Price Difference Between Paying for Anger Management or Domestic Violence Services or Making a Group Insurance Claim
of what kind of insurance program covers our Anger Management and Domestic Violence (PAR) programs 100%, which programs cover us partially and what the difference is if you decided to go with the 'covered' Registered Psychologist.
Packages that Cover Our Programs
There are many different types of Group Benefit Programs out there. Some are not so good, while others are great. Some cover health and dental only, while others have add-ons like life-insurance and health packages. We have found that most mid-range to great group benefits packages have a program for health and wellness activities. I might as well be speaking another language, right?
What this means is, your Employee Group Insurance would cover your gym pass, ski pass, yoga classes, self-help books, etc. Essentially, anything to do with health and wellness. That can be physical, mental or emotional health and wellness. What we have experienced, working with these programs through our clients, is that this portion of the package covers a certain amount of benefits per year. Some cover $300, while others cover $900. It purely depends on your package.
If you have this Health and Wellness portion of your Employee Group Benefits Package then you will be pleased to find out that Anger Management Classes, Anger Management Counseling, and Domestic Violence (PAR Program) Courses are considered health and wellness activities.
Packages that Partially Cover Our Program
Now, if your H&W coverage only covers $300 per year and you want to take a $650 private anger management program, then you would be responsible for the other $350. Again, it will depend on how much your H&W program covers.
Many companies have Employee Assistance Programs, or Employee Health Programs. These programs help employees with costs associated to many different health, wellness and legal services. Ask your Human Resources Representative if your company has a program to help you pay for these services. In my experience, companies are more than happy to help their employees pay for self-help programs, such as anger management and domestic violence (PAR Program), even if they do not have a specific program to pay for it.
Price Difference in Hiring a 'Covered' Psychologist
Now here's the kicker. Almost every Employee Group Benefits Program that I have seen cover 100% of Registered Psychologist services up to $500 (I have yet to see a program that pays for more than this). The problem is that Psychologists usually charge $150-$250 per hour. On the cheaper side of things you can spend approximately 3.33 hours with a Psychologist to address your problems - you'd better learn how to talk fast before going in! If you wanted to complete a full program, which is typically 10 hours, then you would be paying $1000 for the services - assuming that your benefits cover the watermark $500.
If instead you wanted to complete a 10 week private program with a company that specializes in anger management and domestic violence (PAR Program), like ours, then the maximum you would pay is $650. This makes option B the more inexpensive option even without using your group benefits. Of course, there is more involved with finding a program than price, but that's a topic for another blog post.
I am the founder of The Anger Managers, a clinic that provides court-approved psycho-educational courses and workshops to individuals and corporations