CUMMINGS, Circuit Judge.
In February 1991 Maryann Vershaw and her husband Thomas filed an amended complaint against Northwestern National Life Insurance Company, which had issued a group health and accident policy to Mrs. Vershaw's employer, the National Corporation for Housing Partnerships. This policy, dubbed "the Plan" in the amended complaint, provided medical coverage for the corporation's employees and their dependents.
According to this pleading, Northwestern...
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