(1) Monthly premium payments will be made:

(a) to an insurer that has contracted with the department;

(b) directly to clients if:

(i) their monthly premium is deducted from their Social Security check;

(ii) they enroll in a PDP provided by an insurer that does not contract with the department; or

(iii) the client chooses to be paid directly.

(2) Direct monthly premium payments to enrollees will be made:

(a) through direct deposit; or

(b) by check only in the following circumstances:

(i) if there is no bank account; or

(ii) the enrollee has a permanent exemption with Social Security and still receiving Social Security benefits by check or by Direct Express debit card.