BRACHTENBACH, J.
At issue in these consolidated cases is whether public policy is violated by health care service contract provisions which exclude coverage to the extent that benefits are available to the patient through underinsured motorist (UIM) coverage. The Court of Appeals upheld the contract provisions. We reverse.
The facts of each case follow.
BROWN
On August 21, 1988, Ray Brown was riding a bicycle and suffered serious injuries...
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