ALFORD, Judge.
On January 16, 1985, the health and accident policy issued by defendant, Guarantee Trust Life Insurance Company, "Guarantee", to plaintiff, Cathy F. Nickels, became effective. The insurance was offered to plaintiff by The Toledano Agency, Inc. because of her status as an L.S.U. student. Prior to the effective date of coverage, plaintiff had received treatment from Dr. Evelyn Hayes, an obstetrician-gynecologist, for dysmenorrhea. Dr. Hayes had treated...
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