Dental Insurance – What is Usual, Customary and Reasonable?
Almost all dental insurance companies use what is called a “usual, customary and reasonable” (UCR) fee guide. This means that they set their own price that they will allow for every dental procedure that they cover. This is not based on what a dentist actually charges, but what the dental insurance company wishes to cover. For example, your dentist may charge $100 for a dental cleaning, but your insurance company will only allow $75 because that is the UCR fee that they have set.