Oklahoma Statutes

Okla. Stat. tit. 36, § 3651 (2026)

“Actual charge” and “actual fee” defined - Application

✓ current as of July 2026

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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”. Added by Laws 2006, c. 164, § 1, eff. Nov. 1, 2006.

Notes of Decisions

Cited in 2 cases, 2010–2011 · leading case: Lindley v. Life Investors Ins., 267 F.R.D. 382 (N.D. Okla. 2010).

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Lindley v. Life Investors Ins., 267 F.R.D. 382 (N.D. Okla. 2010). “” Okla. Stat. tit. 36, § 3651 . None of the subject cases addresses the impact of § 3651.”

Stangl v. Occidental Life Ins. Co. of Nc, 804 F. Supp. 2d 1224 (W.D. Okla. 2011). · cites it 5× “Defendants Occidental and Philadelphia American assert that they are entitled to summary judgment on Plaintiffs damages claims to the extent they relate to Philadelphia American’s interpretation of “actual charges” and “actual expenses” subsequent to the effectiveness of Okla.…”

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