Jennifer Ellerhoff is the spouse of an E-5 ADSM stationed in Southeast Asia. She is enrolled in a family policy with TRICARE Select. On January 12, Jennifer has a medical encounter in a civilian outpatient clinic. The provider (a nonPAR) charged $240. This is the first medical encounter of the year for Jennifer and her two children. The TRICARE allowable charge (TMAC) for this procedure is $212. After the EOB is received, the clinic sends Jennifer a statement for $212. She calls and asks you why she has to pay this charge. How would you explain the reason why she owes this amount?