catch.

By Dylan Scott
Does my health insurance cover therapy?Does my health insurance cover therapy?
The Vox guide to using your benefits

How to decode your mental heath benefits.

By Keren Landman, MD
Never pay a medical bill without asking these questions firstNever pay a medical bill without asking these questions first
The Vox guide to using your benefits

If you think you’re being overcharged on medical bills, you probably are.

By Allie Volpe
Americans are ditching traditional health care for something cheaper — and riskier
The Vox guide to using your benefits

An obscure health insurance alternative is seeing tremendous growth. But there’s a catch.

By Dylan Scott
Does my health insurance cover therapy?
The Vox guide to using your benefits

How to decode your mental heath benefits.

By Keren Landman, MD
Never pay a medical bill without asking these questions first
The Vox guide to using your benefits

If you think you’re being overcharged on medical bills, you probably are.

By Allie Volpe

Sometimes, it seems as if navigating health insurance benefits requires its own language (and maybe an actuarial degree to boot). The questions are endless: Is it better to have a high premium and a low deductible, or the other way around? How are you supposed to guess how much money to put in a flexible spending account? Please remind me, what is “coinsurance” again? And perhaps the biggest question of all: Why is all of this so complicated?

If you are one of the approximately 65 percent of Americans with private health insurance, it’s essential to actually understand how your benefits work and how to get the most use out of them. We’re here to help. We hope these stories allow you to make the best decisions for you and your health with just a little bit less stress in the new year.

Editorial Lead: Libby Nelson | Editors: Meredith Haggerty, Alanna Okun | Reporters: Dylan Scott, Emily Stewart, Allie Volpe | Style & Standards: Tanya Pai, Caity PenzeyMoog, Kim Eggleston, Elizabeth Crane, Sarah Schweppe, Anouck Dussaud | Art Director: Paige Vickers | Illustrator: Sebastian König | Audio: A. Hall, Jonquilyn Hill, Sofi LaLonde | Audience Lead: Shira Tarlo | Managing Editors: Natalie Jennings, Nisha Chittal | Special Thanks: Blair Hickman, Andrew Losowsky, Sam Hankins, Amani Orr

Everything in The Vox guide to using your benefits

We can fix the goofy way we pay for vision care in the US

My eyes are part of my body. Why do I have separate vision benefits?

By Dylan Scott
The subtle privatization of Medicare

More than half of seniors will sign up for a private version of Medicare this open enrollment. What happened?

By Dylan Scott
Dental insurance isn’t a scam — but it’s also not insurance

How we pay for going to the dentist is supremely screwed up.

By Emily Stewart
Fixing open enrollment starts with staying mad about it

Once a year, the absurdities of our health care system are laid bare for everyone to see.

By Dylan Scott
Who thought flexible spending accounts were a good idea?

The most befuddling tax break in the US health care system, explained.

By Dylan Scott
Why the US is the only country that ties your health insurance to your job

Nobody would build a system like America’s on purpose.

By Dylan Scott