What Is UCR In Health Insurance? 
Ever read your health insurance policy ? Did you make it past page 2 before you fell asleep or had to untie the knots in your brain ? These are n't written for you , the consumer . They 're written by lawyers , for lawyers . That means they use a lot of terms and language that have specific meanings . UCR is one of them . In this context , UCR stands for `` Usual , Customary , and Reasonable '' . It means that your health insurance company will only pay what is ... here it comes ... usual , customary , and reasonable . It 's there to protect them , not you , from being charged exorbitant prices for services that are usually much less expensive . These days , it 's not all that uncommon for a doctor to refuse to accept health insurance from their patients . That 's because they want to charge whatever they want and not have to worry about a fee schedule or terms like UCR . Be smart . Ask questions , especially with health insurance . If you have a good agent they will spend the time with you to make sure you understand your coverage . 