MEMORANDUM RULING
HICKS, District Judge.
This matter is before the Court for trial on the stipulated record. Plaintiff Patrick D. Carter ("Carter") was employed by Defendant ENSCO International, Inc. ("ESCO"). ENSCO provided Carter with medical insurance coverage through a benefit plan administered by Defendant North American Benefits Network, Inc. ("North American"). [Doc. No. 30 (Joint Stipulation) at No. 5]. The Plan is attached as Exhibit 2 to Record...
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