Under any accident and health insurance policy, hereafter renewed or issued for delivery from out of Oklahoma or in Oklahoma by any insurer and covering an Oklahoma risk, the services and procedures may be performed by any practitioner selected by the insured if the services and procedures fall within the licensed scope of practice of the practitioner providing the same. An accident and health insurance policy may exclude or limit coverage for a particular illness, disease, injury or condition except if such exclusion or limitation has the effect of discriminating against a particular class of practitioner. However, such services and procedures, in order to be a covered medical expense, must be medically necessary, be of proven efficacy, and fall within the licensed scope of practice of the practitioner providing same.