An accident and health insurance policy that requires an insured to select a primary care physician to receive optimum coverage:

1. (1) shall permit an insured to select a participating provider who:

   1. (a) is an:

      1. (i) obstetrician;
      2. (ii) gynecologist; or
      3. (iii) pediatrician; and
   2. (b) is qualified and willing to provide primary care services, as defined by the health care plan, as the insured's provider from whom primary care services are received;
2. (2) shall clearly state in literature explaining the policy the option available to insureds under Subsection (1); and
3. (3) may not impose a higher premium, higher copayment requirement, or any other additional expense on an insured because the insured selected a primary care physician in accordance with Subsection (1).