Kristen is currently the founder, COO and President of b.well Health Insurance - a new kind of insurance company. Most recently, Kristen was the VP of Government Claims and XLHealth at United Healthcare, the largest health insurance company in the country. As VP, Kristen was responsible for claim operations, enrollment, customer service, data warehousing, advanced analytics, medical economics, financial forecasting and valuation, regulatory and policy, audit, payment integrity, administration, and was the plan representative for all legal activity for the Care Improvement Plus plans. In her role, Kristen was responsible for maintaining and growing the profitability of the plan and was instrumental in the acquisition by United Health Group in late 2010 for $2.4 billion. Kristen began her career in the financial services industry. She then moved into the Medicare and Medicaid space focusing on program reform and cost containment efforts. Kristen worked closely with the FBI and OIG in these various roles to develop programs and tools to safeguard government funds. She later joined a Baltimore-based disease management company where she was responsible for developing advanced predictive models to isolate gaps in care and intervention opportunities for seniors with chronic conditions. Her role quickly transformed into building back office operations and technology as the Vice President of Operations and Technology for XLHealth as they transitioned to become the fastest growing and most profitable Medicare Advantage Special Needs Plan in the country.

Founder, COO and President @ Our mission is to create wellness by empowering individuals. We believe health insurance should be personalized, simple and transparent. So we created a new kind of health insurance company – one that will transform our sick care system to a system designed to keep people healthy and put the power of health in the hands of the consumer. We believe in partnering with physicians, not telling them what to do and how to do it. Together, we can create a care system that aligns incentives and ultimately avoids the onset of avoidable chronic conditions thus improving the overall health of America. From April 2015 to Present (9 months) Austin, Texas AreaVice President of Government Claims and XLHealth @ Kristen was the VP of Government Claims and XLHealth at United Healthcare, the largest health insurance company in the country. As VP, Kristen was responsible for claim operations, enrollment, customer service, data warehousing, advanced analytics, medical economics, financial forecasting and valuation, regulatory and policy, audit, payment integrity, administration, and was the plan representative for all legal activity for the Care Improvement Plus plans. In her role, Kristen was responsible for maintaining and growing the profitability of the plan and was instrumental in the acquisition by United Health Group in late 2010 for $2.4 billion. From August 2013 to April 2015 (1 year 9 months) VP of Operations & Technology @ In 2005, Kristen joined a Baltimore-based disease management company where she was responsible for developing advanced predictive models to isolate gaps in care and intervention opportunities for seniors with chronic conditions. Her role quickly transformed into building back office operations and technology as the Vice President of Operations and Technology for XLHealth as they transitioned to become the fastest growing and most profitable Medicare Advantage Special Needs Plan in the country. Kristen played an integral role in the success of the organization’s growth and future acquisition by United Healthcare for $2.4B. From January 2011 to August 2013 (2 years 8 months) Senior Director of Reporting & Analytics @ From March 2005 to January 2011 (5 years 11 months)

Business Information Systems @ Stevenson University From 1996 to 1999 Kristen Valdes is skilled in: Medicare, Managed Care, Claim, Case Management, Policy, HIPAA, Medicaid, Data Warehousing, Analytics, Health Insurance, Healthcare Information Technology, Provider Relations, Project Management, Process Improvement, Healthcare, Healthcare Industry, Strategic Planning