The opinion of the court was delivered by R.S. COHEN, J.A.D.
Rita Ryan was insured under the State Health Benefits Plan (SHBP). She was in an accident on January 8, 1989, while driving her car the insurance on which had expired some months earlier. Ryan's husband was killed, and she suffered serious injuries. Her medical bills exceed $80,000. The administrators of SHBP denied payment on the ground that the
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