Does Anthem really not tell you the allowed amount before you get a procedure?

I have Anthem, and I only first learned about allowed amounts by finding out when I got my claim processed for therapy, and they had the allowed amount as $47, which is absolutely ridiculous. My therapist charges $125, which I think is pretty darn reasonable considering the special skills she has. But anyway, luckily I found out this way instead of with the much more expensive neurofeedback therapy that I’m looking at.

But this is the crazy thing. I actually reached out to Anthem using the live chat and gave the specific CPT codes for the procedures they will do, and asked for the OON coverage info. The agent told me it was a 20% coinsurance on the allowed amount, so I asked what is the allowed amount, and then they told me that they simply couldn’t tell me that, I’d have to submit the claim first.

wtf? So I’m supposed to just blindly go into it and hope they don’t do the same ridiculous BS and say the allowed amount is $40 for a $125 session? Why wouldn’t they be able to tell me the number? Do they just make it up as they go along?

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