An insured may direct the payment of benefits among the different elements of loss, if the direction is provided in writing to the reparation obligor. A reparation obligor shall honor the written direction of benefits provided by an insured on a prospective basis. The insured may also explicitly direct the payment of benefits for related medical expenses already paid arising from a covered loss to reimburse:
(1) A health benefit plan as defined by KRS 304.17A-005(22);
(2) A limited health service benefit plan as defined by KRS 304.17C-010;
(3) Medicaid;
(4) Medicare; or (5) A Medicare supplement provider.