Check out Dr. Valerie and Mark Willman's Qualified
            Non-Profit, the "Nehemiah Center Kauai!"
                      nehemiahcenterkauai.org/

Valerie Willman, Ph.D.

  Valerie Willman is a Clinical Psychologist, licensed in the State of Hawaii. She is a Board Certified Professional Christian Counselor by the International Board of Christian Counselors. Dr. Willman earned a Masters in Counseling from Purdue University in 1984 and Ph.D. in Psychology, specializing in Sport and Performance Psychology,  in 1987. She completed a respecialization program in Clinical Psychology at Illinois Institute of Technology in 1995, graduating from the University of Oregon Counseling Internship Program, and became licensed as a Clinical Psychologist in 1996. She has been a practicing counselor since earning her Ph.D. in 1987.
 
Here is a link to Dr. Val's Utube channel for tips on corona-virus days and mental health:         www.youtube.com/channel/UCQiEd3OXJIRwn-9Y_APvTeQ       (Click on this link)


Dr. Willman has many testimonies of God's faithfulness in her life. One challenge has been conquering the diagnosis of cancer. Through the prayers of the faithful and the mercy of God, Val is healed. She wrote about her journey and is in the process of publishing a book entitled, "Victory over cancer; Live as if it were true...because it IS!" (Click here to learn more about the book ministry from this website.)

Val has also triumphed over an angioplasty of the iliac artery and a spinal cord injury. Yet probably the most amazing testimony in her life has been the resurrection of her marriage after two and one half years of separation. Dr. Willman believes that each of the trials that the Lord has allowed into her life have enabled her to provide services more proficiently than would have otherwise been possible. (Click here to learn more about Clinical Psychology Services or make a payment.)

Val has a unique gift that enables her to encourage and bless others. Through dedication in developing her talent, Valerie Willman earned 27 National and 5 Grand-National/World Championships in the sport of Baton Twirling. She was selected as Purdue University's 13th "Golden Girl," (a representative of the University and leader of the 450 member "All American Marching Band"), and today, continues using her twirling to worship God through performance. Not only does Val teach performance enhancement techniques, but she practices what she preaches! (Click here to learn more about Sport and Performance Psychological Services or Click here for more information about the Baton Twirling Ministry .)

Services Available: Christian Counseling/Clinical Psychology (At Kauai Bible Church in Lawai, Hawaii); Sport and Performance Psychology Consulting (Available online and at KBC); Seminars, Presentations and Performances.

Marriage Testimony: Valerie and Mark Willman: Separated for 2 and 1/2 years...Together by God's Grace and Mercy! (To hear more about their amazing story and make inquiries regarding marriage seminars and presentations click here.)

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Department of Human Services: Affordable Care Act 1557 Requirements and Compliance with Federal Civil Rights Laws
Website for more information, related civil rights and forms: https://www.hhs.gov/civil-rights/for-individuals/section-1557/translated-resources/index.html

Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. What is “balance billing” (sometimes called “surprise billing”)? When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that is not in your health plan’s network.“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for:
Emergency services: If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.Certain services at an in-network hospital or ambulatory surgical center. When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed. If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.
You are never required to give up your protections from balance billing. You also are not required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following protections:

• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
• Your health plan generally must:
  • Cover emergency services without requiring you to get approval for services in advance (prior authorization).
  • Cover emergency services by out-of-network providers.
  • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
  • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you have questions regarding your bill, please call Dr. Valerie Willman to discuss your balance.
If you believe you’ve been wrongly billed, you may contact the Department of Health and Human Services at (800) 985-3059.
Visit https://www.cms.gov/nosurprises for more information about your rights under federal law.

You have the right to receive a“Good Faith Estimate” explaining how much your medical care will cost:
 
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive, and also request, a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
• Make sure your health care provider gives you a Good Faith Estimate in writing at least one (1) business day before your medical service or item, if the service is scheduled at least three (3) days in advance.
• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
• Make sure to save a copy or picture of your Good Faith Estimate.

 
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call (800) 985-3059.