(1) The insurer may request a second opinion from a qualified provider as to whether the following services or procedures are reasonable, necessary, or well-advised:

(a) pain clinics;

(b) nonemergency surgery; or

(c) psychological counseling.

(2) Nothing in this rule affects the right of an insurer to obtain an independent medical examination as provided by the workers' compensation and occupational disease acts.

(3) For the purpose of this rule, a qualified provider is one who is board-certified or board-eligible in a specialty that is reasonably related to the service or procedure for which the second opinion is sought.