Okla. Stat. tit. 36, § 36-3651: “Actual charge” and “actual fee” defined - Application

A. As used in an individual or group specified disease

insurance policy, “actual charge” or “actual fee” means the amount

actually paid by or on behalf of the insured and accepted by a

provider for services provided. Insurance policies that use these

terms must use them as defined in this section.

B. Except as provided by subsection C of this section, the

change in law made by this section applies only to insurance

policies delivered, issued for delivery, or renewed on or after the

effective date of this act. An insurance policy delivered, issued

for delivery, or renewed before the effective date of this act is

governed by the law in effect immediately before that date, and that

law is continued in effect for that purpose.

C. This section applies to an insurance policy in effect on the

effective date of this act only if the policy does not define

“actual charge” or “actual fee”.