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What does the term "reasonable and customary" mean in relation to health insurance?

Some policies specify that they will pay a certain percentage (e.g. 80%) of "reasonable and customary" charges. That means that they will look at what is reasonable and customary for doctors in your area and base your reimbursement on that amount. Many doctors will forgive the excess, but you may have to ask.




Brenda Procter, M.S., Consumer and Family Economics, College of Human Environmental Sciences, University of Missouri-Columbia














If you'd like to learn more about this and other personal finance topics, the University of Missouri offers 'Personal & Family Finance,' a correspondence course, through the Center for Distance and Independent Study (800-609-3727). Information about this course is available at





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Last update: Monday, July 21, 2008




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