Yount Insurance Planning

07/17/2026

07/16/2026

Understand Your Out-of-Pocket Maximum: Your out-of-pocket maximum is the most you'll pay for covered healthcare services during your plan year. Once you reach that limit, your plan generally pays 100% of covered in-network services.

07/15/2026

Don't Skip Preventive Care: Most health insurance plans cover preventive services like annual wellness visits, screenings, and many vaccines at little or no cost. Taking advantage of these benefits can help catch health issues early.

07/14/2026

Health Insurance 101: Don’t assume every service is covered right away. Review your policy documents or contact your insurance company to understand when coverage begins for doctor visits, prescriptions, specialist care, dental, vision, or other benefits.

07/13/2026

Summer Wellness 101: With school out, schedules can become unpredictable. Try to maintain consistent sleep times, regular meals, and some daily structure. A good routine helps kids (and adults) feel better, sleep better, and avoid the “summer burnout” feeling.

07/10/2026

"Rest and self-care are so important. When you take time to replenish your spirit, it allows you to serve others from the overflow."

07/09/2026

Health Insurance 101: Prescription drugs can completely change the math. Some plans have low deductibles but weak drug coverage tiers, while others build drug costs into separate deductibles or copay structures. If you take regular medications, always run a “total annual cost” estimate including premiums + meds + expected visits.

07/08/2026

One of the most important concepts is understanding what a deductible actually is versus what you pay even after it. Your deductible is the amount you pay out-of-pocket before most insurance coverage kicks in. But many people miss that even after meeting the deductible, you may still have copays, coinsurance, and out-of-pocket maximums. The deductible is just one piece of the total cost structure—not the finish line.

07/07/2026

One advantage of self-funding is transparency—employers can better see where healthcare dollars are actually going.

07/06/2026

Reminder: HSAs offer a unique triple tax advantage: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified expenses.