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NHIT Week 2018: How HIMSS Chapters are Joining the Celebration New Unit Playbook What Are You Insuring? 11 of 25 Almost all dental insurance companies use what is called a Usual, Customary, and Reasonable (UCR) fee guide. This means that they set their own price that they will allow for every dental procedure that they cover. This is not based on what a dentist actually charges, but what the dental insurance company wishes to cover. For example, your dentist may charge $78 for a dental cleaning, but your insurance company will only allow $58 because that is the UCR fee that they have set. Anyone exploring dental coverage may want to consider forgoing traditional insurance in favor of an alternative: a discount dental plan. You pay an annual fee to receive certain services at a set rate or at a discount. Annual Payment Plan See Details Compare Quotes To help stretch each dental insurance dollar, most plans provide patients and purchasers with special administrative services. 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