If you use UPMC on an out-of-network basis you may be billed by UPMC for the difference between the amount Highmark will pay, called an allowance, and the amount UPMC charges, called charges. If you have no out-of-network coverage, you will be responsible for all UPMC charges. Generally, Highmark will make payment on the out-of-network allowances to you, after subtracting the out-of-network deductible and coinsurance under your benefit plan.


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