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    If You Are Well: Health and Wellness Tips for the Empowered Health Care Consumer
    If You Are Well: Health and Wellness Tips for the Empowered Health Care Consumer
    If You Are Well: Health and Wellness Tips for the Empowered Health Care Consumer
    Ebook97 pages40 minutes

    If You Are Well: Health and Wellness Tips for the Empowered Health Care Consumer

    By Keith Paduch

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    About this ebook

    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.
    LanguageEnglish
    PublisherBookBaby
    Release dateJun 4, 2013
    ISBN9781483504148
    If You Are Well: Health and Wellness Tips for the Empowered Health Care Consumer

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      Book preview

      If You Are Well - Keith Paduch

      today.

      Consumer-Driven

      Health Care

      The US Supreme Court’s decision to uphold the Patient Protection and Affordable Care Act (also known as Obamacare) marked a significant and controversial milestone in American history. Many Democrats celebrated millions of Americans getting access to insurance, while many Republicans decried what they contend is a treacherous expansion of government.This book, however, is not about the politics of health care reform; it’s about wellness and individual health reform.

      When you’ve worked in the health care industry as long as we at IntegraFlex have, you recognize that real health care reform is not going to come from the government. It comes when consumers are empowered with the information they need to be in control of their health and can truly calculate the cost of health-related life choices and spending.

      We invite you to join the real health care revolution. Here, consumers, businesses, and the government work together to create real and lasting change. We view the health care crisis objectively, with our eyes wide open, and take responsibility for how each and every one of us have contributed to the problem, and how we now have to work together to solve it.

      Why should consumers work with employers and the government to fix health care when there are so many other problems battling for our attention? Put simply, we do not have a choice anymore. It is vital that consumers become informed about how individual health care choices and spending are affecting skyrocketing health care costs.

      If we do not do this, the cost of health care will continue to rise faster than inflation and income levels. The American health care system is quickly approaching a breaking point, where neither employers nor the government will be able to assist in providing access to health care for all people.

      Health care Evolution: The Death of Cadillac Health Plans

      You may remember a time when employers shouldered the lion’s share of the cost of health care plans for their employees, sometimes covering the entire monthly premium, and offered low deductible and copayment options. These Cadillac Health Plans and other benefits were used to attract and retain employees to companies.

      The current reality is that the cost of health care continues to rise at a rate of 5.9 percent a year, and employers can no longer afford to offer the health plans they once did. Forced to ask employees to shoulder more of the costs, they are looking to their workforce to be more accountable for their health and wellness, so they can stay out of the health care system for as long as possible.

      It’s easy to see that as employers are forced to shift health care coverage to employees, employees will take on greater risks and therefore increased responsibilities for their health and well-being. As such, it’s important to empower yourself with tools and knowledge that will help you navigate the new paradigm in employee benefits, health care, and personal wellness.

      Understanding the Problem with Health Care

      Consumers have significant power and ability to help get health care costs under control, but first they have to take the time to understand how individual lifestyle choices and consumer patterns have contributed to the problem.

      Problem: lack of bargain shoppers

      For most big ticket items or recurring costs, Americans can comparison shop with the best of them. We look for deals online, haggle with car salesmen, and see entire industries built on the ability to price shop everything from car insurance to airline tickets. Why, then, do we almost never inquire about the cost of medical procedures, medications, or seek lower costs and alternative treatments?

      For example: Lipitor is one of the best selling drugs in pharmaceutical history but now has other lower cost generic alternatives. Many people still take Lipitor, with an average cost of $148, instead of its generic equivalent at an average cost of $8.99. Often the consumer doesn’t consider the cost variance because the difference most people see on traditional group medical plans between a brand name and generic drug is minimal, maybe an additional $20. They assume that brand names are better and pay the $20, leaving a $128 bill for the insurance company to cover.

      When the fact is understood that the more the insurance company pays, the more they charge you in premiums, it quickly becomes clear why buying the generic version not only saves you money on your copayment, but also helps

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