prohibits any health benefit plan, HMO, PPO, or other provider network from refusing coverage to an insured for durable medical equipment and supplies as prescribed by a health care provider, regardless of whether they are in-network or out-of-network, unless there is an Oklahoma-licensed in-network provider within a fifty-mile radius of the patient’s five-digit ZIP code that can provide an in-person evaluation for the prescribed medical equipment or supplies. When covered medical equipment or supplies are not available in network, the covering entity shall reimburse an out-of-network provider at the same rate and benefit level for the provided equipment or supplies as an in-network provider.