Oklahoma Surprise Billing Protection Act: An Act relating to insurance; creating the Oklahoma Surprise Billing Protection Act; defining terms; authorizing the Attorney General to bring civil action in certain cases; providing for reimbursement to a nonparticipating provider for emergency care; prohibiting prior authorization requirement; authorizing certain notice requirement; providing for payment time limits; providing for reimbursement for certain nonemergency care; requiring out-of-network service written disclosures; providing exception for surprise billing for nonemergency care; providing for payment time limits; requiring health carrier to establish a notification mechanism; providing for contractual provision; prohibiting collection of money from covered person; requiring health facility to post certain information; requiring disclosures in written communications; providing for notice by nonparticipating provider; prohibiting inducement; providing for persons who may request a mediation process; providing for a mediation process for dispute of medical necessity; requiring participation in mediation; requiring written notice; providing for multiple claims in mediation; providing for codification; and providing an effective date.