Underwood Health Benefits

Miss the insurance you had working for a large company? Hate what you find looking around as a self employed individual? You've come to the right place. Unlike anything you've seen in the world of private insurance, we are happy to assess your situation and see if you qualify for the premium insurance product you deserve. Medical, Dental, Vision, Term Life and Supplemental options available, all customized to suit YOUR needs.

Health Insurance Specialist

Whole Foods Market

Dairy Manager

Spirits/Beer Buyer

Dairy Buyer

I protect Entrepreneurs and their assets with the best private health insurance available to them in over 30 states/TEXT OR CALL 859-270-5867/Book a free consult on Calendly 👇🏻

If you think good, affordable health insurance doesn't exist for self employed individuals, let me stop you right there.

It does.

But your average broker doesn't have access to it.

If you have problems you think can’t be solved, let’s have a look. 

859-270-5867
calendly.com/underwoodhealthbenefits

Holy Health Savings Account! 



Finally doing a video post about this topic.

Which seems to be fairly popular among some entrepreneurs and financial professionals in particular 

Disclaimer: I don’t do HSAs and am in no way an “expert” on them but this is my understanding of them and I invite others to contribute, discuss, or disagree 

Pros:

- Tax advantages
- Another Investment vehicle for retirement once you reach 65
- Helps negate out unplanned out of pocket expenses for eligible health expenses

Cons:

- Must be paired with a high deductible health plan
- Reimbursement, need to have your receipts
- Money will be taxed as ordinary income if withdrawn for any reason other than eligible health expenses 
- Long game minded, may not be of much help in short term should something happen

As I discuss in the video, it’s not my preferred solution to your private healthcare needs but I understand not everyone is the same.

It absolutely can be the right thing for some and probably has been a great thing for people who know how to properly utilize it.

But in my view it does take for granted your short term health and that nothing will happen.

Additionally, the quality of the health plan still matters.

Deductible aside, what’s the network?

If it’s not a large network and you do end up needing to see specialists or would like to go to your choice of doctor or hospital for a life saving surgery or cancer treatment, do those places take your insurance?

Or again, speaking to Network size, if you’re rushed somewhere for an emergency and that hospital isn’t in network….

Then your insurance is useless and you’re paying out of pocket. Will you have enough HSA savings to cover that billl? Who knows. 

Point being, there’s a lot of variables in play and potential blind spots but if you have all your bases covered and this works for you, more power to you. 

Happy humpday y’all 🔥

Mitchell Underwood

If you think good, affordable health insurance doesn't exist for self employed individuals, let me stop you right there.

It does.

But your average broker doesn't have access to it.

I do though and can show you how with one simple qualifying process. Got a problem you think I can't solve? Try me! 

859-270-5867
calendly.com/underwoodhealthbenefits

Guys I think she wants me, she really wants to talk to me! Just a little bit though 

🤣🤦‍♂️


These bots are ridiculous. This one is my favorite though 😅

Little end of the day levity. We all gotta laugh sometimes, right?

I had been walking for awhile 




Couple miles, probably.

I was getting close to the end

And thinking how good it would feel to sit in my car for a minute.

So, I started running

Sprinting to my car with Luna

I was already a little tired, I didn’t feel like running 

But I wanted it to be over with, I wanted to get to comfort 

So I ran.

And I got there faster

This isn’t any different than in life

Once you see the light at the end of the tunnel 

The goal you’ve been striving for in sight

You want to get there faster

So you invest more in your business

You make more contacts
You work a little harder 
You try something new
You do more activities 
You close more deals
You give back
You expand 

It’s all within reach

Question is

How fast do you want to get there?

It’s all up to you.


Happy Saturday y’all 🔥

We all have 24 hours in a day



Make time for your health.

Mental and physical

Schedule in time to take a walk, be in nature and off your devices

Or find a quiet place to rest your eyes, think, and unwind

Whatever it is, you owe it to your mind and body not to slave too tirelessly

It takes a toll

And eventually prevents you from giving the kind of effort you’d like to give 

I say that as someone who loves to stay busy working my business

Cause I know better and I don’t want to burn out

Found a good stopping point today and got a good 45 minute work out in

Strength training and cardio

What do you guys do to stay fresh and avoid burn out?

