The bill modifies the payment of benefits for certain healthcare providers under health benefit plans in Arkansas. It introduces a new provision that mandates insurers to pay claims for indemnities related to hospital, nursing, medical, or surgical services directly to the healthcare provider for out-of-network claims. This requirement is included in multiple sections of the Arkansas Code, specifically in 23-85-114, 23-86-104, and 23-86-112, ensuring that healthcare providers receive payment directly for services rendered, rather than going through the insured or their estate.

Additionally, the bill makes several amendments to existing language, such as changing "Payment of claims" to "Payment-of-claims" and clarifying that insurers are not required to pay benefits to a specific hospital or person. It also specifies that if the insured is a minor or mentally incompetent, benefits may be paid to a parent or guardian. Overall, the bill aims to streamline the payment process for healthcare services and ensure that providers are compensated directly for their services, particularly in out-of-network situations.