32 Out - of - Network Services When you do not use a Tier 1 or Tier 2 In - Network Provider or get care as part of an Authorized Service, Covered Services are covered at the tier 3 Out - of - Network level, unless otherwise indicated in this Booklet. For services from a Tier 3 Out - of - Network Provider: 1. The Out - of - Network Provider can charge you the difference between their bill and the Plan’s Maximum Allowed Amount plus any Deductible and/or Coinsurance/Copayments unless your claim involves a Surprise Billing Claim; 2. You may have higher cost sharing amounts (i.e., Deductibles, Coinsurance, and/or Copayments unless your claim involves a Surprise Billing Claim); 3. You will have to pay for services that are not Medically Necessary; 4. You will have to pay for non - Covered Services; 5. You may have to file claims; and 6. You must make sure any necessary Precertification is done. (Please see “ Getting Approval for Benefits ” for more details.) Surprise Billing Claims Surprise Billing Claims are described in the “ Consolidated Appropriations Act of 2021 Notice” at the beginning of this Booklet. Please refer to that section for further details. Connect with Us Using Our Mobile App As soon as you enroll in this Plan, you should download our mobile app. You can find details on how to do this on our website, www.anthem.com . Our goal is to make it easy for you to find answers to your questions. You can chat with us live in the app . How to Find a Provider in the Network There are several ways you can find out if a Provider or Facility is in the network for this Plan. You can also find out where they are located and details about their license or training. • See your Plan’s directory of In - Network Providers at www.anthem.com , which lists the Doctors, Providers, and Facilities that participate in this Plan’s network. • Search for a Provider in our mobile app . • Contact Member Services to ask for a list of Doctors and Providers that participate in this Plan’s network, based on specialty and geographic area. Member Services can help you determine the Provider’s name, address, telephone number, professional qualifications, specialty, medical school attended, and board certifications. • Check with your Doctor or Provider. Please note that not all In - Network Providers offer all services. For example, some Hospital - based labs are not part of our Reference Lab Network. In those cases you will have to go to a lab in our Reference