Most insurance companies use the usual, customary, and reasonable (UCR) charges to:

This choice misinterprets the UCR charges' purpose. While UCR may indirectly affect what employees are reimbursed, its primary function is not to reimburse employees but to determine the limits of what the insurance will cover based on established pricing norms.

UCR charges do not reimburse physicians for excess expenses; instead, they define a standard payment amount that insurance companies will cover for various medical services. Physicians may receive less than their billed amounts if their charges exceed the UCR benchmarks, thus not addressing excess reimbursement.

This option confuses the mechanism of insurance payments. UCR charges are not used to directly pay employers for health insurance, but rather to set limits on claims made by insured patients. Employers typically pay premiums to insurance companies and are not directly involved in the payment process defined by UCR.