Many times in my line of work I’ve come across people that literally have to choose between having Health Insurance and paying for their Insulin medication 

It should never have to be that way



Some good news in the US Healthcare industry, finally

Amazingly, over 8 million Americans rely on insulin. 

While this speaks to larger changes that need to be made dietarily here,

Those 8 million+ still need insulin now and many struggle to afford it or simply can’t 

This will apply for anyone with private insurance and people without can still access it through a co-pay assistance program

Very hopeful this will be a game changer and those that need insulin won’t have to go exposed just to afford medication any more.

If you know anyone that takes insulin, definitely share the good news with them if they’ve been paying through the nose for it. 

Happy Thursday gang 🌞🕶️

Open article: Drugmaker Eli Lilly caps the cost of insulin at $35 a month, bringing relief for millions by nbcnews.com

https://www.nbcnews.com/news/amp/rcna72713

Some people might call this idea morbid, but its true:



Your most authentic self is in direct relation to your mortality and how you perceive it. 😬 

Your awareness of it
Your conception of it
Your understanding that it is reality
And that your time here is finite, thus you should feel a closeness...

To Death, the other side of the coin. 

I'm not saying fixate on it

I'm saying to use this understanding as a tool for growth

And for living an authentic, fulfilling life

The German Existentialist Philosopher Martin Heidegger had a specific concept for this state of being, known as

"Being-Towards-Death"

And this always stuck with me as being really fascinating

He was very concerned with Authenticity and his observation that most people live inauthentic lives

And big reason for that is how insulated people are from the reality that - life is fragile, there is no guarantee you will still be here tomorrow.

And that if you were more in touch with that reality, you would place a lot more value on your daily actions. 

On living authentically. 

Without being open and honest with yourself about your own mortality, you're asleep at the wheel. 

Taking every day and interaction for granted

Every choice or non choice
Every action or inaction

Its cliché but this is really where "live everyday like its your last" comes from

And how to best embrace it authentically

Its not through those empty words

Its through careful thought and appreciation that nothing is guaranteed -

Except for Death. 


One thing that’s not so boring about my industry:



Having a board certified doctor averaging 15 years experience on speed dial.

24/7, too, by the way.

I called in around 6:25 this morning and by 6:40 I had a consultation and my medication being sent to HEB down the street to pick up.

I didn’t pay a co pay or pay anything for the virtual “visit”

They’re free and unlimited, included in my monthly premium.

Insanely convenient. 

But I know that if I needed to schedule something in person

Have lab work done, etc

I could do that too and have a low out of pocket as well.

Again, benefits included in my premium.

Health insurance isn’t an exciting industry, I get it

But when you can get the help you need in a few short minutes over the phone

I dunno, that’s pretty cool, imo lol

Have you guys ever used Telehealth before?


Oh and good morning from Texas yall 🌞

“If you found a bunch of money or jewelry, would you keep it or turn it in?”



We’ve all heard that theoretical proposition before, right?


Except it wasn’t a theoretical for me


It happened 


Around this time maybe 4 years ago I was walking my dog and in a field I found some jewelry 

I’m not a jeweler but

It looked real and it looked valuable

And there were multiple items

At the time I was working as a buyer for Whole Foods, living paycheck to paycheck

Struggling to keep up with student loans, credit card debt, sending money home to family on occasion 

I had a lot of reasons to try and do something with that jewelry

To try and see what I could get for it, to make my life a little easier 

But you know what? 


I turned it in. 


And I’ve actually never told anyone about it outside the girl I was dating at the time and maybe my mom

Because I think all things considered a lot of people would say it was stupid and foolish of me

But I felt it was the right thing to do for multiple reasons.

In the end, I went with my gut. 


And I still do to this day, right or wrong.


Have you ever experienced anything similar? 


P.S. Good morning from Houston 🌞

Tuesday curveball:



What's a time when you weren't good enough?  

And how did you respond to that moment?

