DAVID A. NELSON, Circuit Judge.
Appellant Pan American Life Insurance Company provided hospitalization coverage to a man named Horace Thomas, a retired postal worker whose wife was employed as a bank manager. The Pan Am policy was issued to the Mississippi Bankers' Association, an employer group of which the bank where Mr. Thomas' wife worked was a member.
Appellee Memphis Hospital Service & Surgical Association, doing business as Blue Cross/Blue Shield...
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