Individual Dental Insurance

Individual Dental Insurance Terms You Need To Understand - UCR

UCR stands for USUAL, REASONABLE AND CUSTOMARY. If you look through your Individual Dental Insurance policy document you are likely to come across this
acronynm. If you understand what this term means then it will help you better understand your insurance policy and also to make the correct
decision when choosing dental treatment.

What this term means is that your dentist should usually, reasonablly and/or customarily charge your "X" amount for a particular dental treatment, and the insurance company will bear "Y" percent of that fee. The problem with this dental fee structure is it varies widely from patient to patient, for different treatments, locations, dentists
expertise and so on. Then how is it possible to find out what is UCR?

Some Individual Dental Insurance companies will be willing to share this information with you while others will simply not part with it under any
circumstance. Similarly most dentists don't give a very clear picture about how much a particular treatment will cost for a particular patient.
They would prefer to treat you first before giving out the final figure so until you are treated you don't really know what the cost it going to be. Then how will you know what you are being charged is UCR - usual, customary and reasonable?

There is a solution to this seemingly unresolvable problem. Pick up the phone and call your insurance agent - ask him/her how UCR is be calculated by your particular insurance company. They will point you to
the right page in your policy document and you can find for yourself how much is UCR for your particular dental treatment option. Then call up
your dentist's office and find out from the front office how much the dentist charges for the same treatment. If there is wide difference between these two figures then find another dentist if your don't want to pay too much in fees out of your pocket.

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