MEMORANDUM
JOSEPH H. YOUNG, Senior District Judge.
Richard Cartwright was a member of the Freight Drivers and Helpers Local 557 Health and Welfare Fund ("the Fund"), and Shirley Cartwright was entitled to coverage as his spouse. Mrs. Cartwright was also covered by CareFirst, a health maintenance organization ("HMO"), owned and operated by HealthCare Corporation of the Mid-Atlantic, Inc.
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