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The amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service. Usual, customary and reasonable (UCR) fees are out-of-pocket fees that a health insurance policyholder must pay for services. Usual, customary and reasonable (UCR) is an American method of generating health care. Insurance companies use the UCR method to decide how much they will pay for an out-of-network medical service based on what a majority of. UCR (Usual, Customary, and Reasonable) refers to the fee guidelines used to pay a claim when.