If You Are Well

What IF some of the money you spend on healthcare could become an investment for your future? What IF you had solutions to your health problems? What IF you woke up every day full of energy, supported by healthy relationships, empowered with the mental focus and clarity needed to create the life you imagine? What IF you started on a journey to achieve these things today? The tips in this book will help you build healthy habits in four key areas: psychological, physical, relationship, and financial wellness. Utilizing them will help you take small steps toward living a healthier life, as well as increase understanding of how health care choices and spending impact the health care system and affect your personal bottom line.

IF You Are Well: Health and Wellness Tips for the Empowered Health Care Consumer is a guide to help your employees make the choices and lifestyle changes necessary to stay healthy and out of the health care system, as well as understand how their personal wellness and health care spending habits contribute to and impact the current health care crisis. The small steps outlined here in the four key areas of psychological, physical, relationship, and financial wellness will point those within your organization toward living a healthier life while increasing their understanding of health care options and how those options impact everyone’s bottom line. Invest in buying this book for your employees if you want to empower them to: • Understand how the consumer-driven health care approach puts the individual at the center of their health, wellness, and financial decisions. • Adopt preventive and wellness health measures to reduce their dependence on doctors and medicine. • Take steps improve their health while saving time and money. Keith Paduch, author of IF You Are Well: Health and Wellness Tips for the Empowered Health Care Consumer, is CEO of IntegraFlex, an industry leader in Consumer-Driven Health Care (CDHC) solutions. A seventeen year veteran of the health care industry, Keith’s focus is aiding those consumers grappling with preventable health care issues by giving them the tools to take control of their health care choices, and in turn, their wellness and financial decisions. His goal is to change the health crisis paradigm and introduce consumers to the future of health care.

Keith Paduch, CEO, began his career in the healthcare industry in 1995 after graduating with a Bachelor of Science in Sports Medicine from Boise State University. He has been involved in many aspects of the healthcare industry throughout his career. He made his start in health and wellness, owning and operating a personal fitness training studio for a number of years before becoming involved as a provider with HealthSouth in 2000. He stepped into the insurance arena as an independent health insurance broker in 2001 and later became a sales director with Corporate Benefit Services of America (CBSA) in 2003. At the time, CBSA was the fourth largest Third Party Administrator of self-funded medical plans in the United States. During his time as a health insurance broker and working for CBSA, Keith became very familiar with the insurance industry and was on the cusp of the Consumer-Driven Health Care (CDHC) era and its introduction into the marketplace in 2003. Watching the marketplace take shape, Keith became involved with providing Third Party Administration for the CDHC model and utilization of Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs). Through Keith's vision and seeing where the marketplace was heading, this is where IntegraFlex was developed and refined into the company it is today. Over the years, Keith has seen the overall healthcare industry struggle from every aspect, having been involved in its many arenas. It is no secret that, healthcare costs continue to escalate and will continue, if we do not start taking action individually as consumers. Both the healthcare and health insurance systems are broken and expensive, and rather than taking a proactive approach, many people are in a reactive mindset regarding their healthcare. Change is perceived as difficult, time-consuming and complicated. However, this perception can no longer continue. The crisis before us needs to be approached from a long-term perspective, and healthcare benefits need to stop being viewed as a commodity. For these reasons, Keith strongly feels the answer to this problem is a consumer-driven, participatory health care plan that focuses on employee wellness and preventative health. For over 17 years, Keith has been a leader and advocate in the healthcare industry for what he refers to as 'the Consumer-Driven Health Care evolution'.