When you use an out-of-network provider, the Hess Medical Plan administered by Anthem Blue Cross Blue Shield will pay co-insurance based on Anthem’s maximum allowed amount. You are responsible for any portion of the provider’s charge that exceeds this amount. For example, if you have met your deductible, the plan will pay 65 percent of the maximum allowed amount charge for out-of-network care. If your out-of-network provider charges $600 for a procedure and Anthem’s maximum allowed amount charge for the procedure is $500, you would pay 35 percent of the maximum allowed amount charge (35% x $500 = $175) plus the $100 that exceeds the maximum allowed amount, for a total of $275.