What Does Actual Charge Mean?
An actual charge is an amount of money charged by a healthcare provider for a particular service or treatment.
Insuranceopedia Explains Actual Charge
Actual charges are different than allowable charges. If the actual charges exceed the allowable charges, the policyholder will have to pay for the excess out of pocket. In some circumstances, the costs that exceed the allowable charges can be quite substantial. This is especially the case with cosmetic or elective surgeries, which could have a very high cost but limited or no coverage.