I'm not trying to torture anyone here or dredge up bad memories but,

Sometimes these are among some of the most important lessons we learn in life

Sometimes its where we have our much needed epiphany

That moment of clarity

When you realize this isn't gonna cut it

And if you don't change your habits, your mindset, you won't go far in life

___________

For me, my moment was in college

I went into my first semester at the University of Kentucky an average student that wanted to be a journalist

And I remained average my first two years there

C's across the board. 

And I changed my major too, thinking maybe I'd rather be an English or Philosophy professor

And I knew C's wouldn't cut it. 

So I *thought* I was putting my mind to it to do better

C's again. 

It hit me like a gut shot

I genuinely could not believe it. 

And I remember sitting down waiting for the bus genuinely wondering if I was good enough

"Maybe I really am just average. Maybe I can't do any better."

These thoughts were going through my mind. 

But that's when pride kicked in

I got mad

And I used that frustration and I re-doubled my efforts

And became the kind of student I needed to be, finally

And ended up making Deans list my last two years and getting my degree with an average GPA over 3.0.

This is when I learned my self worth and that if I put my mind to it, I could overcome myself

That I was capable all along

And that I would never settle for less again. 

This lesson is still serving me well today.

Perception:



-All Health Insurance is the same
-It’s all out of pocket expenses
-High premiums, high deductibles 
-Waste of money if you’re healthy 
-No one is in Network


Reality:


-High caliber, private networks exist
-Wellness benefits, no copays, low to no out of pocket expense for screenings
-Cost of a major accident can be reduced to $250-$500 in some states😮
-Cost of major cancer treatment, heart attack, stroke, organ transplant can reduced to $0 with money leftover put in your pocket to offset financial loss from not working😮
-Investment in your future, protecting you against financial exposure

I do my best to be a problem finder as much as a problem solver.

The list under the Perception heading are some of the most common complaints I see among self employed individuals in particular

Are there any you would add to the list? Something you take issue with?

Good morning y’all! 👋🏻

You just got laid off



And now you just got told your health insurance is going to more than double 

Talk about insult to injury

Unfortunately, this is part of what happens when you’re laid off from a large company.

And you realize how expensive your plan is without your employer contribution

More times than not, it’s more than most people want to stomach

So they just let the policy lapse

And go without coverage

Or they sign up the first thing they can find online



I can’t advise against either of these strongly enough 



If this is you or someone you know, do yourself a favor and consult a professional before you make any changes

In some cases, the COBRA actually is the best thing for you 

But again, it all depends

It’s a confusing, stressful, boring subject to analyze

When you’re more worried about finding work

And putting food on the table, keeping the lights on

But you know your health coverage is important, too

If you consult an adviser though

And let them do the work for you

You may very well not have to sacrifice quality of coverage 

And save hundreds monthly in the process while you focus on finding your next gig

Or going all in on that side hustle now that your employer set you free

If this is you, don’t panic

Growth requires change

And it’s ok to ask for help, too.

Lazy Sunday 


Nothing better, honestly

Always goes too fast 

But much needed after a long week of productivity 

Every now and again, I like to unwind with a nice Cigar, too

And pretend I’m Tony Soprano 😅

How do you guys like to unwind after a long week?

Occupational hazards are more common than you think



It’s not just the jobs that typically come to mind

Roofing
Logging
Coal mining
Construction
Truck driving 

And so on.

The reality is many of us share one less spoken about 

And it comes from sitting all the time 

And it can cause a host of health issues

Sciatica 
Blood clots
Weight gain
Lower back pain

And all these things can compound pre existing issues or become catalysts for more serious conditions

I know because it happened to me 

In a very short amount of time

Because I was completely unaware until it was too late

Many chiropractic adjustments, hours of stretching and physical therapy later, I feel pretty good again.

But it shouldn’t of come to that.

Point being, not just for my desk sitting counterparts, but everyone with a less than advertised workplace health hazard:

Be proactive.

Don’t ignore it or take for granted you’ll hold up 

Take steps to break up your work day and prevent health issues from sneaking up on you

Your future self will thank you.


Happy Tuesday y’all 🌞☕️

P.S. What steps do you take to avoid health issues taking root at your job? I’ll post mine in the comments 👇🏻

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