Florida Statutes Title XXXVII. Insurance § 627.614. Payment of claims

(a) “If benefits are payable to the insured's estate or a beneficiary who cannot execute a valid release, the insurer can pay benefits up to $3,000 to someone related to the insured or beneficiary by blood or marriage whom the insurer considers to be entitled to the benefits.  The insurer will be discharged to the extent of any such payment made in good faith.”

(b) “The insurer may pay all or a portion of any indemnities provided for health care services to the provider, unless the insured directs otherwise in writing by the time proofs of loss are filed.  The insurer cannot require that the services be rendered by a particular provider.”