(a) Except as reimbursement for the cost of services that otherwise would have been provided by the insurer, an insurer may not pay to any individual, firm, corporation, or group entity a fee or allowance for services related to:
(1) a group accident and health insurance policy; or
(2) a blanket accident and health insurance policy.
(b) Subsection (a) does not limit an insurer's right to:
(1) pay dividends;
(2) return a premium to a group or a combination of groups;
(3) provide for a rate stabilization fund with combinations of groups; or
(4) pay compensation, including a commission, to a licensed agent.