VisitorsCoverage logo
Travel Insurance

Usual Customary and Reasonable Reimbursement

Usual Customary and Reasonable Reimbursement

Most travel insurance plans reimburse based on Usual, Reasonable and Customary charges (UCR) for all covered expenses.

Let’s Understand Usual Customary and Reasonable (UCR) Based Reimbursement

Usual Customary & Reasonable reimbursement refers to an established maximum amount that an insurance company will reimburse for a particular medical service or procedure, covered under a travel health insurance policy. UCR charges are generally based on prices that are typically billed by majority of providers, for each medical procedure or service, in a particular geographical area. The UCR can vary from one geographical area to another. The insurance companies use independent third party data to determine the UCR for different services in different geographical areas.

For instance, if in a certain geographical area 95% of physicians charge $100 for doctor’s consultation, then a particular insurance company may establish the UCR  for that area as $100 for doctor’s visits and $100 is the maximum that the insurance company may reimburse for a doctor’s visit in that particular area. UCR may vary from company to company.

Travel Insurance Explained: Usual Customary or Reasonable Charges from VisitorsCoverage on Vimeo.

Where Can I See the Established UCR For Different Areas?

There is no one certified source that provides this information publicly. There are private independent companies that determine these charges based on extensive research. Insurance companies either collect this data or procure this data from these companies to establish their UCR.
You may call your insurance company to inquire or request for this information. You may also communicate with your service provider (doctor or hospital) and request for their charges for a particular medical service.

To know more about how much UCR reimbursement an insurance company will pay, visit our travel insurance plan details and compare them online, or send your questions to [email protected].


Related Articles

Can Layoffs Affect Your Health Insurance?

We’re all worried about the recent direction the U.S. economy has taken. Now, not only…

Return Of Mortal Remains/Repatriation- An Essential Benefit

Repatriation is a term that means ‘return of mortal remains’ and it’s a must-have feature…

Pre-certification: What, When & Why

Let’s get familiar with the term and process known as “pre-certification” to avoid any claim…

In-Network Vs. Out-of-Network Insurance Benefits

When you’re exploring the different options for your health insurance, and are zeroing in on…

Will My Health Insurance Cover Me When I Travel Abroad?

Unfortunately, most domestic health insurance policies don’t provide coverage outside your home country. In general,…

Whitewater River Rafting

Floating downstream through rock-strewn rapids, past breath-taking scenery, whitewater rafting is a popular outdoor thrill…

Infographics: Average Cost of Medical Services in the USA

For those who have never received medical care in the United States, the reality of…

Why is Europe Travel Plus the Best Insurance for Europe?

*Updated July 28, 2021 From the glittering lights of the Eiffel Tower to the awe-inspiring…

Plan Updates: The Liaison Series is Now Better Than Ever

The popular Liaison Series from Seven Corners is new and improved! As of April 30,…

What is Return of Mortal Remains or Repatriation Coverage?
US-European Coronavirus Travel Ban

*Updated March 24, 2020 The United States announced a travel restriction, banning international travelers from…

5 Reasons You Should Purchase Family Travel Insurance

There’s nothing like the excitement of a family trip. Whether you’re heading on a short…

Can Travel Insurance Cover Your Vacation Home Rental?

So, you’ve scoured the internet and booked the summer vacation home of your dreams. Before…

ETIAS Visa Waiver: Everything You Need to Know

Europe is one of the most-visited regions in the world. Travelers from all over the…

What Is Accident & Sickness Insurance?

When we travel abroad, our domestic health insurance won’t usually cover us. This is what…

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.