…If you plan to use insurance benefits, it is recommended that you check with your insurance provider prior to your first appointment to understand the full details of your out-of-network mental health benefits. University Elite Doctors are considered “out-of-network” providers for insurance plans. These plans vary widely and typically reimburse patients anywhere from 25% to 90% of the total cost of each session. You may want to ask your insurance carrier to what extent they reimburse for psychiatric services by an out-of-network doctor.