Investment in a Healthier, Happier Future

Wellspring works hard to make our Academies an affordable investment with:

1. Insurance reimbursement
2. Loans to spread the cost into easy monthly payments
3. Tax deductions to reduce your taxable income
4. Flexible Spending Accounts or Health Savings Accounts

1). Call Wellspring to Discuss Insurance Reimbursement Coverage

Many Wellspring families receive health insurance reimbursement for a significant portion of tuition paid because individual and group cognitive-behavioral therapy sessions are central to the Wellspring program. The clinical component of Wellspring Academies includes a psychological assessment and three cognitive-behavioral counseling sessions per week: one individual and two group sessions.

At the end of each month, your child’s Behavioral Coach will send you a statement for that month’s therapy sessions. The statement won’t be coded for weight loss, but rather for the behavioral issues most commonly diagnosed at Wellspring. Two issues diagnosed frequently are depression and eating disorder.

The typical statement amount is $2,000 for the first month and $1,500 for subsequent months. Families with PPO plans are more likely to receive reimbursement for a portion of the clinical component of the program. Families should not expect full reimbursement, nor should they base their decision to enroll upon such reimbursement.

Because health insurance plans vary greatly, Wellspring cannot guarantee that any portion of a student’s tuition will be reimbursed by health insurance providers.

It is important for families to contact Wellspring before calling your insurance provider about insurance coverage. Wellspring can help you navigate a conversation with your insurer to determine your coverage and likely reimbursement.

Questions to Consider in Determining Likely Reimbursement from Health Insurance:

1. Do you have out-of-network medical and/or mental health benefits?
2. Is there an additional deductible with either?
3. Is pre-authorization and/or pre-certification required, and if so, what is required? (Wellspring will use best efforts to ascertain this and, where possible, ensure that treatment is preauthorized.)

Please note:
• Individual sessions are billed at a rate of $90 to $135, depending on length (typically one $90 and one $135 session per week).
• Group sessions are billed at a rate of $72 per (typically two group sessions per week).
• The assessment is billed at a rate of $500 (typically one assessment).

2). Private Loans for Easy Monthly Payments

Understanding how critical weight loss is to their child’s health, many families seek financing in order to split the cost of a Wellspring program into manageable monthly payments. While some families choose to refinance their home or borrow money from family members, many others take advantage of a special loan program arranged with Bank of Lake Mills.

As a division of CRC Health, the nation’s largest provider of specialized behavioral health services, Wellspring is able to offer the loan program to families enrolling their child in Wellspring Camps or Wellspring Academies. Loans are available to cover the entire cost of the program, including tuition, fees and transportation to and from the program.

Eligibility for the loan program is based on a number of factors, including credit score and debt to income ratio.  Unlike many other loan programs, applying for this loan will not negatively impact your credit rating.  Please call us at 866.364.0808, or by email at admissions@wellspringcamps.com and we’ll guide you through the loan qualification process.

3). Tax Deduction

On April 2, 2002, the IRS announced a new policy (IRS Ruling 202-19) stating that "Obesity is medically accepted to be a disease in its own right." For taxpayers, this means that treatment specifically for obesity can now be claimed as a medical deduction following a referral from a physician.

For more information, please visit:

http://www.irs.gov/taxtopics/tc502.html

4) Flexible Spending Accounts or Health Savings Accounts
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you should be able to use this account – and these pre-tax dollars – to pay for most of the cost of Wellspring (i.e., the entire cost, less the cost of food and lodging). Because each Wellspring program has slightly different food and lodging expenses, please contact Wellspring to receive an invoice that breaks out lodging and food from total tuition and fees.

APPLY NOW
https://www.parentcheckin.com/application/wsaapplication.asp

REQUEST INFORMATION
http://www.wellspringacademies.com/wellspringacademies.asp

Contacting Wellspring Academies

Please contact Wellspring Admissions at:
Toll-free: 866-364-0808
Email admissions? Contact us for tours, questions, etc.
Mailing addresses for Wellspring campuses are:

My primary concern for my overweight child is: Choose Current or potential health problems Low self-esteem Difficulty with friends and family Poor academic performance Lack of motivation or activity Depression or anger
My goal for my overweight child is: Choose Improve mood and outlook Increase activity level/improve fitness Improve self-esteem and confidence Return to healthy weight Develop better relationships Avoid or beat diabetes Reduce physical pain

Greg Smith, Admissions Director of Wellspring Academies. As the owner of award-winning women's fitness centers and a background with health publications, Greg has decades of experience and a passion for helping families learn a healthy lifestyle.

Dr. Mike Bishop, Executive Director of Wellspring. As a clinical psychologist, Mike brings 20 years of experience working with adolescents and families in a variety of settings. Mike is also a weight controller himself, having lost more than 80 lbs. by following the Wellspring Plan..

Greg and Mike look forward to working with your family to get your child on the path to a healthier, happier future.