¶ Robert and Edith Rulfs are insured against health-related expenses by defendant Blue Cross of Northeastern New York, Inc. (Blue Cross). The basic contract excludes convalescent or custodial care, but a major medical expense rider provides that: "Benefits for care in a Nursing Home shall be provided only in such instances as Blue Cross and Blue Shield shall determine requires skilled nursing care on a continuing basis and a physician has certified such requirement has...
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