Can Someone Explain What I Am Not Understanding About This Claim?

As the title suggests, I am having some difficulty understanding what needs to happen in this claim and my health insurer and the doctor's office are not being helpful.

Here is the scenario:

While on vacation, my youngest son was sick and we took him to an Urgent Care provider. Because our health insurance card was from out of state (although it is Blue Cross Blue Shield) the doctor's office required us to pay their full fee up front, which was $367.00. I paid that amount.

The doctor's office then filed a claim with my insurance company. The claim was finalized and the "allo
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