(a) This chapter does not apply to:
(1) the employment of counsel by an organization to represent its members free of direct financial charge to those members; or
(2) legal services made available incidental to a contract of insurance in which the insurer has contracted to pay all or a substantial part of a judgment, if any, and the legal services are free of direct financial charge to the insured.
(b) A law pertaining to legal service contracts under Chapter 953 or insurance does not apply to a program under this chapter.