Glossary of Insurance Terms

U

Urgent care

Covered services when you are temporarily out of the area strong>and; that are medically necessary and immediately needed as a result of an unforeseen illness, accident, or injury, and when it is not reasonable to obtain services from a network provider.

Usual, customary and reasonable (UCR) c

A charge for health care based on the going rate in a certain geographic area for identical or similar services. This may also be referred to as reasonable and customary charge.

Utilization review

A method of claims review whereby the insurance company analyzes a case, either prospectively, concurrently, or retrospectively to determine if the treatment given is necessary and appropriate.