The Most Affordable Summer Weight Loss Program

There are several reasons why Wellspring New York is the most affordable weight loss program for your daughter.

1. Insurance Coverage

The clinical component of Wellspring includes a psychological assessment and four cognitive-behavioral counseling sessions per week.  Specifically, campers participate in cognitive-behavioral therapy four times per week, twice individually and twice in a group therapeutic setting.
 
These services represent only a portion of the total cost of tuition, and may be reimbursed by health insurance.

These services can be categorized as either “mental health” or “health” (“medical”) treatments and varies depending upon provider, plan, and benefits.

Typically, families with PPO plans are more likely to receive reimbursement for a portion of the clinical component of the program (an estimated $2,000 for the first four weeks, and $1,500 for the second four weeks).  They should not expect full reimbursement, nor should they base their decision to enroll their children upon such reimbursement. 

Families with HMO’s should generally not expect to receive reimbursement, though we encourage families to advocate for their children’s health whenever possible.

At the end of Camp, Wellspring produces and submits a statement to your health insurance.  The statement won’t come from Wellspring.  It will come from the therapist. 

Wellspring uses a private billing agency to bill insurance companies directly for reimbursement.  If preauthorization is required, Wellspring will determine this and, where possible, ensure that treatment is preauthorized.
 
Treatment at Wellspring is not considered inpatient care despite the fact that campers are in residence, nor should our services ever be represented as such.

There are three main questions families should consider when calling their insurance providers:

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.)

2. Student Loans

Because of Wellspring’s affiliation with our sister programs Wellspring Academies, formerly Academy of the Sierras, student loans are available to all Wellspring families. These loans are similar to the loans you might take out to pay for college. They can cover the entire camp tuition + fees, including transportation to and from camp, and feature very low interest rates, a 20-year amortization period, and deferral of payments for up to 6 months. Student loans also have no prepayment penalties or cancellation fees.

Families who take advantage of the student loan program find that the cost of 4 weeks at Wellspring can be as little as $55 per month.

Because the loan qualification and application process can be confusing, and because Wellspring families can choose from among several student lenders, we recommend that all Wellspring families work with our partner organization, Educational Loans. Educational Loans guides all Wellspring families through the loan qualification and application process and helps families choose the best loan for them. Educational Loans typically can complete this process within 48 hours.

If you are interested in a student loan to pay for the cost of tuition at Wellspring, please contact Educational Loans today.

Educational Loans
1101 East Lakeshore
Coeur d’Alene, ID 83814
Phone (888) 755-3079
Fax (208) 676-1702
sclark@customedloans.com

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