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You CAN Change Your Child's Life This Summer

At Wellspring, we know that the most common reason families don't seek help for their overweight or obese child is the cost.

Like any successful healthcare program, Wellspring requires a variety of talented professionals as well as sophisticated systems, processes and administrators in order to achieve remarkable outcomes each and every year.  This is particularly true for a comprehensive, multi-disciplinary treatment program like Wellspring.  Of course, such a program isn't inexpensive. 

But our mission is to reach every child and family in need of our services, and, as a result, we go to great lengths to make the program as affordable as possible.

We do this in eight distinct ways, each of which is unique to Wellspring among weight loss camps:

  1. Loans to spread the cost into easy monthly payments
  2. Tax deductions to reduce your taxable income
  3. Flexible Spending Account or Health Savings Account
  4. Supporting creativity to pay for camp

 Wellspring's tuition varies by program length and location. Please visit Wellspring's Dates & Rates to find current dates and prices. You can also contact us at 866.364.0808 or chat now for immediate answers to your questions.

American Healthcare Lending

1. Loans to spread the cost into 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 through our lending partner.

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.

 

Eligibility for the various loan options 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 and we'll guide you through the loan qualification process.

2. Tax deductions to reduce your taxable income

The IRS implemented a new policy (IRS Ruling 2002-19) 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.

The word "obese" carries a lot of significance socially and emotionally and may be difficult for parents to accept; in medical terms, however, it simply refers to a specific measure of body mass, called the Body Mass Index or BMI.

For more information about the IRS policy regarding obesity treatment, please visit
www.irs.gov/taxtopics/tc502.html

 

3. Flexible Spending Account or Health Savings Account

For the same reason that the cost of Wellspring can be deducted for federal tax purposes, families may pay for Wellspring with a medical Flexible Spending Account (FSA) or Health Savings Account (HSA). 

If you have a FSA or HSA, you are no doubt aware that it is extremely beneficial for you to use this account for all allowable expenses, as you will be spending pre-tax dollars, thereby significantly reducing the effective expense.

Despite the fact that lodging and food are essential components of the Wellspring program, our reading of the Internal Revenue Code leads us to believe that it would be prudent not to attempt to pay for these components of the Wellspring program with your FSA or HSA.  However, the remaining tuition and fees can be paid for with your FSA or HSA.

Because each Wellspring camp has slightly different food and lodging expenses, following submission of your application, please contact Wellspring Start to receive an invoice that breaks out lodging and food from total tuition and fees.

4. Supporting creativity to pay for camp

We recognize that for Wellspring families, nothing is more important than helping their child find a path to health and happiness.

This is why our Wellspring Start department is willing to work hand-in-hand with every family on creative arrangements for tuition payment.

Here are some of the creative solutions we've helped families put in place to ensure their children have received the help they need:

  1. A parent from Montclair, NJ set up automatic withdrawals from her paychecks twice per month.
  2. A student from San Francisco, CA was able to draw on her 401k to cover the cost of 4 months at Wellspring.
  3. A family from Denver, CO was able to pool tax returns to pay for  Wellspring.
  4. A mother from San Francisco, CA was able to do an early draw on her yearly bonus and have her company wire funds directly to Wellspring.
  5. A mother from Dallas, TX had $2,500 in FSA that she had forgotten about.  She used that as her down payment, had $2K in savings, and borrowed the rest from her parents.
  6. A family from NC sold their 4-wheeler and jet-ski to send their son to camp.
  7. One family from Peoria, IL paid for Wellspring by pooling money from Aunts, Uncles, and Grandparents.
  8. A family from Scottsdale, AZ paid for Wellspring by asking church members for assistance.
  9. A family from San Francisco paid for Wellspring by refinancing their house.  They were able to refinance at a lower interest rate and actually lowered their payment at the same time.
  10. A family from Fremont, CA paid for Wellspring by having their Employee Assistance Program pay for the treatment.
  11. A family from Miami, FL paid for Wellspring by borrowing on the equity in their home.
  12. Several families have paid for Wellspring by borrowing from their Credit Union, then repaying a large part of the loan through insurance reimbursement and the tax deduction for obesity treatment.
  13. Most families use multiple sources to pay for Wellspring: paying the deposit and pro-rated first month by credit card, then financing the remainder though their local bank.  Grandparents, aunts, uncles, and extended family members are often asked to contribute. 

“Whether you combine insurance reimbursement and our loan program, take advantage of your Flexible Spending Account, solicit contributions through the Wellspring Community Assistance Program, or simply support your child by attending the Family Workshop, there is a path for you to help your child.”

As we know from speaking with thousands of families each year, where there's a will, there's a way.

You CAN Change Your Child's Life This Summer!