The maximum amount BCBSKS will pay for a covered service. You may have seen the phrase, "The actual charge may be different from the allowable charge." This means BCBSKS may only cover a portion of what a doctor charges a member. For example, a doctor bills $40 for an office visit. This is the actual charge. But BCBSKS may only allow $35 for an office visit. This is the allowable charge.