35 Claims Payment” section for additional information on Authorized Services. After Hours Care If you need care after normal business hours, your Doctor may have several options for you. You should call your Doctor’s office for instructions if you need care in the evenings, on weekends, or during the holidays and cannot wait until the office reopens. If you have an Emergency, call 911 or go to the nearest Emergency Room. If you are experiencing a mental health crisis, you may also call 988 for assistance. 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.