What action does an assignment of benefits clause in a health policy typically facilitate?

An assignment of benefits clause in a health policy primarily facilitates the transfer of payments directly to a healthcare provider or a designated third party rather than to the policyowner. This is particularly useful in situations where the patient may not be able to handle the payment process directly, such as when receiving medical treatments or services. By agreeing to this clause, the policyowner allows the insurance company to make direct payments to providers for services rendered, thus streamlining the process of receiving care and ensuring that providers receive their payments promptly.

The other options reflect scenarios that do not typically align with what an assignment of benefits clause accomplishes. Increasing the coverage amount, delaying premium payments, or granting additional services goes beyond the basic function of assigning benefits and pertains to different aspects of health insurance policies.