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| underwriting |
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The insurance company's process for determining whom it will insure.
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| usual, customary & reasonable (UCR) |
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The dollar amount the insurance companies believe to be a fair price for the medical service/procedure in a specific geographic area. Companies have developed their own UCR, which often do not reflect the doctor's actual bill. If the doctor's chargers are higher than the companies UCR charge, you generally have to pay the balance.
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