(a) An insurer offering a preferred provider benefit plan that covers a service that is within the scope of a chiropractor’s license may not refuse to provide reimbursement for the performance of the covered service solely because the service is provided by a chiropractor.
(b) This section does not require an insurer to cover a particular medical or health care service.

(c) This section does not affect the right of an insurer to determine whether a medical or health care service is medically necessary.
(d) An insurer that violates this section is subject to an administrative penalty as provided by Chapter 84 of not more than $1,000 for each claim that remains unpaid in violation of this section. Each day a violation continues constitutes a separate violation.