Requiring any health benefit plan offered by the Maryland Health Insurance Plan that includes specialty care services to allow a member to use an out-of-network specialist if there is no in-network specialist within 25 miles of the member's residence; prohibiting the health benefit plan from imposing on the member a higher copayment or coinsurance requirement than the copayment or coinsurance requirement imposed for the same service if provided by an in-network specialist; and applying the Act.